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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

NEW DELHI: Fairness benchmark indices Sensex and Nifty settles at document excessive closing ranges throughout particular buying and selling session on Saturday. Nifty closed up 0.18% at 22,378.40, whereas Sensex climbed 0.08% to 73,806.15. Each the indices began the second a part of the particular buying and selling session on a optimistic observe.BSE and NSE are conducting the particular buying and selling session to evaluate their preparations in dealing with main disruptions or failures on the main website.The Nationwide Inventory Alternate (NSE) and Bombay Inventory Alternate (BSE) have been beneath scrutiny by the markets regulator after a serious buying and selling outage in February 2021. The outage occurred as a result of a telecoms glitch, inflicting the exchanges to fail in migrating to the catastrophe restoration website.The primary a part of the buying and selling session passed off from 9:15 am to 10 am, and the second half from 11:30 am to 12:30 pm on the DR website.In separate circulars, the BSE and NSE introduced, “Trading members are requested to note that the exchange will conduct a special live trading session with intraday switch over from Primary Site (PR) to Disaster Recovery Site (DR) on Saturday, March 2, in equity and equity derivatives segments.”Main gainers in Sensex consists of Tata Metal, Tata Motors, Asian Paints, ITC, Wipro, and Larsen & Toubro. Mahindra & Mahindra, NTPC, Kotak Mahindra Financial institution, and UltraTech Cement are among the many laggards.

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