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By:

Kaustubh Kale

10 September 2024 at 6:07:15 pm

Silent Money Killer: Loss of Buying Power

In personal finance, we often worry about losing money in the stock market, dislike the volatility associated with equities or mutual funds, or feel anxious about missing out on a hot investment tip. Yet the biggest threat to our wealth is far quieter and far more dangerous: loss of buying power. It is the invisible erosion of your money caused by inflation - a force that operates every single day, without pause, without headlines, and often without being noticed until it is too late....

Silent Money Killer: Loss of Buying Power

In personal finance, we often worry about losing money in the stock market, dislike the volatility associated with equities or mutual funds, or feel anxious about missing out on a hot investment tip. Yet the biggest threat to our wealth is far quieter and far more dangerous: loss of buying power. It is the invisible erosion of your money caused by inflation - a force that operates every single day, without pause, without headlines, and often without being noticed until it is too late.
Inflation does not take away your capital visibly. It does not reduce the number in your bank account. Instead, it reduces what that number can buy. A Rs 100 note today buys far less than what it did ten years ago. This gradual and relentless decline is what truly destroys long-term financial security. The real damage happens when people invest in financial products that earn less than 10 per cent returns, especially over long periods. India’s long-term inflation averages around 6 to 7 per cent. When you add lifestyle inflation - the rising cost of healthcare, education, housing, travel, and personal aspirations - your effective inflation rate is often much higher. So, if you are earning 5 to 8 per cent on your money, you are not growing your wealth. You are moving backward. This is why low-yield products, despite feeling safe, often end up becoming wealth destroyers. Your money appears protected, but its strength - its ability to buy goods, services, experiences, and opportunities - is weakening year after year. Fixed-income products like bank fixed deposits and recurring deposits are essential, but only for short-term goals within the next three years. Beyond that period, the returns simply do not keep pace with inflation. A few products are a financial mess - they are locked in for the long term with poor liquidity and still give less than 8 per cent returns, which creates major problems in your financial goals journey. To genuinely grow wealth, your investments must consistently outperform inflation and achieve more than 10 per cent returns. For long-term financial goals - whether 5, 10, or 20 years away - only a few asset classes have historically achieved this: Direct stocks Equities represent ownership in businesses. As companies grow their revenues and profits, shareholders participate in that growth. Over long horizons, equities remain one of the most reliable inflation-beating asset classes. Equity and hybrid mutual funds These funds offer equity-debt-gold diversification, professional management, and disciplined investment structures that are essential for long-term compounding. Gold Gold has been a time-tested hedge against inflation and periods of economic uncertainty. Ultimately, financial planning is not about protecting your principal. It is about protecting and enhancing your purchasing power. That is what funds your child’s education, your child’s marriage, your retirement lifestyle, and your long-term dreams. Inflation does not announce its arrival. It works silently. The only defense is intelligent asset allocation and a long-term investment mindset. Your money is supposed to work for you. Make sure it continues to do so - not just in numbers, but in real value. (The author is a Chartered Accountant and CFA (USA). Financial Advisor.Views personal. He could be reached on 9833133605.)

The Strength Behind Smiles

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Everyone’s fighting a battle you can’t see. Some wear their exhaustion under designer suits. Some hide it behind boardroom smiles. And yet, when life keeps throwing curveballs, the quiet whisper inside says, “Why me, always?”


What the world often sees is the highlight reel — smiling pictures, confident handshakes, flawless presentations. What it doesn’t see are the sleepless nights, the quiet doubts, and the countless times one gathers the strength to show up again. Everyone carries a story behind that smile, a silent resilience that keeps them moving forward. And yet, the irony is that we often mistake composure for comfort.


We scroll through glossy LinkedIn posts, watch peers speak on stages, and convince ourselves they’ve cracked the code. But the truth? They’re struggling too — just differently. The only distinction is this: they’ve learned how to show up with presence, not perfection.


And that, right there, is the secret difference between those who get seen and those who stay unseen.


In today’s hyper-visible world, your competence alone isn’t enough. People don’t buy your service, product, or position first — they buy your perception. The way you show up — online and offline — shapes how seriously the world takes you.


I once coached a founder from Pune who’d built a brilliant tech solution but couldn’t get a single investor meeting. His product was strong, his numbers impressive — yet, he came across as unsure and inconsistent online. We worked on refining his digital presence and communication for three sessions. Within eight weeks, he not only secured two investor introductions but also landed a pilot project he’d been chasing for a year. Nothing in his business changed — only how the world perceived him did.


In business and in life, perception often outruns reality. The world remembers how we show up, not always what we go through. And that’s where personal branding begins — not as a façade, but as the discipline to turn authenticity into strength, and struggle into silent power.


That’s what personal branding really is — not a logo, not a wardrobe upgrade, but a deliberate alignment between who you are and how you appear. It’s your reputation system working even when you aren’t in the room.


When leaders neglect their personal brand, they unknowingly let others write their story. And once that happens, it’s tough to reclaim the narrative.


A strong brand doesn’t just make you “look good.” It builds credibility, attracts collaborations, opens doors faster, and positions you as the trusted choice — in a world overflowing with options.


Every professional who says “enough now” when life gets heavy must realise — strength isn’t just surviving silently. It’s in learning to present that resilience in a way that inspires confidence, opportunity, and respect. That’s how personal brands are born — not from perfection, but from presence with purpose.


I’ve helped over 200 founders, executives, and professionals sharpen their presence to align with their goals — from attracting global investors to leading teams with greater authority. And it always starts with one question: “How are people experiencing you when you’re not in the room?”


If that question makes you pause — that’s your signal to act.


To help you begin, I’ve created a free one-page checklist titled “3 Signs Your Personal Brand Is Holding You Back.” You can get it by sending the word BRAND CHECKLIST via Instagram on @suaveu6 or LinkedIn @Divyaa Advaani or emailing suaveu6@gmail.com with the subject line CHECKLIST.


And if you’d like a more personalised start, you can also book a free 20-minute Brand Audit with me on https://sprect.com/pro/divyaaadvaani. In that call, I’ll give you three practical changes you can implement in the next week to be more visible, credible, and memorable in your industry. Just mention NEWSPAPER AUDIT when you reach out.


Because the truth is — everyone is struggling, but only a few choose to transform that struggle into their signature story.


(The author is a personal branding expert. She has clients from 14+ countries. Views personal.)

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