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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.
Fashionable synthetic intelligence-based chatbot ChatGPT maker OpenAI is reportedly testing a brand new characteristic for Android customers. In line with a put up shared by Android professional Mishaal Rahman on micro-blogging web site X (beforehand Twitter), the Microsoft-backed AI startup is testing a ChatGPT widget for Android residence display with a handful of customers. The put up additionally claims that the characteristic is at the moment in beta testing and could be discovered on the ChatGPT for Android app model 1.2024.052.We at TOI, appeared for the replace in Google Play Retailer however couldn’t discover this model of the app.This implies that the characteristic just isn’t accessible for all customers, besides a number of beta testers. ChatGPT widget for Android residence screens: The way it might workAs per the Threads put up, the ChatGPT widget on Android will supply faster entry to OpenAI’s chatbot’s dialog and question modes.Customers, for whom this characteristic is obtainable can attempt it out on their units. To entry the characteristic, faucet and maintain a clean spot in your Android cellphone’s residence display to carry up the widget menu. From right here, choose the ChatGPT widget (when accessible) so as to add it to the house display of the Android system.The X put up additionally mentions that the widget may even supply customers shortcuts to ship a textual content, picture or voice question and even begin the dialog mode.How ChatGPT widget on Android might assist OpenAIThis characteristic is predicted to supply Android customers extra comfort as ChatGPT faces cut-throat competitors from its rival Google Gemini. Google has already began rolling out an app for its personal AI chatbot. The corporate may exchange the Google Assistant on Android units with Gemini.Earlier this month, the Sam Altman-led firm showcased a brand new software that may immediately make brief movies in response to written instructions. This new text-to-video generator from OpenAI is called Sora and is predicted to be accessible for all customers within the coming days. It is necessary to notice that Google and Meta have already demonstrated related know-how prior to now, but, movies generated by OpenAI’s mannequin appeared to supply upgraded high quality.
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