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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.
NEW DELHI: Shares of Tata Consultancy Providers (TCS) on Monday declined practically 2 per cent amid studies that its promoter Tata Sons is more likely to promote a minority stake within the IT main. In accordance with studies, TCS-promoter Tata Sons is planning to promote as much as 2.3 crore shares, representing a 0.64 per cent stake within the firm by block offers on Tuesday. The provide worth for the block deal is probably going Rs 4,001 per share, which is a 3.45 per cent low cost in comparison with Monday’s closing worth for TCS, the studies mentioned. The inventory of the corporate plunged 1.78 per cent to shut at Rs 4,144.25 apiece on the NSE. On the BSE, it fell 1.72 per cent to settle at Rs 4,144.75 apiece. In the course of the day, shares of TCS hit its 52-week excessive of Rs 4,254.75 and Rs 4,254.45 apiece on the NSE and BSE, respectively. When it comes to quantity, 15.27 lakh fairness shares had been traded on the NSE, whereas 39,000 shares had been traded on the BSE, throughout the day. On the provide worth, the entire transaction worth of the block deal comes as much as over Rs 9,202 crore. As of December 2023, promoters and promoter group entities maintain a 72.41 per cent stake in TCS, of which 72.38 per cent shareholding is owned by Tata Sons. Tata Group’s shares have been within the highlight after a report from Spark Capital in March talked about that Tata Sons would possibly go public by September 2025 to satisfy RBI’s scale-based rules. RBI mandates that upper-layer NBFCs are required to checklist on inventory exchanges inside three years. Tata Sons has been named amongst 15 upper-layer Non Banking Monetary Corporations (NBFCs). At a market valuation of practically Rs 15 lakh crore, Tata Consultancy Providers is second Most worthy agency after oil-to-telecom conglomerate Reliance Industries Ltd. With a complete market valuation of Rs 31.6 lakh crore, Tata Sons is the proprietor of 29 publicly-listed Tata Group entities.
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