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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.
SINGAPORE: Oil costs rose in Tuesday commerce as geopolitical tensions within the Center East continued to spur concern, however good points had been restricted on bearish demand sentiments and because the market waited for month-to-month studies from oil businesses. Brent futures for Could supply was up 26 cents, or 0.3%, to $82.47 a barrel by 0408 GMT. The US crude April contract rose 17 cents, or 0.2%, to $78.10 a barrel. Whereas the warfare between Israel and Palestinian group Hamas has not led to vital oil provide disruptions, Yemen’s Iran-aligned Houthis have been attacking ships within the Pink Sea and Gulf of Aden since November in what they are saying is a marketing campaign of solidarity with Palestinians. Airstrikes attributed to a US-British coalition hit port cities and small cities in western Yemen on Monday, whereas the Houthis mentioned on Tuesday they’d focused what was described because the “US ship Pinocchio” within the Pink Sea with missiles. Capping good points nonetheless are the outlooks for weaker demand and rising provide from producers outdoors of the Group of Petroleum Exporting Nations (Opec). “Bearish demand sentiments and growing non-Opec supply leave little room for the market to be bullish on oil prices at this time,” mentioned Serena Huang, head of APAC evaluation at Vortexa. The Worldwide Power Company (IEA) expects oil provide to develop to a document excessive of about 103.8 million bpd, virtually completely pushed by producers outdoors Opec and its allies (Opec+), together with the USA, Brazil and Guyana. In the meantime, China’s crude oil imports rose within the first two months of the 12 months versus the identical interval in 2023, however they had been weaker than the previous months, persevering with a development of softening purchases by the world’s largest purchaser. Within the meantime, the market is awaiting demand estimates from month-to-month studies by Opec, the IEA and the Power Data Administration, analysts from ANZ mentioned in a observe. “While we believe the estimates will be largely unchanged, any upside surprise will ease demand concerns.”
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