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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: 4 Byju’s traders has filed a lawsuit towards the administration of firm earlier than Bengaluru bench of the NCLT. They’re in search of to declare the founders, together with CEO Byju Raveendran, as unfit to run the corporate and appoint a brand new board. The traders have additionally requested a forensic audit of the corporate. The plea has been filed to forestall worth erosion for all shareholders and to protect value for different stakeholders, reminiscent of staff and clients.The traders, together with Prosus, GA, Sofina, and Peak XV, have raised issues about monetary mismanagement by the founders, together with the lack of management of Aakash and default on Byju’s Alpha (TLB mortgage).They’ve additionally highlighted extended company governance points, such because the non-hiring of a CFO and impartial director.The lawsuit additionally addresses alleged regulatory non-compliances, oppressive nature of the rights supply, and unauthorised company actions relating to the acquisition of Singaporean edtech firm Northwest Schooling Pte. It additionally mentions inter-corporate loans on undisclosed phrases and a number of insolvency petitions filed by BCCI, TLB lenders, and Surfer Applied sciences Pvt Ltd.The traders are in search of the ouster of Raveendran and his household from the Byju’s board via a rare normal assembly of shareholders. They wish to defend the rights of all shareholders and make sure the firm’s sustainable progress.Along with declaring the current administration as unfit, the traders are demanding the appointment of a brand new CEO and a brand new board. Additionally they need the administration to share info with the traders and chorus from taking any company actions that might hurt the pursuits of the shareholders.The plea filed earlier than the NCLT goals to carry the administration accountable for his or her actions and produce about vital adjustments to safeguard the way forward for Byju’s. The traders are dedicated to transparency, good governance, and the general well-being of the corporate.
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