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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.
Vistara has been hit by delays and cancellations as a result of an ongoing pilot crisisNew Delhi: Vistara’s administration could have introduced steps to deal with its ongoing disaster, however the decision is anticipated to take time, sources have instructed NDTV Revenue. Two folks accustomed to the matter have stated that first officers from Air India will probably be despatched to Vistara on deputation. However this may increasingly not resolve the matter instantly.These first officers need to endure obligatory coaching of practically 40 days in response to guidelines laid down by the Directorate Normal of Civil Aviation. This features a 21-day floor coaching with simulator and line coaching.Whereas each Vistara and Air India are a part of the Tata Group, any pilot trade might be effected solely after a proper coaching, the sources stated.A supply added that Air India is already working with a scarcity of first officers. Most Air India operations are being operated with One-Manner Command, which suggests two pilots are dealing with cockpit operations as a result of scarcity of co-pilots.The sources stated that even when Vistara hires pilots flying Airbus A320 for different airways, their coaching will take no less than two months.Vistara yesterday stated it’s scaling again operations by 25-30 flights per day to ease the stress on pilots. The airline underlined that it had improved its on-time efficiency over the previous few days after a collection of cancellations and delays. Pilots at Vistara, which is within the means of a merger with Air India, are usually not completely satisfied after they got new contracts by which the mounted pay element has been decreased and there’s extra flying-linked incentive within the wage construction.”We are carefully scaling back our operations by around 25-30 flights per day, i.e. roughly 10% of the capacity we were operating,” Vistara’s spokesperson stated in a press release yesterday. “This will take us back to the same level of flight operations as at the end of February 2024, and provide the much-needed resilience and buffer in the rosters.”
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