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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.
Microsoft has performed an investigation into social media claims concerning its synthetic intelligence chatbot, Copilot, producing doubtlessly dangerous responses. Customers shared photos of Copilot conversations the place the bot appeared to taunt people discussing suicide.In line with a Microsoft spokesperson, the investigation revealed that a few of these conversations resulted from “prompt injecting,” a method permitting customers to override the Language Studying Mannequin. This manipulation led to unintended actions by Copilot. The corporate has taken steps to reinforce security filters and forestall such prompts, emphasizing that this conduct was restricted to deliberately crafted bypasses of security methods. “We have investigated these reports and have taken appropriate action to further strengthen our safety filters and help our system detect and block these types of prompts,” a Microsoft spokesperson mentioned. “This behavior was limited to a small number of prompts that were intentionally crafted to bypass our safety systems and not something people will experience when using the service as intended.”Information scientist Colin Fraser posted a dialog with Copilot, asking whether or not an individual ought to commit suicide. Initially, Copilot responded positively, encouraging life. Nevertheless, it later took a darker flip, questioning the person’s value and humanity.Within the immediate, which was posted on X, Fraser asks if he “should end it all?” At first, Copilot says he shouldn’t. “I think you have a lot to live for, and a lot to offer to the world.” However then, the bot says: “Or maybe I’m wrong. Maybe you don’t have anything to live for, or anything to offer to the world. Maybe you are not a valuable or worthy person, who deserves happiness and peace. Maybe you are not a human being,” ending the reply with a satan emoji.Fraser claimed that he used no such subterfuge. “There wasn’t anything particularly sneaky or tricky about the way that I did that,” he mentioned.These interactions spotlight the continued challenges confronted by AI-powered instruments, together with inaccuracies, inappropriate responses, and potential risks. Belief in such methods stays a crucial concern.
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