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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.
Inventory market at the moment – shares to look at: BSE Sensex and Nifty50, the benchmark indices, skilled volatility in Monday’s buying and selling session as buyers adopted a cautious stance forward of the US Fed’s rate of interest choice. Key developments are anticipated to affect shares of L&T Finance, AB Solar Life, TCS, Tata Metal, and P&G India at the moment.L&T Finance:The Board of L&T Finance Holdings has authorized elevating Rs 1.01 lakh crore by way of the issuance of non-convertible debentures in a number of tranches.AB Solar Life:Promoters of AB Solar Life have proposed to promote as much as 11.47% stake within the firm by way of a suggestion on the market, scheduled to open on March 19.P&G India:P&G India has introduced the appointment of Kumar Venkatasubramanian as CEO, efficient from Might 1, 2024. The present CEO, L V Vaidyanathan, shall be stepping down from his place to pursue private pursuits.Tata Metal:Tata Metal has introduced the cessation of operations of the coke ovens at its Port Talbot plant within the UK. To counter the affect of those closures, the corporate plans to extend the import of coke.Sonata Software program:Sonata Software program has entered right into a joint Go-to-Market settlement with Zones LLC, a world supplier of complete IT options and cloud managed providers.Veritas (India):Veritas (India), together with Genesys Worldwide Corp, has been awarded a letter of acceptance from the Brihanmumbai Municipal Company (BMC) value Rs 156 crore. The contract entails the event, implementation, and upkeep of a 3D metropolis mannequin and alter detection utilizing geospatial know-how.TCS:Tata Sons, the holding firm of India’s main software program providers exporter, is providing to promote 2.34 crore shares of TCS in block offers valued at roughly Rs 9,300 crore, with a ground worth set at Rs 4,001 per share.(Record compiled by ET)
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