Why Inflation-Proof Assets Like Gold and REITs Matter in 2025? The cost of living in India keeps on rising, which is forcing many people to rethink their personal finance management strategies. With the inflation rate in India in 2025 rising up, the value of money goes down.
Which is why assets like gold and REITs (Real Estate Investment Trusts) are useful for many investors in India, because they help with the protection of your savings and even grow your money over time.
Why Inflation is a Big Concern in India
In 2025, the inflation rate of India is expected to stay between 4% to 5% and also the costs of fuel, food, and homes keep on increasing with time. Which is why your money won’t be enough to buy as much as before. So, it’s crucial to find the best inflation-proof investment options to keep up with rising prices.
Why Inflation-Proof Assets Like Gold and REITs Matter in 2025
How Gold Helps Beat Inflation
Gold has always been the most trusted and safest asset in India, not just for tradition, but also for smart money planning for a safe future.
Keeps value over time: When inflation rates are rising, then gold prices usually go up.
Easy to sell: You can easily sell the gold jewellery, digital gold, and even ETFs whenever needed.
Cultural value: Most Indians usually purchase gold during festivals and family functions.
Many experts suggested that if you keep 10 to 15% of your personal finance in gold, then you can earn good returns in the future. Try more safer options like digital gold, gold ETFs, or Sovereign Gold Bonds instead of physical gold.
You can learn more about SGBs and gold investments on the RBI official portal.
Why REITs are Gaining Popularity
Many Indians also prefer to invest in REITs for passive income and investment growth over time.
What are REITs?
REITs usually collect money from multiple people and invest it in commercial properties like offices or shopping malls and then they share the rent which they earn with the investors.
Why choose REITs?
Regular income: With REITs, you can easily earn part of the rent which was collected as dividends.
Inflation protection: As the rent increases with time, your income can also increase with time.
Low starting amount: You can start your investment in REITs with just ₹10,000 to ₹50,000.
Some of the most popular REITs include Embassy, Mindspace, and Brookfield in India, which are all SEBI-registered REITs. So they are safe and honest with the investment.
How to Improve Personal Finance Management in 2025: Simple Steps to Get Started
Tips to Include Inflation-Proof Assets in Your Portfolio
Smart personal finance management means mixing up the old and new method together:
Keep 10% to 15% of your savings in gold and try to go with digital or SGBs.
Invest 10% to 20% in REITs for regular income and diversification.
Make sure to check your portfolio at least once a year.
Don’t always depend on FDs, because after tax deductions, they usually don’t beat inflation.
Final Thoughts
If you only rely on savings accounts or Fixed Deposits, then you might lose money while handling inflation. Which is why the best way to protect your money in 2025 is by introducing gold and REITs in your portfolio. These help you protect your personal finance and grow it over time.
Start by investing small, stay regular with investing, and always keep learning. This is the heart of smart personal finance today.
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