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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 CEO Vinod Kannan on Saturday stated the airline hopes to stabilise operations for April by this weekend. He additionally stated that greater than 98 per cent of Vistara pilots have signed the brand new contract.
The provider confronted vital disruption in operation earlier this week as a result of non-availability of crew and plenty of flights have been cancelled. Vistara citied “various operational reasons” and “high utilisation of resources” as a explanation for the cancellations and delays.
In an announcement, Vinod Kannan stated the scenario has already improved with its on-time efficiency enhancing for the final three days. “We hope to stabilise our operations for the rest of April 2024 by this weekend.”
Referring to the brand new contract for pilots, the CEO of the airline with 1,000 pilots, stated “over 98 per cent of pilots have signed the brand new contract”, nonetheless some pilots have some considerations and queries relating to the contract.
Kannan stated the airline is participating with the pilots to make clear and resolve their considerations.
A bit of pilots have raised considerations in regards to the new contract that can lead to pay revision, PTI had reported earlier citing sources.
A major variety of Vistara pilots had taken sick go away following the announcement of latest wage guidelines, which additionally coincided with the airline’s merger with Air India.
The pilot scarcity situation stemmed from pay cuts carried out after new flying hours rules got here into impact not too long ago.
Based on Kannan, the airline is addressing the present scenario on a battle footing and persevering with to rent extra pilots.
The airline can be fastidiously scaling again operations barely to supply the much-needed resilience, and a buffer within the rosters, he famous.
On Tuesday, the Directorate Normal of Civil Aviation (DGCA) requested Vistara to submit each day reviews about flight operations and to observe the Civil Aviation Rules (CAR).
Vistara stated that it has quickly diminished the variety of flights and has deployed bigger plane on choose home routes to accommodate extra prospects, wherever doable.
The airline additionally stated it can supply related refunds and compensation to all the shoppers affected by the delays and cancellations during the last weekend.
(With company inputs)
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