| Volatile markets and a slow economy mean that an increasingly large number of investors are opting for instruments having secured returns such as term deposits. But the question every smart investor needs to ask himself is, “Is the weighted growth of my portfolio higher than the rate of inflation?” Seldom do we realise that if our savings grow at a rate lower than inflation, the real value of our savings is actually coming down. In such a case, you need professional guidance to re-align your portfolio keeping in mind your risk appetite, your goals, the rate of inflation and the instruments available. |