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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

In an ultra-competitive market, it’s normal for manufacturers to make use of creativity in an effort to acquire a sure edge. Shopper electronics model boAt used the same type of creativity in its current commercial taking a sarcastic dig at its Cupertino-based competitor Apple. With out taking direct names, boAt advert used phrases like ‘i’, ‘pro-max’, and the social recognition related to Apple merchandise in its newest commercial. Furthermore, the corporate additionally added a sarcastic disclaimer to the advert which strengthened the trace, that they’re pointing in the direction of Apple.

“No Fruits have been harmed within the making of this movie. It is time to give an Indian model an opportunity to compete on the worldwide degree. Don’t be a fanboy, be a boAthead,” boAt stated in a disclaimer whereas posting its current commercial on X.

Here is how social media reactedThe video sparked a web based debate with some customers appreciating the creativity of boAt, whereas others calling it a brand new low within the detrimental advertising and marketing techniques. The customers on social media have been divided over the truth that boAt and Apple have very completely different units of consumers, making the commercial greater than a easy advertising and marketing gimmick.

Furthermore, the customers additionally raised technical issues with boAt merchandise and requested the corporate to first ship its merchandise on time earlier than taking up an enormous competitor like Apple.

“Begin your personal R&D dept after which compete with them White labeling companies all the time exit of enterprise,” one consumer stated.

An Apple fan named bhatnaturally appeared offended by the boAt advert and claimed that the inventive trade is stuffed with Apple fanboys. “Someplace a copywriter for boAt has gone house considering he has ‘socked it to Apple’ by writing ‘no fruits have been harmed in making this advert’. And commerce portals are reporting it as ‘photographs fired!’. Once more, I’m glad for boAt’s recognition and want them extra success. Such initiatives will make the model’s present and potential prospects (unlikely to be those that can afford and search Apple merchandise) pleased with their alternative. Additionally, mock all you’ll of the ‘Apple ecosystem’ however for those who’ve skilled it – the community throughout iPhone, Mac, iPad, Apple TV, and AirPods is desired. Competitors can’t merely be wished away. The irony is the inventive trade is stuffed with Apple fanboys,” the consumer stated in an extended social media publish.

A meme fest additionally started on X, the place the social media customers began focusing on Shark Aman Gupta-led boAt with memes associated to Shark Tank India.

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