^Inflation is a long-term pattern of rising prices across the economy yearly. Inflation rates indicate the rate of erosion of the value of an investment over time as well as the loss of purchasing power. Investing in assets requires a return on investment consistent with their living standard. 

To overcome the effects of inflation on your investment, you must have financial planning and knowledge. Here are a few things you should know. 

‍Inflation: What Causes It?

Inflation occurs when the demand for an item or service exceeds the supply of that good or service. This is referred to as demand-pull inflation, and it causes price increases. 

Inflation is also caused by a rise in the cost of producing products and services. As the cost of manufacturing an item rises, manufacturers raise the selling price in order to achieve or maintain a specified profit. This is referred to as cost-pull inflation.

Here's a chart demonstrating how a lakh's value decreases over time to help you comprehend this better.

‍Financial vs Physical Investment

Physical assets can be felt, seen, touched, or held, such as real estate, precious metals, jewellery, plant and machinery, vehicles, tools, etc. These assets must be maintained, repaired, and upgraded, which can lead to expenses.

An intangible asset, such as shares, bonds, deposits in banks, accounts receivables, goodwill, copyrights, patents, etc., cannot be seen or touched, except for the records proving ownership of the asset, for example, shares, bonds, deposits in banks. The value of financial support does not depreciate or diminish with time. Nevertheless, depending on market conditions, the value of a financial asset can appreciate or depreciate.

‍Asset Classes and Inflation

The value of liquid assets tends to rise less over time than the value of other types of assets since inflation affects them similarly. Because of this, liquid assets are more susceptible to inflation's effects. The larger economy tends to retain fewer liquid assets when inflation rates are high.

Although illiquid assets can generate interest and grow in value, inflation also affects them. Investing in stocks, bonds, and mutual funds is one of the best ways to protect savings against inflation. In times of high inflation, people often spend their liquid assets on consumer goods or invest them in interest-paying assets.

‍Systematic Investment in Equity Mutual Funds

Mutual Funds offer a Systematic Investment Plan (SIP), a means of investing a fixed amount at regular intervals, say once a month or once a quarter, instead of making a lump-sum investment. Instalments could be as low as INR 500 per month and are similar to recurring deposits. Moreover, it is convenient since your bank can give you standing instructions to deduct the monthly amount.  

‍Here are some examples of the power of compounding

Three Golden Rules of Investment

Start Early

It is recommended that you start early in order to gain greater financial wellbeing and to maximise your returns on investment. If you allow your investment portfolio to generate returns over time, your returns will essentially create more returns. In technical terms, this is called compounding, proving that even small investments can accumulate into large sums over time.

Invest Regularly

Regularly investing rather than attempting to time a lump sum investment can help you become a more disciplined investor. Ultimately, you must invest no matter how high or low the price is. As a result, investing becomes less emotional, and you can put your money to work more quickly.

Invest for Long Term

The relationship between volatility and time is an advantage of long-term investing. The volatility of investments held for a more extended period tends to be lower than the volatility of assets held for a shorter period. The longer you invest, the more likely you will survive market downturns.

Investments with their risk vs return potential

Conclusion

If the returns on an investor's assets are less than the rate of inflation, even if they show profits, they will lose money. Additionally, individuals should ensure that their income increases at least as much as inflation; otherwise, they are technically earning less than they would otherwise and losing financial stability.

^Welcome to the world of Bio-Hacking! A revolutionary approach to optimizing our health through the manipulation of our diets. Gone are the days when we simply relied on conventional wisdom and bland diets to maintain our well-being. The landscape of our diets has shifted dramatically, with a growing interest in the science behind how we fuel our bodies. 

And that's where Bio Hacking comes in, offering a new way to unlock our full potential through tailored nutrition. By understanding the intricate interplay between our diets and our bodies, we can fine-tune our eating habits to achieve optimal health. 

Join me on this exciting journey of discovery, where the possibilities are endless and the results truly transformational.

