Plan Your Financial Future in Minutes
Use our free SIP Calculator to estimate your investment returns, visualize compounding, and start building wealth today — no sign-up required.
Why Use Our SIP Calculator?
Simple Inputs
Just enter your monthly investment, time period, and expected return rate.
Visual Growth Charts
See how your wealth grows month by month with powerful visuals.
Customizable Results
Test different scenarios to find the perfect investment plan for you.
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: A bunch of American professionals has levelled severe allegations in opposition to Indian tech big Tata Consultancy (TCS) within the newest twist to the continued debate over the US visa program for expert international staff. The employees alleged that they have been fired by TCS on quick discover and their roles given to Indians on H-1B visas, the Wall Avenue Journal reported.The H-1B visa program permits US firms to make use of international staff in specialty occupations requiring technical experience. Sometimes, H-1B visa holders are employed for 3 to 6 years, with the potential of renewal in the event that they pursue everlasting resident standing by the Inexperienced Card course of.In response to complaints filed with the Equal Employment Alternative Fee (EEOC), a minimum of 22 American staff declare that TCS unlawfully discriminated in opposition to them primarily based on race and age. These former staff, hailing from numerous ethnic backgrounds and ranging in age from their 40s to their 60s, allege that TCS terminated their employment on quick discover and changed them with lower-paid Indian immigrants on H-1B visas.”While companies often conduct layoffs that affect workers with more seniority, the American professionals say TCS broke the law by targetting them based on protected characacteristics of age and race,” the WSJ report stated.The employees affected by these alleged discriminatory practices reside in additional than a dozen states throughout the US and possess superior levels, together with a grasp’s in enterprise administration, in response to the report.They allege that the TCS demonstrated preferential therapy in the direction of Indian staff within the US who already possessed the H-1B visa.Calling the allegations meritless, TCS stated it has by no means engaged in illegal discrimination. “TCS has a strong record of being an equal opportunity employer in the US, acting with integrity in its operations,” an organization spokesperson instructed WSJ.The H-1B visa system, which yearly points 65,000 visas together with an extra 20,000 for candidates holding superior levels from US establishments, has been a topic of competition for years. Critics argue that it permits firms to use low cost labor from abroad, doubtlessly displacing American staff and decreasing wages.Tech firms, particularly, closely depend on the H-1B visa program to recruit expertise from world wide. The choice course of entails a lottery performed by the US Citizenship and Immigration Companies, with employers sponsoring chosen candidates for the visa.
#Techies #Declare #Agency #Gave #Jobs #Indians #H1B #Visas #Report