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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.
The Xiaomi vs Realme smartphone conflict is again, or ought to we are saying kinda. For the newest jibe on Realme’s new telephones comes from Poco, the corporate that vehemently says that it isn’t Xiaomi’s sub-brand. However sure, it did originate as one. Additionally, the copyright info on Poco India’s web site has Xiaomi written in it. So we are able to say that the 2 key gamers of the Indian smartphone market who’ve a historical past of taking potshots at one another’s launches and extra, are again at it.Within the newest dig, Poco India nation head Himanshu Tandon has made enjoyable of Realme’s newest smartphone, Realme 12 5G. In a put up on X, previously Twitter, Tandon wrote that patrons ought to look forward to the corporate’s upcoming telephone Poco X6 Neo as a substitute of shopping for Realme 12 5G. He mentioned that the Realme telephone’s pricing is flawed. Speaking of ‘crimson flags’, he mentioned that the Realme 12 5G telephone runs on Dimensity 6100+ processor and has an LCD display screen. He additional added that Poco provides the identical processor in its 5G telephone Poco M6, which is priced beneath Rs 10,000.”After seeing today’s launch, everyone should REALly wait for the ‘Neo’ upgrade. Red Flags: Dimensity 6100+, LCD at 17k? Just an FYI, we use Dimensity 6100+ in #POCOM65G which is priced under 10k. #POCOX6Neo,” posted Tandon. Curiously, Poco additionally introduced its upcoming telephone Poco X6 Neo at present. The corporate is prone to launch the upcoming 5G telephone in partnership with Indian telecom big Airtel. The corporate has introduced that the Poco X6 Neo is prone to be among the many most cost-effective 5G telephones within the nation.Some studies recommend that Poco X6 Neo could possibly be a rebranded Redmi Notice 13R Professional from China. The Redmi Notice 13R Professional has largely the identical specs because the Redmi Notice 13. The telephone has 6.67-inch 1080p OLED show with 120Hz refresh fee and gap punch cut-out on the centre, it runs on MediaTek Dimensity 6080 chip and is powered by 5,000mAh battery with 33W quick charging assist.Goes again to days of Madhav Sheth and Manu Kumar JainRealme’s erstwhile CEO Madhav Sheth and Xiaomi’s former India head Manu Kumar Jain usually trolled one another’s manufacturers on social media in addition to at launch occasions. Through the launch of the Realme 3 smartphone in March 2019, Sheth made enjoyable of the Chinese language smartphone model whereas evaluating the Realme 3 side-by-side in opposition to the Xiaomi Redmi Notice 7 by way of specs and options. In the direction of the top of the Realme 3 presentation when a slide showcased the specs and the options of each the handsets, Sheth talked about all of the added functionalities in Realme 3 adopted by “Guys I think I forgot one thing” second. The checklist of such jibes from execs of each the businesses is lengthy.
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