The Wake-Up Call: How Inflation Shocked a Financial Advisor
Inflation is the silent thief. Only aggressive investing can outrun it.
6/10/20251 min read
Meet Priya Kapoor, 30, Mumbai-based Mutual Fund Distributor
The Reality Check (2024)
Priya (confidently advising clients): "Your ₹40,000 monthly expenses today seem manageable, right?"
Then she ran her own retirement math:
Future Value Formula:
FV = PV × (1 + Inflation)^Years
FV = 40,000 × (1.05)^30
Her Jaw Dropped:
Age 30: ₹40,000/month
Age 60: ₹1,72,877/month (same lifestyle)
The Hidden Crisis
1️⃣ Household Help:
Current cook salary: ₹15,000
At 5% inflation → ₹64,829/month in 2054
2️⃣ Medical Costs:
Today's ₹10,000 health insurance → ₹43,219/month premium
3️⃣ Shock Realization:
"My 'safe' ₹2Cr retirement target now needs to be ₹8.6Cr!"
Her Action Plan
Immediate SIP Increase:
From ₹25k → ₹40k/month (70% equity)
Career Hedge:
Got SEBI L2 certification to boost income
Client Conversations Changed:
Now shows this ₹40k → ₹1.73L math to every 30-year-old client
The Lesson
"Inflation is the silent thief. Only aggressive investing can outrun it."
Your Turn: Calculate Your Number Now Current Expense