Emotional Wellbeing

Riding the Wave of Inflation: A Guide to Investments

November 11, 2022
Usha Mallya
Riding the Wave of Inflation: A Guide to Investments

Inflation is a long-term pattern of rising prices across the economy yearly. Inflation rates indicate the rate of erosion of the value of an investment over time as well as the loss of purchasing power. Investing in assets requires a return on investment consistent with their living standard. 

To overcome the effects of inflation on your investment, you must have financial planning and knowledge. Here are a few things you should know. 

Inflation: What Causes It?

Inflation occurs when the demand for an item or service exceeds the supply of that good or service. This is referred to as demand-pull inflation, and it causes price increases. 

Inflation is also caused by a rise in the cost of producing products and services. As the cost of manufacturing an item rises, manufacturers raise the selling price in order to achieve or maintain a specified profit. This is referred to as cost-pull inflation.

Here's a chart demonstrating how a lakh's value decreases over time to help you comprehend this better.

‍Inflation: What Causes It?

Financial vs Physical Investment

Physical assets can be felt, seen, touched, or held, such as real estate, precious metals, jewellery, plant and machinery, vehicles, tools, etc. These assets must be maintained, repaired, and upgraded, which can lead to expenses.

An intangible asset, such as shares, bonds, deposits in banks, accounts receivables, goodwill, copyrights, patents, etc., cannot be seen or touched, except for the records proving ownership of the asset, for example, shares, bonds, deposits in banks. The value of financial support does not depreciate or diminish with time. Nevertheless, depending on market conditions, the value of a financial asset can appreciate or depreciate.

Asset Classes and Inflation

The value of liquid assets tends to rise less over time than the value of other types of assets since inflation affects them similarly. Because of this, liquid assets are more susceptible to inflation's effects. The larger economy tends to retain fewer liquid assets when inflation rates are high.

Although illiquid assets can generate interest and grow in value, inflation also affects them. Investing in stocks, bonds, and mutual funds is one of the best ways to protect savings against inflation. In times of high inflation, people often spend their liquid assets on consumer goods or invest them in interest-paying assets.

Systematic Investment in Equity Mutual Funds

Mutual Funds offer a Systematic Investment Plan (SIP), a means of investing a fixed amount at regular intervals, say once a month or once a quarter, instead of making a lump-sum investment. Instalments could be as low as INR 500 per month and are similar to recurring deposits. Moreover, it is convenient since your bank can give you standing instructions to deduct the monthly amount.  

Here are some examples of the power of compounding

‍Systematic Investment in Equity Mutual Funds

Three Golden Rules of Investment

Start Early

It is recommended that you start early in order to gain greater financial wellbeing and to maximise your returns on investment. If you allow your investment portfolio to generate returns over time, your returns will essentially create more returns. In technical terms, this is called compounding, proving that even small investments can accumulate into large sums over time.

Invest Regularly

Regularly investing rather than attempting to time a lump sum investment can help you become a more disciplined investor. Ultimately, you must invest no matter how high or low the price is. As a result, investing becomes less emotional, and you can put your money to work more quickly.

Invest for Long Term

The relationship between volatility and time is an advantage of long-term investing. The volatility of investments held for a more extended period tends to be lower than the volatility of assets held for a shorter period. The longer you invest, the more likely you will survive market downturns.

Investments with their risk vs return potential

Three Golden Rules of Investment

Conclusion

If the returns on an investor's assets are less than the rate of inflation, even if they show profits, they will lose money. Additionally, individuals should ensure that their income increases at least as much as inflation; otherwise, they are technically earning less than they would otherwise and losing financial stability.

Corporate Wellness

Corporate Wellness on a Budget: Creative Ideas for Small Teams

Mohit Sahni
Corporate Wellness on a Budget: Creative Ideas for Small Teams

When we think of corporate wellness, visions of expensive gym memberships or gourmet smoothie bars might come to mind. But let’s get real: small teams and startups often don’t have a wellness budget like Google or Apple. Here’s the good news: you don’t need big bucks to show employees you care. In fact, simple and thoughtful wellness initiatives can have a big impact—often, it’s the small gestures that make people feel most valued.

If you’re ready to create a positive, health-conscious work culture without the luxury price tag, here’s a list of budget-friendly ideas to inspire wellness and build a stronger, happier team.

Why Wellness Matters—Especially for Small Teams

In small teams, every person’s energy and morale shape the atmosphere. There’s no room for disengagement or burnout when everyone’s wearing multiple hats. But when people feel appreciated and supported, they bring their best selves to work—and that positivity becomes contagious.

Wellness doesn’t have to mean a fitness trainer on standby or a catered salad bar. It’s about finding creative ways to support your team’s well-being, helping them feel better at work and in life. So, how can small teams make wellness work without a big budget? Let’s dive in.

Low-Cost Wellness Ideas That Make a Difference

Here are some refreshingly simple ideas that don’t break the bank but can make a real difference.

1. Walking Meetings and Fresh Air Breaks

There’s something about stepping outside that clears the mind and lifts the spirit. Instead of a conference room, try holding meetings on the go. A walk-and-talk meeting gets people moving, wakes everyone up, and lets ideas flow in a new way.

  • How to Make it Happen: Dedicate one meeting a week to be a “walking meeting.” It’s simple and costs nothing, but it brings a little energy to the day.

