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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: Rishikesh — which had emerged as probably the most wanted and priciest tariff locations throughout Covid — is all set to get an ITC property, Storii Rishikesh, within the subsequent two years. The holy city and close by foothills have gotten a major variety of prime luxurious motels. Aside from being a pilgrimage, Rishikesh can also be the gateway to Garhwal and therefore a serious magnet for guests.ITC’s Lodge group has 9 4 throughout its varied manufacturers in Uttarakhand. Talking concerning the upcoming 55-room riverfront property signing, ITC Lodges chief government Anil Chadha mentioned: “Storii by ITC Lodges is increasing its presence pan India. With model Welcomhotel, Fortune and Welcomheritage already entrenched on this nice land, we’re trying ahead to launch Storii Rishikesh in Uttarakhand. Given the elevated give attention to wellness and immersive visitor experiences, this vacation spot has emerged as a favorite amongst travellers, each home and worldwide. From journey sports activities, moments of calm, to internet hosting intimate gatherings, Storii Rishikesh will cater to assorted necessities.”Piyush Aggarwal, Director, Alokik Ganga Pvt. Ltd. mentioned, “In the last few years, Rishikesh has seen a notable surge in its appeal as a favoured leisure destination. Our association with ITC Hotels is an exciting addition to contribute to its continued growth and popularity. We are confident that ITC Hotels’ expertise in delivering exceptional service, culinary excellence, and unparalleled hospitality will make Storii Rishikesh a highly sought-after getaway in times to come.”

#Rishikesh #ITC #lodge #India #Information

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