{"id":747,"date":"2020-05-26T14:44:27","date_gmt":"2020-05-26T14:44:27","guid":{"rendered":"https:\/\/www.cashvisory.com\/blog\/?p=747"},"modified":"2020-07-09T08:26:16","modified_gmt":"2020-07-09T08:26:16","slug":"how-to-protect-your-savings-from-the-impact-of-inflation","status":"publish","type":"post","link":"https:\/\/www.cashvisory.com\/blog\/how-to-protect-your-savings-from-the-impact-of-inflation\/","title":{"rendered":"How to protect your savings from the impact of inflation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"747\" class=\"elementor elementor-747\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23f838a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23f838a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-be2d2c1\" data-id=\"be2d2c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e10a82 elementor-widget elementor-widget-text-editor\" data-id=\"6e10a82\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cEverything is so expensive now. When I was younger, a chocolate bar would cost only a few paise\u201d. We have all heard our parents or grandparents say this at some point. How does a chocolate bar that cost a few paise 40 years ago cost Rs 10 today? The answer is simple &#8211; inflation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c73348a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c73348a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52b8340\" data-id=\"52b8340\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e1f661 elementor-widget elementor-widget-heading\" data-id=\"1e1f661\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is inflation?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cef9630 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cef9630\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9f1ef67\" data-id=\"9f1ef67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49e63bb elementor-widget elementor-widget-text-editor\" data-id=\"49e63bb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Inflation is the rate at which the average price of goods and services increase in an economy over a period of time. This reduces the purchasing power of the currency over time. This affects everything from the price of a movie ticket to your car to college education.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b9e23b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b9e23b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cee5761\" data-id=\"cee5761\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7fb1f00 elementor-widget elementor-widget-heading\" data-id=\"7fb1f00\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How does inflation impact your savings?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a17ac7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a17ac7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff20bc7\" data-id=\"ff20bc7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-998837c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"998837c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Let us take Raj for example, who has been saving up to buy his dream car. The cost of the car in the year 2010 was Rs 10,00,000. He calculated that if he saves Rs 1,00,000 every year for 10 years, he will have enough to buy it. He opened a savings account with his bank to deposit the funds needed for his purchase. His savings account was giving him an interest of 4.5% per annum on average, to provide him with a buffer to achieve his goal.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">However, Raj failed to factor in inflation which averaged 6.5% for the automobile industry. Come 2020, Raj was excited thinking he had exceeded his saving targets but was soon disappointed to find out that the cost of the car had increased. By the year 2020:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Raj\u2019s savings had grown to <\/span><b>Rs 12,28,820<\/b><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The car\u2019s price had increased to <\/span><b>Rs 18,77,137<\/b><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57a30e9 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"57a30e9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"706\" height=\"538\" src=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/blog-upload.jpg\" class=\"attachment-large size-large wp-image-749\" alt=\"\" srcset=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/blog-upload.jpg 706w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/blog-upload-300x229.jpg 300w\" sizes=\"(max-width: 706px) 100vw, 706px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0894a0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0894a0e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b73412d\" data-id=\"b73412d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05219e4 elementor-widget elementor-widget-text-editor\" data-id=\"05219e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is how significant the impact of inflation is! We as a culture have always been savers. It is the first important step to achieving our financial dreams. However, saving on its own is not enough to protect our goals from the impact of inflation over time.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-641202f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"641202f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-810e4a0\" data-id=\"810e4a0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6baa139 elementor-widget elementor-widget-heading\" data-id=\"6baa139\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How can you protect against the impact of inflation?