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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.
Shivratri 2024 financial institution vacation: Because the nation gears as much as have a good time Mahashivratri on March 8, a number of states will expertise an prolonged weekend as banks stay closed. The choice to shut banks throughout this time is in accordance with directives from state governments and the Reserve Financial institution of India (RBI).In line with the central financial institution’s vacation record, March will see banks closed for a complete of 14 days in numerous states.Additionally, some states can have three consecutive days of financial institution holidays twice, creating two lengthy weekends.These closures embody Sundays, the second and fourth Saturdays, public holidays, and particular regional holidays. To assist people plan their visits to banks successfully, this is an in depth record of financial institution holidays for March 2024:ALSO READ | Financial institution holidays 2024: Full record of nationwide and state-wise banking holidays hereMarch 2024 financial institution holidaysChapchar KutShivratriBihar DiwasHoli (Second Day) – Dhuleti/Dol Jatra/DhulandiYaosang 2nd Day/HoliGood FridayMahashivratri financial institution holidayOn March 8, banks in sure states will likely be closed for Mahashivratri. This will likely be adopted by the second Saturday and Sunday.States observing lengthy weekend financial institution closures on Shivratri, March 8:GujaratMaharashtraKarnatakaMadhya PradeshOrissaChandigarhUttarakhandAndhra PradeshTelanganaJammu-SrinagarKeralaUttar PradeshChhattisgarhJharkhandHimachal PradeshALSO READ | March 2024 financial institution holidays: Banks closed for 14 days nationwide; test state-wise vacation record hereOther financial institution holidays in MarchMarch 26: Banks closed in Orissa, Manipur, and Bihar.March 27: Banks closed in Bihar.March 29: Banks closed in all states besides Tripura, Assam, Rajasthan, Himachal Pradesh, Jammu, and Srinagar.
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