Inflation is your silent partner in every financial plan—whether you want it or not. It doesn’t shout; it just keeps taking a bigger share of your future budget. The mistake most people make is simple: they plan retirement using today’s prices, and by the time they realise what inflation has done, it’s often too late.
Inflation hits retirement planning twice. The first hit comes when you project today’s expenses to your retirement age. A simple way to think about it is this: what should Rs 1 lakh today become by the time you retire so it buys the same basket of goods and services? Over 20 years, Rs 1 lakh can effectively become Rs 1.8 lakh to Rs 3.2 lakh depending on inflation.
How inflation steadily eats into retirement plans and what you need to do
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