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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.
Samsung not too long ago expanded its mid-range A-series with two new smartphones — Galaxy A55 and A35. The dearer Samsung Galaxy A55 begins at Rs 39,999 and is the primary mid-range Smartphone from Samsung to return with 12GB RAM. Nonetheless, the 12GB RAM variant is priced at Rs 45,999. The smartphone encompasses a Full HD+ show, an Exynos chipset, a 50MP digital camera and helps 25W charging.Samsung Galaxy A55 is about to be obtainable in India quickly. However, Chinese language smartphone maker Vivo launched its newest V30 collection which additionally contains two smartphones — the Vivo V30 and the V30 Professional. The upper-priced V30 Professional begins at Rs 41,999 and in addition is available in a 12GB choice that’s priced at Rs 45,999. This smartphone is already obtainable on the market and sports activities a curved AMOLED show, a lot better digital camera capabilities and 80W quick charging. Right here’s how the 2 mid-range smartphones evaluate:FeatureSamsung Galaxy A55 5GVivo V30 ProDisplay6.6-inch FHD+ (1080×2340), 120Hz, Corning Gorilla Glass Victus+6.78-inch AMOLED (1260×2800), 120Hz, As much as 2800 nitsProcessorExynos 1480MediaTek Dimensity 8200RAMUp to 12GBUp to 12GBStorage128GB or 256GB (Expandable as much as 1TB)256GB or 512GBOperating SystemAndroid 14 with One UI 6.1Android 14 with FuntouchOS 14Rear Camera50MP foremost, 12MP ultrawide, 5MP macro50MP foremost, 50MP ultrawide, 50MP telephotoFront Camera32MP50MPBattery5000mAh with 25W quick charging5000mAh with 80W quick chargingWater ResistanceIP67Dust and splash resistant coatingStarting Worth (India)Rs 39,999Rs 41,999Vivo V30 Professional has a bigger AMOLED show with larger peak brightness and has a extra highly effective processor. The Vivo telephone additionally gives the next base storage choice (256GB) and comes with a telephoto lens. Vivo V30 Professional additionally gives quicker 80W charging than the Samsung Galaxy A55’s 25W charging.
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