{"id":10214,"date":"2020-06-19T10:54:54","date_gmt":"2020-06-19T10:54:54","guid":{"rendered":"\/blog\/?p=10214"},"modified":"2025-03-13T08:45:39","modified_gmt":"2025-03-13T08:45:39","slug":"as-retail-inflation-spikes-what-can-you-do-to-inflation-proof-your-savings","status":"publish","type":"post","link":"https:\/\/www.tatacapitalmoneyfy.com\/blog\/investment-guide\/as-retail-inflation-spikes-what-can-you-do-to-inflation-proof-your-savings\/","title":{"rendered":"As Retail Inflation Spikes, What can you do to Inflation-Proof your Savings?"},"content":{"rendered":"\n

With retail inflation spiking to around 7.59% in the\nmonth of January, 2020, the prices of goods in the Indian subcontinent have\nseen a dramatic rise. High levels of inflation tend to decrease the purchasing\npower of money. This, in turn, puts a dent in your savings and investments.\nHowever, there are several strategies that you can use to inflation-proof your savings.\n<\/p>\n\n\n\n

This way, the value of the investment options you\u2019ve\nchosen can continue to grow despite the invasive inflation. Here are some\nthings that you can do to inflation-proof\nyour savings.   <\/p>\n\n\n\n

Invest in a mutual fund<\/strong><\/h2>\n\n\n\n

Mutual funds are one of the best investment options that\nyou can use to guard your savings against inflation. Investment in equity-based\nmutual funds and index funds can help you create wealth, especially when you\nhold the investments for the long term. They are also very versatile in nature,\nallowing you to invest your money in either as a lump-sum or via a Systematic\nInvestment Plan (SIP).<\/p>\n\n\n\n

The Moneyfy app from Tata Capital can help\nyou invest in mutual funds seamlessly. You can start an SIP for as low as Rs.\n500 per month. This way, you can take advantage of rupee cost averaging.\nAlternatively, if you wish to inflation-proof a larger portion of your savings\nright away, you can make a lump sum investment in mutual funds using the\nMoneyfy app. With the current bear market trend owing to the Coronavirus, it\nmay just be the right time to invest low and sell high.<\/p>\n\n\n\n

Mutual funds can also be highly liquid investment options. The\nhigh liquidity makes it easy to buy and sell the units of a mutual fund at any\npoint in time, making them the perfect choice in case you want to keep your\nfunds accessible for any financial emergencies. With Moneyfy, you can invest in\nthe top-rated liquid mutual funds with just a few easy clicks. <\/p>\n\n\n\n

Invest in real estate<\/strong><\/h2>\n\n\n\n

Investment in real estate is another great\ntool that can be used to hedge against inflation. Real estate gives you\nmultiple avenues to create wealth. In addition to being able to earn rental\nincome, you could also sell your real estate assets to mobilize funds. Another\nadvantage is that the value of investments like land and property appreciates\nover time, since they are considered to be appreciating assets. <\/p>\n\n\n\n

Also, with a rise in the retail inflation rates,\nyour rental income as well as the value of your real estate assets will\nincrease considerably. This instills a sense of financial security since you\ncan actually gain from the rising inflation rates. <\/p>\n\n\n\n

However, bear in mind that maintaining your\nreal estate property can be cumbersome. It can also be tough to sell your asset\nat a later point in time. So, plan for these roadblocks before you invest.<\/p>\n\n\n\n

Invest in gold<\/strong><\/h2>\n\n\n\n

In India, gold has always been a popular\ninvestment choice. New and seasoned investors consider it to be a great\ninvestment option, with a high potential for appreciation. Wealth management\nexperts too agree that investing in gold is an ideal way to inflation-proof your savings.\nSince the supply of this precious metal is limited, the price of gold tends to\nrise in tandem with the general inflation peaks in an economy. <\/p>\n\n\n\n

Therefore, investing in gold can give you\nhigher inflation-adjusted returns than most other investment options. However, keep in mind that\ninvestment in gold is a long-term option and should be treated as such. Also,\nit is a wise idea to diversify your portfolio and not invest a huge portion of\nyour capital in gold. <\/p>\n\n\n\n

With Moneyfy from Tata Capital, you can even\ncombine the advantage of mutual funds and gold by investing in top-rated gold\nfunds. <\/p>\n\n\n\n

Additional\nRead:<\/strong> Smart Long-Term Investment\nOptions for 2020<\/a><\/p>\n\n\n\n

Invest in long-term investment options<\/strong><\/h2>\n\n\n\n

Long-term investment options such as fixed-income assets are\nanother great way to inflation-proof\nyour savings. Although the rates of interest offered by these options\nare slightly lower when compared to most other options, they are usually backed\nby a very powerful phenomenon, namely compounding.<\/p>\n\n\n\n

Compounding can dramatically increase the\nvalue of your investment over a long period of time. In the process of\ncompounding, your investment is reinvested along with the accumulated interest.\nThis helps you generate additional income. To put it plainly, you get to earn\ninterest on interest. However, to fully appreciate the power of compounding,\nyou need to stay invested for a long time. By utilizing the power of compound\ninterest, you can effectively negate the adverse effects of retail inflation on your\nsavings. <\/p>\n\n\n\n

Additional Read: <\/strong>What Is The Power of Compounding & How Can You Use It?<\/a><\/p>\n\n\n\n

Conclusion<\/strong><\/p>\n\n\n\n

This list of inflation-proof investment options are not exhaustive. There are also plenty of other options that you can use to safeguard your savings even in the face of rising retail inflation. And in case you are unsure of how to manage your money in an inflation-based economic scenario, you could always seek professional advice or download Moneyfy Mutual fund app<\/a> for best investment decisions.<\/p>\n\n\n\n

Download the App<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

With retail inflation spiking to around 7.59% in the month of January, 2020, the prices of goods in the Indian subcontinent have seen a dramatic rise. <\/p>\n

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