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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.
Who Are Millennials and Gen Z?
Meet the Millennials
Millennials, or Generation Y, are people born between the early 1980s and the mid-1990s. They were among the first to grow up with computers and the internet. So, they’re pretty comfortable with technology.
Getting to Know Generation Z
Generation Z includes those born from the mid-1990s to the early 2010s. Unlike Millennials, Gen Z folks are true digital natives. They were born into a world where smartphones and social media were everyday things.
What They Have in Common
1. Tech-Savviness
Both Millennials and Gen Z are tech-savvy. They use technology for everything, from socializing to working and learning. It’s a big part of their lives.
2. Caring About the World
They also share a strong sense of responsibility for the world around them. You’ll often find them speaking out about important issues like climate change, diversity, and equality.
3. Embracing Diversity
Both generations value diversity and inclusion. They appreciate people from all walks of life and believe in treating everyone with respect.
What Makes Them Different
Millennials
1. Economic Impact
Millennials lived through the 2008 financial crisis. This made them cautious about money and job security. They’re known for seeking a good work-life balance and personal happiness.
Millennials were the pioneers of early social media like Facebook and MySpace. They shaped the way we use social media today.
3. Higher Education Pursuit
Many Millennials highly value a college education and see it as a path to success. They often strive for traditional careers that require a degree.
Generation Z
Gen Z has a strong desire to be an entrepreneur. They’re more interested in starting their own businesses and being financially independent.
2. Short-Form Content Lovers
Generation Z prefers shorter content, like TikTok videos and Snapchat stories. They have shorter attention spans and like to consume information quickly.
3. The Gig Economy
Gen Z is more open to gig work and freelance jobs. They value flexibility and are open to trying different ways of making a living.
So, in a nutshell, Millennials and Gen Z are two different but fascinating generations. They have their similarities, but they also have unique qualities that set them apart. Understanding these differences is essential for businesses, marketers, and anyone who wants to connect with them.
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