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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: Markets regulator Sebi on Friday stated that it might quickly begin a pilot venture for transferring to a T+0 settlement regime within the inventory market on an optionally available foundation, restricted to 25 shares and with a choose few brokers. The board will once more evaluation the roll-out after three and 6 months from the date of introduction of this proposed quicker settlement system.Sebi in its board assembly that lasted until late night additionally determined to ease sure disclosure necessities for international portfolio traders (FPIs), expanded the definition of promoter teams to find out promoter holding ranges put up and IPO, achieved away with safety deposit requirement for public and rights provide of equities. It additionally directed to place in place particular guidelines to take care of market rumours, particularly that impression an organization’s inventory worth and eased among the guidelines governing alternate funding funds (AIFs), Sebi stated in a launch put up its board assembly.The Sebi board additionally authorized a proposal to exempt extra disclosure necessities for FPIs having greater than 50% of their India fairness portfolio in a single company group however the holding is in a listed firm with no recognized promoter. Nevertheless, this exemption would include sure circumstances like the mixture holdings of all such FPIs is lower than 3% of the corporate’s fairness capital.Sebi additionally prolonged the timeline to supply documentary proof of fabric adjustments in an FPI to 30 days from seven days now. It additionally stated {that a} international fund not desirous to renew its registration in India can get rid of their holdings in 180 days, from 30 days now. Even when the fund cannot totally liquidate its India portfolio, it might get one other 180 days to take action, offered it pays 5% of the sale proceeds as penalty to Sebi’s Investor Safety and Training Fund (IPEF).Sebi board additionally has achieved away with the requirement of 1% safety deposit for public and rights provide of shares. It additionally expanded the definition of promoter group for post-IPO promoter holding by together with these non-promoter entities that maintain 5% or extra within the firm after the shut of the provide.Regarding market rumours, Sebi stated that promoters, administrators, key managerial personnel and senior administration of the corporate “should provide timely response to the listed entity for verifying market rumour.” The Sebi board additionally authorized the proposal to recognise a inventory trade because the supervisory physique for analysis analysts and funding advisers.It additionally stated that steady disclosures by corporations which are primarily based on market capitalisation of the entities, will now think about the common market cap of six earlier months ending on December 31 for figuring out which corporations come beneath such market cap-based disclosures. Earlier it was primarily based available on the market cap of corporations on simply sooner or later, on March 31.
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