Race against inflation

A person toils hard to earn but inflation takes away most of it. Hence, it is crucial to generate inflation-beating returns while investing. It is crucial to achieve and maintain the lifestyle that they aspire for. And, we at TejiMandi aim to help you in staying ahead in this race against inflation.
Race against inflation

Inflation, in simple terms, is defined as rising prices of products and services. When prices for energy, food, commodities, and other goods and services rise, people have to start spending more on them. It directly increases the spending on basic needs. Hence, leaving little room for luxury or aspirational purposes.

Impact on the standard of living:

Inflation affects your standard of living because it reduces your spending power. It is especially harsh on those leaving on a fixed income like retired individuals. While their income remains flat, prices continue to rise. It affects their disposable income as day-to-day expenses keep increasing. 

For example, your current monthly expense of Rs 50,000. Suppose, inflation is growing at 5% and you are going to retire after 20 years. Calculating the inflation impact at 5%, you would need Rs 1,32,665/ month to maintain the current lifestyle. 

How to overcome inflation?

The government of India has assigned the task of managing inflation to RBI. The central bank is given the mandate to keep inflation within a target band of 4%, + or -2% However, you should also prepare a plan to protect yourself from it. Your investments matter a lot here. They are your gateway to lead a comfortable life once sources of income dry up.

Role of TejiMandi:

Equity market is the only asset class that can generate inflation-beating returns consistently over a longer period. However, the stock market involves significant risk. It requires specific knowledge and skills that can be developed over time. Also, the stock market tends to get volatile from time to time. It needs the investors to take professional help to navigate through the complexity of the market.

 TejiMandi‘s Sebi-Registered Research Analyst is a great tool in this regard. It covers all the hindrances that a retail investor faces. Be it lack of research, knowledge, or lack of time. We attempt to remove all these hurdles for an investor and provide them ‘ready to implement’ ideas at a nominal fee. The service is ideal for those who are aware of the stock market’s potential but feel that it is too risky for them.

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