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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.
Competitors in India’s hyper-grocery market, additionally known as fast commerce, could get extra fierce. In keeping with a report in TechCrunch, Walmart-owned Flipkart is planning to enter this fashionable ecommerce phase. With this service, Flipkart will likely be taking up Zomato’s Blinkit, Swiggy’s Instamart, Zepto and Tata Group’s BigBasket.By the way, the report comes about two weeks after a information report by the identical publication claimed that Flipkart is exploring to accumulate the instant-delivery startup Dunzo.It mentioned that Dunzo’s Reliance possession “complicated the (deal) conversation”.Citing a supply accustomed to the matter, the report mentioned that the corporate intends to launch the instant-delivery service as early as Might this yr. Nonetheless, quoting sources, it added that the deliberations are ongoing and the timeline could barely change.The corporate has invested in enhancing its provide chain infrastructure to enhance its supply time, with a give attention to grocery gadgets. These efforts have allowed Flipkart, majorly owned by Walmart and is valued at over $30 billion, to supply same-day and next-day supply choices.What Flipkart has to sayA Flipkart spokesperson mentioned that the corporate is “committed to meeting evolving customer expectations and delivering excellence in value, selection and speed, with more initiatives expected on this front in the coming months.”“At Flipkart, customer-centricity is at the core of everything we do. We constantly work towards delivering a wide range of products to customers with speed,” a Flipkart spokesperson was quoted as saying. In January, Flipkart introduced that it’s going to begin same-day supply of some merchandise in February. The corporate mentioned that beneath this programme, merchandise like cellphones, style, magnificence merchandise, way of life, books, residence home equipment and electronics will likely be made obtainable in metro and non-metro cities, together with Delhi, Bengaluru, Mumbai, Chennai, Guwahati, Ludhiana, Nagpur, Siliguri, Vijayawada and Coimbatore.Grocery supply corporations have additionally been working to chop down on the supply instances. For instance, BigBasket mentioned in January that it has reduce the timeline for its slotted deliveries from just a few hours or on the subsequent day to lower than two hours.
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