The Art of Nutrigenomics

One of the most exciting developments in the field of nutrition is the science of Nutrigenomics. By sending a simple blood sample to a specialized laboratory, we can delve deep into our genetic makeup and discover the optimal diet tailored just for us. 

From uncovering food sensitivities to maximizing our nutrient intake, Nutrigenomics is a powerful tool for unlocking the full potential of our health and wellness. 

The Time-Tested Technique

Intermittent fasting has been a timeless technique, originating from ancient civilizations where food was scarce and long periods without eating were common. It's about balancing controlled eating and fasting to find what works best for you.

This practice brings numerous benefits, such as improved metabolism, better insulin sensitivity, and reduced inflammation. It allows your body to focus on important processes like cell repair and waste removal by regulating your eating patterns and giving your digestive system a break. Find your rhythm, whether it's fasting for 12 or 16 hours, and reap the benefits of this time-tested technique.

"Good nutrition is a responsibility, not a restriction." - Bettina Leigh

The Elimination Diet

As a professional nutritionist, I always suggest exploring the power of the elimination diet to uncover food sensitivities and improve overall health. The process is simple: by eliminating certain foods and then gradually adding them back into your diet, you can discover which foods trigger adverse reactions and determine any allergies you may have. 

The Fiber Fix

When it comes to your diet, fiber is often the unsung hero. This time-tested nutrient provides a multitude of health benefits, from supporting good gut health and boosting immunity to improving digestion and reducing the risk of chronic diseases. But despite its many perks, many of us struggle to get enough fiber in our diets. 

Start by incorporating more fruits and veggies into your diet. These nutrient-rich foods are packed with fiber, vitamins, and minerals that support overall health and well-being. Consider adding various colorful food items to your plate, and try new recipes incorporating fiber-rich ingredients, like whole grains and legumes.

The Supercharge of Superfoods

As a professional nutritionist, it's hard to deny the buzz surrounding "superfoods" and their potential health benefits. But what exactly makes a food "super"? It's all about the high concentration of vitamins, minerals, and antioxidants that can support our overall health and wellness. From nutrient-dense berries to anti-inflammatory spices, incorporating these power-packed foods into our diets can give us the extra boost we need to feel our best. 

So why not add a sprinkle of spinach to your smoothie, or enjoy a handful of goji berries as a snack?

The Protein Punch

Protein is the powerhouse nutrient that provides the building blocks for our muscles, hormones, and enzymes. It's essential for maintaining muscle strength and tone and helps ward off cravings by filling us up. But the benefits of protein don't stop there - it also plays a critical role in balancing hormones and managing blood sugar levels. 

From animal-based sources like meat, fish, and dairy to plant-based options like beans, lentils, and tofu, there's a variety of ways to get more protein into your diet. 

The Sweet, Sunny, and Savvy Approach

The Sugar Solution: Sweeter Health Ahead

Sugar, the sweet treat that has become a staple in our diets, is causing more harm than good. Overconsumption of processed foods and sugar leads to a host of health problems and is taking a toll on our bodies. But it's never too late to make better choices for our health. We can turn our health around by cutting back on processed foods and sugar and enjoy a sweeter, healthier future.

The Vitamin D Boost: Light Up Your Health

Vitamin D is crucial in optimal health, playing a role in everything from bone health to immune function. Maximizing your vitamin D levels through sun exposure and supplementing for deficiency can help ensure you're getting enough of this essential nutrient. Don't let a lack of sun keep you from shining bright!

The Practice of Bio-Hacking

Biohacking is the process of making small changes in your diet, exercise, meditation, and mindfulness practices to achieve big results for your health. Keeping a food log and making conscious choices can help you make the most of your bio-hacking journey, leading you to a healthier, happier you.

Conclusion

The journey to healthy living and well-being doesn't have to be complicated. Bio-hacking is a simple and effective way to take control of your health and harness the power of diet, exercise, and mindfulness. With the help of professional guidance, you can find your own path to health and happiness by making small, sustainable changes that will have a big impact on your health in the long run. 

So why wait? Embrace the power of bio-hacking today and start your journey towards a healthier, happier life.