Money Guru: How to prepare for Voluntary Retirement? Know from experts inflation-beating investment options!

Money Guru: Inflation is rapidly rising while the incomes are shrinking. This is a problem that directly affects common man's pockets. The recent increase in interest rates has only added fuel to the fire. In such a situation, it is important for you to know where you will get inflation-beating returns and make such investments. 

If you are preparing for voluntary retirement, you must know which investment options will give you maximum returns? How much investment mut go in equities after 60 years? Know the answer to every question related to the retirement plan from the expert Harshvardhan Rungta of Rungta Securities.

What is inflation?
Inflation refers to the rate of increase in the price of goods and services. The increase in inflation is directly proportional to reduction in the buying power of money. Higher the inflation, the lower the value of money. For example: What is being available for Rs 100 today, due to inflation, the same thing will be available for Rs 110 after some time. In such a situation, whenever you make an investment for long-term needs, then definitely add inflation rate in it.

Why is it important to calculate inflation?
At the individual level, our expenses increase sharply from year to year. The expenses increase at the rate of 10-12% every year. Medical and education expenses are also increasing yearly. The cost of education is increasing by 15-20% year after year. In such a situation, it is very important to see the rate of inflation to meet the expenses after retirement.

Impact of inflation on investment
Suppose you retire after 20 years. According to today's time, 1 crore is enough for your retirement. At present your monthly expenditure is Rs 50,000. If inflation increases at the rate of 8%, after 20 years, the value of Rs 50,000 will be Rs 2.30 lakh. So, a target of Rs 4.5 crore is necessary for retirement after 20 years.

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How to beat inflation?
In long term investments, keep exposure to different assets to beat inflation. Invest according to your risk appetite. Invest where you are getting returns above the inflation rate. And the most important thing is to focus more on long-term investments.

Types of inflation-beating options
Equity fund
Hybrid Fund
Investing in gold
Non-convertible debentures