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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.
MUMBAI: Reliance Capital’s lenders will obtain the proceeds from the corporate’s sale to the Hinduja group solely within the subsequent monetary yr. They’d earlier requested for the acquisition consideration to be paid in March to allow them to e-book revenues in the course of the present monetary yr.IndusInd Holdings, a Hinduja firm and the profitable bidder, has written to the administrator of Reliance Capital stating that implementing the decision plan for a corporation of Reliance Capital’s dimension and scale in lower than a month and 10 days (from the date of the NCLT order) is ‘not solely untenable and impractical, however unimaginable’.In a letter to the administrator, IndusInd Holdings director Moses Harding stated that the corporate stays dedicated to implementing the decision plan in accordance with the NCLT order dated Feb 27, 2024 and throughout the timelines.On Wednesday, the NCLT allowed an software looking for a correction relating to the 90-day interval for implementing the decision plan.
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