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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: State-run gasoline retailers on Thursday introduced a discount of Rs 2 per litre within the costs of petrol and diesel from Friday, marking the primary lower in motor gasoline charges in virtually two years.The announcement comes barely a day or two earlier than the mannequin code of conduct is predicted to return into power with the announcement of the Lok Sabha polls.The discount follows current reductions within the costs of CNG (compressed pure fuel) and LPG, or liquefied pure fuel, provided as kitchen gasoline to households. “By reducing the prices of petrol and diesel by Rs 2, Prime Minister Narendra Modi has once again proved that the welfare and convenience of his family of crores of Indians is always his goal,” oil minister Hardeep Singh Puri stated on microblogging web site X.In a separate publish on X, the oil ministry stated the newest discount will “boost consumer spending and reduce operating costs for over 58 lakh heavy goods vehicles running on diesel, 6 crore cars and 27 crore two-wheelers”.Petrol and diesel costs have remained frozen since Might 22, 2022 when the Centre final decreased excise obligation. This was the second excise obligation discount in seven months, coming after the same transfer on November 4, 2021.The 2 reductions collectively had introduced down the excise obligation on petrol and diesel by a complete of Rs 13 and Rs 16 per litre, respectively. After the second obligation lower, the BJP-ruled states additionally applied matching cuts in VAT to melt the influence of oil costs surging above $100 per barrel after the Ukraine battle.Technically, gasoline retailers are free to determine the retail costs of petrol and diesel. However in observe, the federal government informally casts an extended shadow. The current fall in oil costs had turned petrol and diesel worthwhile for retailers however they have been ready for a sign.That’s how costs have been held regular because the final discount in Might 2022 though petrol and diesel had switched between changing into loss-making and worthwhile proposition for varied stretches of time in between.Decrease gasoline costs will result in “extra disposable revenue, enhance for tourism and journey industries, management over inflation, elevated client confidence and spending, decreased bills for companies depending on transportation, enhanced profitability for logistics, manufacturing, and retail sectors, the ministry stated including, it is going to additionally scale back outgo for farmers on tractor operations and pump units.Final week CNG costs have been decreased by Rs 2.50 per kg by metropolis fuel operators throughout the nation. This was adopted by the federal government extending subsidy for LPG provided beneath the Ujjwala scheme to poor households and lowering the worth of refills for normal class customers by Rs 100.
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