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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.
NEW DELHI: Fairness benchmark indices opened flat within the early morning commerce, on Monday.Nifty 50, which which hit report highs in every of the 5 periods final week, fell by 0.20% to 22,169.20, whereas the BSE Sensex dropped by 0.13% to 73,044.81 at 09:15 am.Earlier, Nifty was buying and selling at 22,222.50 at 8:03 am, indicating a marginal opening above Friday’s shut of twenty-two,212.70 on the NSE Nifty 50.BSE Sensex and Nifty50 edged decrease in closing commerce on Friday. Whereas Sensex fell 15.44 factors, or 0.02 per cent to shut at 73,142.80 factors with 17 of its constituents closing within the pink and 13 within the inexperienced, Nifty50 closed decrease by 4.75 factors or 0.02 per cent.The index opened on a constructive word however later confronted a decline as a consequence of buyers reserving earnings. The index fluctuated between a excessive of 73,413.93 and a low of 73,022.Within the meantime, the 50-share index reached a brand new all-time excessive of twenty-two,297.50 in intra-day commerce.Within the world entrance, following the rise of Wall Avenue and the record-breaking efficiency of Japan’s Nikkei index, Tokyo shares opened larger. The Nikkei 225 index rose by 0.68 p.c, or 265.38 factors, to 39,364.06, whereas the broader Topix index elevated by 0.61 p.c, or 16.24 factors, to 2,676.95.(With enter from businesses)
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