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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey
In 2020, I was saving ₹5,000/month with no real strategy. I stumbled into SIPs by chance. Today, that same habit has grown into ₹6,12,000 — and taught me 3 major lessons about compounding, patience, and mistakes I wish I avoided earlier.
📉 What Went Wrong in Year 1
In my first year, I panicked during a market dip and pulled out my SIP investments. That single move cost me potential gains and broke the compounding chain. I learned the hard way that reacting emotionally to market swings is a recipe for regret.
📈 Lesson Learned: Consistency Beats Timing
- Missed rallies by being out of the market
- Lost out on rupee cost averaging
- Peace of mind improved with automation and discipline
🔄 My Portfolio Before vs After
Before (2020)
- Random savings in bank account
- No real investment plan
- Low returns (2-3% p.a.)
After (2023)
- Disciplined SIPs in diverse mutual funds
- Portfolio value: ₹6,12,000
- Average returns: 13-15% p.a.
🧠 What I’d Do Differently If Starting Again
If I could start over, I’d set up my SIPs and forget about the daily market noise. I’d diversify a bit more, avoid panic-selling, and trust the process. Most importantly, I’d start even earlier — because time is your biggest ally in compounding.
ITC share value as we speak: Shares of India’s main cigarette producer, ITC, dropped by 2.5% to the touch a low of Rs 399.45 on the Bombay Inventory Alternate (BSE) on Tuesday. The drop comes amidst hypothesis that its largest shareholder, British American Tobacco (BAT), is gearing as much as promote shares price roughly $2-3 billion this week.In accordance with ET, BAT’s potential stake sale, pending regulatory approvals, has weighed on ITC shares.At the moment, BAT holds roughly 29% stake within the firm, which has seen its shares virtually double in worth over the previous three years.At 12:00 PM, the inventory was buying and selling 1.75% decrease at Rs 402.25 on the Bombay Inventory Alternate.Bloomberg reported that BAT has been in talks with Financial institution of America and Citigroup concerning a possible divestment of $2 billion to $3 billion by way of block trades. The transaction may happen as early as this week however would possibly prolong into the next week based mostly on market situations.BAT has confirmed as we speak that it’s contemplating promoting a small portion of its shares in ITC by way of an on-market block commerce.BAT said, “There can be no certainty that any such transaction will proceed, nor can there be any certainty as to the terms of any potential transaction. A further announcement will be made if and when appropriate.”ALSO READ | Pearls of knowledge! Warren Buffett’s annual letter has 5 key insights and methods for investorsBAT knowledgeable analysts in a latest name that their substantial shareholding in ITC presents a possibility to launch and reallocate capital. They’ve been actively engaged on finishing the mandatory regulatory processes to allow them to monetise a few of their shares in ITC.Lately, BAT has indicated that holding a 25% stake in ITC must be sufficient to take care of strategic affect, which incorporates having veto rights.BAT has encountered challenges resulting from lowering cigarette gross sales in its main markets, significantly within the US, the place it recorded a $32 billion write-down. Moreover, BAT’s internet debt stands at $40 billion, which is equal to three occasions its EBITDA and almost 60% of its market capitalisation.Final month, Jefferies downgraded ITC to a maintain score and lowered its goal value for the Nifty inventory from Rs 520 to Rs 430.Final month, funding agency Jefferies downgraded ITC to a maintain score and revised its goal value for the Nifty inventory from Rs 520 to Rs 430. Jefferies noticed that ITC has carried out effectively over the previous 2-3 years, with a major rebound in cigarette gross sales after COVID-19, leading to the next inventory score. Nonetheless, resulting from elements just like the upcoming BAT stake sale, two taxation occasions throughout the subsequent 12 months, and a slowdown in quantity development, they count on the inventory to take care of a steady buying and selling vary sooner or later.
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