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cf1e031 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cf1e031\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d55891\" data-id=\"3d55891\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc268d0 elementor-widget elementor-widget-text-editor\" data-id=\"cc268d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Protecting your savings from the impact of inflation is easier than you may think &#8211; <\/span><b>invest<\/b><span style=\"font-weight: 400;\"> in solutions that outperform the rate of inflation.\u00a0<\/span><\/p><p>Some of the most popular investment tools in India are fixed deposits (FD) and provident fund (PF). If you have invested in either of these, you have taken a step in the right direction as compared to keeping all your funds in a savings account. However, the average rate of return from FDs merely matches the rate of inflation while PF outperforms inflation only marginally. So what you are doing is avoiding your savings from eroding away due to inflation.\u00a0<\/p><p>However, if you want to grow your wealth, you need your investments to not just match inflation but outperform it considerably. Stock investments are a good option but involve risks and require knowledge with regards to stock picking. Better solutions might be <a href=\"https:\/\/www.investopedia.com\/terms\/m\/mutualfund.asp\" target=\"_blank\" rel=\"noopener\">Mutual funds<\/a> (MF) and <a href=\"https:\/\/www.investopedia.com\/terms\/e\/etf.asp\" target=\"_blank\" rel=\"noopener\">Exchange traded funds <\/a>(ETF) which help with the <a href=\"https:\/\/www.investopedia.com\/terms\/d\/diversification.asp\" target=\"_blank\" rel=\"noopener\">diversification<\/a> of risks, yet comfortably outperform inflation over the years. There is also an option of adding fixed income instruments like <a href=\"https:\/\/www.investopedia.com\/terms\/b\/bond.asp\" target=\"_blank\" rel=\"noopener\">Bonds<\/a> and <a href=\"https:\/\/www.investopedia.com\/terms\/r\/reit.asp\" target=\"_blank\" rel=\"noopener\">Real estate investment trusts<\/a> (REIT) to your portfolio to further reduce the risks.<\/p><p>To put things in perspective, the graph below shows how Rs 100 invested in the different asset classes grows over a period of 30 years in comparison to inflation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7671b3c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7671b3c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b8e0ce\" data-id=\"1b8e0ce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8f3089 elementor-widget elementor-widget-image\" data-id=\"b8f3089\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"924\" height=\"618\" src=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Asset-classes-vs-inflation.jpg\" class=\"attachment-large size-large wp-image-752\" alt=\"graph of various asset classes versus inflation\" srcset=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Asset-classes-vs-inflation.jpg 924w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Asset-classes-vs-inflation-300x201.jpg 300w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Asset-classes-vs-inflation-768x514.jpg 768w\" sizes=\"(max-width: 924px) 100vw, 924px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bba2a0 elementor-widget elementor-widget-text-editor\" data-id=\"9bba2a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a4821e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a4821e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ab1b281\" data-id=\"ab1b281\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ad7961 elementor-widget elementor-widget-heading\" data-id=\"4ad7961\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bottom Line<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-082c36d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"082c36d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac713a3\" data-id=\"ac713a3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfa2a21 elementor-widget elementor-widget-text-editor\" data-id=\"dfa2a21\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Inflation can severely compromise our ability to meet our goals in the long term by reducing the purchasing power of our savings. Fortunately, investing is a way of preserving and enhancing the purchasing power of our funds. It is critical to understand your options and choose your investments wisely in order to not just counteract the effect of inflation but to leverage the opportunity to grow your wealth.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u201cEverything is so expensive now. When I was younger, a chocolate bar would cost only a few paise\u201d. We have all heard our parents or grandparents say this at some point. How does a chocolate bar that cost a few paise 40 years ago cost Rs 10 today? The answer is simple &#8211; inflation. What [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments"],"uagb_featured_image_src":{"full":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Picture-1-1.png",571,456,false],"thumbnail":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Picture-1-1-150x150.png",150,150,true],"medium":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Picture-1-1-300x240.png",300,240,true],"medium_large":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Picture-1-1.png",571,456,false],"large":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Picture-1-1.png",571,456,false],"1536x1536":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Picture-1-1.png",571,456,false],"2048x2048":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/05\/Picture-1-1.png",571,456,false]},"uagb_author_info":{"display_name":"Admin","author_link":"https:\/\/www.cashvisory.com\/blog\/author\/admin\/"},"uagb_comment_info":5,"uagb_excerpt":"\u201cEverything is so expensive now. When I was younger, a chocolate bar would cost only a few paise\u201d. We have all heard our parents or grandparents say this at some point. How does a chocolate bar that cost a few paise 40 years ago cost Rs 10 today? The answer is simple &#8211; inflation. 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