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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.
Samsung has just lately expanded its inexpensive smartphone lineup in India with a brand new 5G-enabled mannequin, the Galaxy F15. Beginning at Rs 11,999, the smartphone incorporates a Tremendous AMOLED show and comes powered by an octa-core MediaTek chipset. The Galaxy F15 additionally sports activities a 50MP digicam and packs a 6000mAh battery unit. The smartphone runs on Android 14 and consists of some proprietary options like Voice Focus, Fast Share and Knox safety.The South Korean tech large has additionally promised 4 years of Android replace and 5 years of safety patches for the most recent funds 5G telephone. The smartphone is positioned in the identical worth section because the Moto G34 5G smartphone that Lenovo-owned Motorola launched earlier in January. Beginning at Rs 10,999, the Moto G34 options an IPS show, a Snapdragon chipset, 50MP digicam and a 5,000 mAh battery. Right here’s an in depth comparability between the inexpensive 5G-enabled fashions from Samsung and Motorola which can be priced underneath Rs 15,000:Samsung Galaxy F15 5G vs Moto G34 5G: ComparisonFeatureMoto G34 5GSamsung Galaxy F15 5GPrice (Beginning)Rs 10,999Rs 12,999Display6.5″ HD+ (1600×720), 120Hz6.6″ FHD+ (2340×1080), 90HzProcessorSnapdragon 695MediaTek Dimensity 6100+RAM4GB / 8GB4GB / 6GBStorage128GB128GBExpandable StorageUp to 1TBUp to 1TBRear Camera50MP + 2MP50MP + 5MP + 2MPFront Camera16MP13MPBattery5000mAh, 20W charging6000mAh, 25W chargingOperating SystemAndroid 14 (My UX)Android 14 (One UI 6.1)Fingerprint SensorSide-mountedSide-mountedSamsung Galaxy F15 5G vs Moto G34 5G: Key differencesMoto G34 begins at a lower cost than the Samsung Galaxy F15. In the meantime, the latter has the next decision show however a decrease refresh price. Then again, rhe Moto G34 is powered by a Snapdragon 695 chipset which gives barely higher efficiency than the MediaTek Dimensity 6100+ that comes with the Galaxy F15.Samsung Galaxy F15 gives an ultrawide digicam whereas Moto G34 has a macro digicam. For battery, the Galaxy F15 has a bigger unit and helps sooner charging.
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