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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

Google Maps provides customers a handy and intuitive approach to entry climate forecasts throughout the globe. From present circumstances to prolonged outlooks, customers can leverage this characteristic to make knowledgeable choices and plan their actions accordingly. Whether or not you are a seasoned traveler, a climate fanatic, or just somebody who desires to remain ready for no matter Mom Nature throws your method, this information will equip you with the information and instruments to harness the total potential of Google Maps for climate forecasting. Right here’s how one can verify climate circumstances utilizing Google Maps. There are two methods to verify the climate utilizing Google Maps:1. Utilizing the climate icon:1. Open the Google Maps app in your smartphone or desktop.2. Seek for the situation you are interested by or navigate to it on the map.3. Have a look at the highest left nook of the display (on desktop) or the highest proper nook (on cell).4. You will see a small climate icon displaying the present climate circumstances and temperature.5. Clicking or tapping on the icon will increase to point out a extra detailed forecast for the subsequent few days, together with wind velocity, humidity, and different info.2. Utilizing the search operate:1. Open the Google Maps app in your smartphone or desktop.2. Within the search bar, sort “weather [location name]” (e.g., “weather New York City”).3. The search outcomes will show the climate info for that location, together with present circumstances and a forecast for the subsequent few days.Listed below are some extra issues to remember:* The climate info displayed in Google Maps is sourced from climate.com.* The accuracy and completeness of the knowledge could fluctuate relying on the situation.* You possibly can modify your temperature settings (Celsius or Fahrenheit) within the Google Maps app settings.

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