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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

WhatsApp retains dropping new sticker packs at times. At this time, the Meta-owned instantaneous messaging platform has introduced the rollout of Ramadan stickers because the competition is across the nook.WhatsApp introduced the brand new stickers by way of its official channel and the publish learn, “New Sticker Drop: Ramadan. Today marks the start of Ramadan. Celebrate, reflect and connect in your chats with this themed sticker pack.Ramadan Mubarak!”The sticker pack is titled “Ramadan” and it’s an animated sticker pack, in contrast to the earlier “Ramadan Together” pack launched again in 2021. In the meantime, the sticker pack is now accessible and customers can begin downloading it to ship needs to their family and friends to want Ramadan. The great factor is the sticker pack is obtainable on each Android and iOS variations of the app.How one can obtain the brand new Ramadan stickersOpen WhatsApp in your smartphoneHead to any particular person or group chatNow, faucet on the ‘Emoji’ icon on the left aspect of the chatbotTap on ‘Stickers’ icon on the topHit the ‘+’ button to open the Sticker storeLook for “Ramadan” sticker pack and faucet on the ‘download’ icon on the rightWait for the obtain to completeHow to ship it to associates and familySending the brand new Ramadan stickers is as easy as sending another sticker on WhatsApp. If you’re unaware, faucet on the emoji icon → Stickers → Search for the brand new Ramadan stickers and faucet on the sticker to ship.

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