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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.
Rise of on-line astrology platforms: Younger professionals and startup founders in India are more and more in search of the steering of astrologers to navigate the challenges of their careers. With pay cuts, profession stagnation, and potential layoffs, these people are turning to on-line astrology platforms to realize perception into their future prospects. Some on-line astrology platforms advised ET that they’ve seen extra younger professionals and startup founders in search of consultations these days. They’re inquisitive about their future prospects, asking about issues like wage raises, job promotions, profession development, and even contemplating switching jobs. Startup founders are additionally all in favour of how their fundraising efforts will fare and the dynamics with their co-founders.One such astrology platform, GaneshaSpeaks, reported a 58% year-on-year progress in income final fiscal yr. Hemang Arunbhai Pandit, the founder, acknowledged lately, their astrology platform has skilled a tenfold surge in consultations sought by younger professionals and entrepreneurs, primarily aged between 23 and 35, in search of steering on profession and enterprise issues.ALSO READ | 20-30% larger salaries than business requirements! Why Paytm rivals are cautious of hiring expertise from troubled fintech firmPandit talked about that their reside chat enterprise with astrologers grew by 58% from FY20-21 to FY22-23 and by 70% from FY19-20 to FY22-23.Roughly one-third of consultations on platforms like Astrotalk and Astroyogi deal with subjects akin to efficiency evaluations, wage raises, and considerations about shedding their jobs.Astrotalk acquired $20 million in Collection A funding from New York-based enterprise capital agency Left Lane Capital, experiencing a big income improve from Rs 65 crore in FY21 to Rs 282 crore in FY23. Equally, internet revenue surged from Rs 11.2 crore to Rs 27 crore throughout the identical interval. Furthermore, its person base skyrocketed from 2.5 million in FY21 to 19 million in FY24.Puneet Gupta, the founding father of Astrotalk, famous a excessive quantity of queries relating to layoffs, wage will increase, potential job modifications, and related subjects.As demand surges and person bases increase, astrology and non secular tech platforms are experiencing exponential enterprise progress.Gupta of Astrotalk projected estimated income progress of Rs 630 crore and internet revenue progress of Rs 130 crore for FY24. Astrotalk plans to attain this by strategic acquisitions to increase into worldwide markets, set up new enterprise verticals, and recruit for key management positions.Astroyogi’s COO, Aditya Kapoor additionally reported a tenfold improve in person base in comparison with the pre-pandemic interval. In cities with excessive social media utilization, 60% of on-line astrology customers are from Gen Z, whereas non-Gen Z customers make up the remaining 40%.ALSO READ | Bother mounts for Byju’s founder & CEO! ED seeks look out round in opposition to Byju Raveendran, says reportExperts observe that younger folks from each metropolitan areas and small cities are in search of solutions amidst rising stress and uncertainty within the exterior enterprise atmosphere.Main cities akin to Delhi, Mumbai, Bengaluru, Lucknow, Jaipur, Chandigarh, and Ludhiana contribute considerably to the person site visitors on these platforms.Consultations are provided at various worth factors, starting from Rs 10 per minute to Rs 200 per minute, relying on the astrologer’s experience. Curiously, many of those astrologers will not be solely certified in astrology but additionally maintain backgrounds in fields like engineering and chartered accountancy.Whereas astrologers use the place of planets to foretell the profession paths of younger people and the destiny of entrepreneurs, describing their observe as a mix of arithmetic and statistics, some critics stay skeptical about its scientific basis.Avinash Patil, president of Maharashtra Andhashraddha Nirmoolan Samiti was quoted as saying, “The rising uncertainty, insecurity and anxiety all around are leading many from the younger generation to turn to astrology and spirituality for answers, but rational analysis says it has no scientific basis.”
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