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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.
Throughout final 12 months’s Division of Justice’s antitrust case towards Google, the place the federal government tried to show that the search engine large used licensing offers and different contracts to lock out rivals to monopolise the market, an Apple govt stated that the corporate thought of shopping for Bing – Microsoft’s search engine however the deal didn’t get by. Google has now offered a distinct angle saying that Microsoft needed to promote Bing to Apple but it surely rejected the supply.Based on a court docket submitting earlier this month, which was unsealed on Friday (February 23), Google stated that Microsoft provided to promote its Bing search engine to Apple in 2018.Google additionally argued that Microsoft pitched Apple in 2009, 2013, 2015, 2016, 2018 and 2020 about making Bing the default in Apple’s Safari net browser, however every time, Apple stated no, citing high quality points with Bing.“In each instance, Apple took a hard look at the relative quality of Bing versus Google and concluded that Google was the superior default choice for its Safari users. That is competition,” Google wrote within the submitting, as per a report by CNBC.Why that is importantThe revelation comes as a number of firms, together with Microsoft, alleged that Google has a monopoly within the search enterprise because it reduce offers with the businesses to make Google Search as default search engine on their gadgets. Google is making an attempt to show that it competes pretty within the search enterprise.Through the listening to in October final 12 months, it was revealed that in 2021, Google spent greater than $26 billion to maintain its search engine the default on iPhones. Google additionally stated that Microsoft reached out to Apple in 2018, pitching positive factors in Bing’s high quality, and provided to both promote Bing to Apple or set up a Bing-related three way partnership with the corporate.What Apple saidGoogle additionally famous that Apple rejected Microsoft’s supply citing under-par search high quality. “Microsoft search quality, their investment in search, everything was not significant at all,” stated Eddy Cue, Apple’s senior vice chairman of providers, in response to the submitting. “And so everything was lower. So the search quality itself wasn’t as good. They weren’t investing at any level comparable to Google or to what Microsoft could invest in. And their advertising organisation and how they monetise was not very good either,” Cue stated.In the meantime, Apple’s head of machine studying John Giannandrea, who labored on Search at Google, stated that if Apple “entered into a joint venture with Bing, it would have implications for the Google relationship.” Giannandrea additionally stated he believed Apple CEO Tim Prepare dinner instructed Microsoft the deal wasn’t going ahead.
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