💹 Module 5: निवेश (Investment) की दुनिया में प्रवेश

📊 Inflation vs Investment Growth Chart

यहाँ मैं आपके के लिए एक Inflation vs Investment Growth Chart दे रहा हूँ

Assumption:

  • Initial Investment = ₹1,00,000

  • Inflation Rate = 6% p.a.

  • Investment Returns:

    • FD / RD: 5% p.a.
    • Equity Mutual Fund: 12% p.a.

Value of ₹1,00,000 in 10 Years (Approx)

Year Inflation @6% (Purchasing Power) FD @5% Equity MF @12%
0 ₹1,00,000 ₹1,00,000 ₹1,00,000
1 ₹94,340 ₹1,05,000 ₹1,12,000
3 ₹83,960 ₹1,15,760 ₹1,40,490
5 ₹74,730 ₹1,27,630 ₹1,76,230
7 ₹66,490 ₹1,40,710 ₹2,21,000
10 ₹55,840 ₹1,62,890 ₹3,10,580

Key Insights

  • Inflation हर साल आपके पैसों की value घटा देती है
  • FD/RD return inflation से थोड़ा ही ऊपर है → Real gain ≈ 0%
  • Equity (Long-term) inflation को comfortably beat करता है

Visual Representation (Text-based)

₹3,50,000 |                    
          |                    
          |                    
₹3,00,000 |                █ Equity MF (12%)
          |                    
₹2,50,000 |                    
          |                    
₹2,00,000 |          █      
          |                    
₹1,50,000 |    █  FD (5%)     
          |                    
₹1,00,000 | █ Inflation (6%)
          |_____________________________
               0Y    5Y    10Y

✅ Conclusion

  • Inflation silently आपके पैसों को खा जाती है
  • FD से barely बचाव होता है
  • Long-term equity investment inflation को beat करके wealth create करता है