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How I Turned ā¹5,000/month into ā¹6 Lakhs ā My 3-Year SIP Journey
In 2020, I was saving ā¹5,000/month with no real strategy. I stumbled into SIPs by chance. Today, that same habit has grown into ā¹6,12,000 ā and taught me 3 major lessons about compounding, patience, and mistakes I wish I avoided earlier.
š 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.
š 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
š 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: ā¹6,12,000
- Average returns: 13-15% p.a.
š§ What Iād Do Differently If Starting Again
If I could start over, Iād set up my SIPs and forget about the daily market noise. Iād diversify a bit more, avoid panic-selling, and trust the process. Most importantly, Iād start even earlier ā because time is your biggest ally in compounding.
An in-depth analysis by cybersecurity researchers have discovered that 2023 noticed a rise within the variety of focused ransomware teams globally by 30% when in comparison with 2022. This surge, nonetheless, was a lot increased when it got here to victims as focused ransomware assaults spiked by 70% throughout the similar time interval. āTargeted ransomware groups are very persistent and have a huge appetite for extortion. For example, if a victim refuses to pay ransom, the cybercriminals often threaten to make the stolen data public. In some cases, these cybercriminals also filed GDPR or SEC complaints in certain regions against the victim organisations for breaking data protection laws,ā mentioned Maher Yamout, senior safety researcher at Kaspersky. What’s a ransomwareA ransomware is a software program that encrypts knowledge on victimsā computer systems or cell gadgets rendering is inaccessible. In return, the hackers ask for ransom to decrypt the info and provides customers the entry. In instances the place ransom shouldn’t be paid, ransomware teams can even completely lock the info or dump it on the darkish internet.In response to the insights shared at Kasperskyās ninth annual Cyber Safety Weekend ā META, which just lately came about in Kuala Lumpur, focused ransomware teams rent cybercriminals as workers to run intensive and clever operations to launch more and more subtle focused ransomware assaults. Lockbit group, which is notorious for its ransomware-as-a-service mannequin, is one instance the place focused ransomware teams assault governments, particular high-profile organisations, or selective teams of individuals inside an organisation.Kaspersky researchers monitored about 60 focused ransomware teams in 2023, in comparison with about 46 teams in 2022, and found incidents that indicated collaboration between focused ransomware teams. The cybersecurity firm additionally mentioned that ransomware funds globally surpassed $1.1 billion in 2023 ā āmarking an unprecedented high.ā
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