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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

WhatsApp provides a safety function referred to as two-step verification, which permits customers to set a safety PIN to their account. This safety PIN is over and above the SMS verification performed throughout registration of the account. It’s important as this PIN ensures that hackers don’t hijack your WhatsApp account. Nearly 50% WhatsApp-related scams occur when customers lose entry to their WhatsApp account. Setting a PIN helps be sure that the account doesn’t find yourself within the arms of criminals. Here is easy methods to consumer can set WhatsApp PIN for his or her accounts:Open WhatsApp and go to Settings.Faucet on Account after which Two-step verification.Choose Allow.Create a six-digit PIN of your alternative and make sure it by getting into it once more.Another choice is that WhatsApp customers can add an e mail handle for restoration functions in case they neglect their PIN. Please know that this PIN will not be obligatory. Customers can Faucet Skip if they do not wish to add an e mail.Faucet ‘Subsequent’ to complete enabling two-step verification.Now, everytime you register your WhatsApp quantity on a brand new system, you may be required to enter this six-digit PIN along with the SMS verification code.

#safe #WhatsApp #PIN #shield #hijacked

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