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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.
Fairness buying and selling volumes in India have fallen to the bottom degree since December because the selloff in shares of smaller firms slows the frenzy of retail buyers into the nation’s $4.3 trillion market, whilst establishments snap up giant offers.The every day money buying and selling quantity has shrunk to $10 billion from a report $19 billion in early February, with current classes account for the majority of the decline, knowledge compiled by Bloomberg present.Warnings from India’s securities regulator that small caps are overheating has sparked a pullback in native shares, with the gauge of such companies tumbling greater than 6% this month. Particular person buyers, who sometimes drive money volumes, are seemingly maintain off on recent purchases till the market stabilizes, holding buying and selling exercise subdued.“Retail investors were caught on the wrong side” they usually have a tendency to remain on the sidelines till a transparent pattern emerges, mentioned Ashish Kyal, founding father of Waves Technique Advisors Pvt.Regardless of the broader market downturn, urge for food for big offers stays sturdy amongst establishments. Block trades have topped $7 billion this yr, set for his or her finest quarter in 14 years, the info present.
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