2. Mini Wellness Challenges

Who doesn’t love a friendly challenge? Wellness challenges can bring fun to the workday while helping people adopt healthy habits. They don’t need to be complex or competitive—just something easy and lighthearted.

  • Challenge Ideas:some text
    • Water Challenge: Track daily water intake and see who can keep up with 8 glasses a day.
    • Step Challenge: Aiming for 8,000–10,000 steps a day is a fun, attainable goal.
    • Screen-Free Lunch: Encourage everyone to take a tech break at lunch. Phones down, heads up!

3. Stretch Breaks for Desk Warriors

Sitting all day does a number on the body, and let’s face it—not everyone has time for a workout. A quick stretch can release tension, refocus the mind, and bring a little calm back to the day. Plus, it’s great to do together!

  • How to Make it Fun: Set an alarm and make it a team ritual. Rotate who leads the stretch—this way, everyone brings their own twist to it!

4. Healthy Snack Sharing

Corporate Wellness on a Budget: Creative Ideas for Small Teams

A whole snack bar may not be realistic, but having a “snack stash” of healthy options can be a welcome treat. Think of it as a small act of kindness that shows employees you’re thinking of them.

  • Budget-Friendly Snack Ideas: Fruit, granola bars, nuts, herbal teas. Nothing fancy, but it goes a long way toward supporting everyone’s energy and focus.

5. Gratitude Practices

This one’s free but oh-so-powerful. Showing appreciation and recognizing efforts creates a positive environment that motivates everyone. Just a few words of encouragement or gratitude each week can have a massive impact on morale.

  • How to Start: Try a “Weekly Shoutout” ritual. Every Friday, gather for a few minutes to share something each person appreciated about a teammate. It’s uplifting and builds team unity.

6. Lunch-and-Learns for Knowledge Sharing

Learning sessions don’t need to be costly. Let your team members share their knowledge, experiences, or even a hobby. A lunch-and-learn is a great way to bond, build new skills, and break the routine.

  • Topics to Consider:some text
    • Financial wellness tips
    • Time management hacks
    • Fun personal interests like photography or cooking

7. Volunteer Together

There’s nothing quite like giving back to create a sense of purpose. Volunteering as a team not only helps the community but also brings people closer. It’s a powerful way to step out of the daily grind and connect with each other in a new way.

  • Ideas to Explore:some text
    • Organize a local park cleanup.
    • Volunteer at a nearby shelter.
    • Host a donation drive for a cause your team cares about.

8. Affordable Wellness Apps

You don’t need a corporate wellness program to support mental health and mindfulness. There are plenty of budget-friendly apps for meditation, fitness, and mental health support that can bring wellness to your team’s fingertips.

  • App Suggestions:some text
    • Headspace for meditation
    • 7-Minute Workout for quick fitness routines
    • Sleep Cycle to improve sleep habits

9. Reflection and Goal Setting

Taking a few minutes to pause and reflect can help everyone feel grounded. Set aside time each week for employees to look back on their achievements and set small goals. It’s a simple, reflective practice that fosters self-care and personal growth.

  • Why It Works: Regular reflection and goal-setting reduce stress and boost motivation, helping employees stay centered even when things get busy.

10. DIY Wellness Kits

Corporate Wellness on a Budget: Creative Ideas for Small Teams

Wellness kits don’t have to be fancy. Consider small, thoughtful items that bring comfort and relaxation, like a mini candle, herbal tea bag, or a journal for reflections. These little gestures make a big impact, showing employees that you care.

  • Kit Ideas:some text
    • A “Calm Kit” with chamomile tea, a mini journal, and a lavender sachet
    • A “Refresh Kit” with a stress ball, some herbal tea, and a small notebook

11. Flexible Work Options

If the work setup allows it, offer some flexibility. A little wiggle room with start and end times or the chance to work remotely on occasion can make a huge difference. Flexibility supports mental wellness by giving employees control over their schedules.

  • How to Implement: Even a half-day remote option can be a game-changer for mental health. If possible, offer one flexible day per month.

12. Growth Resources on the Cheap

Investing in personal development doesn’t have to mean pricey courses. A collection of shared resources—like TED Talks, podcasts, or free online courses—can inspire and support your team’s growth without cost.

  • Examples:some text
    • TED Talks on motivation and mindfulness
    • Podcasts about productivity or mental health
    • Free courses from platforms like Coursera or Khan Academy

Tracking the Impact of Budget-Friendly Wellness

Wellness programs don’t always show results immediately, but a few signs can help gauge their success over time. Keep an eye out for these indicators:

  1. Employee Feedback: Regular check-ins or surveys let you know what’s working and where you can adjust.
  2. Participation Rates: If people are joining in on activities, it’s a good sign they find value in the wellness initiatives.
  3. Team Vibes: Look for positive shifts in morale and energy. When people are more engaged and connected, it often means the wellness culture is working.

Wellness Doesn’t Have to Be Fancy to Be Effective

For small teams, the best wellness programs are the ones that come from the heart. You don’t need extravagant perks to show people you care—sometimes the simplest ideas have the biggest impact. It’s all about creating a supportive, understanding environment where employees feel encouraged, valued, and connected. When people feel good at work, it resonates in everything they do.

Corporate wellness on a budget isn’t just possible; it can be powerful. By focusing on small, thoughtful gestures, you can create a workplace culture that values well-being—and you’ll be amazed at the difference it makes.

Workplace Adaptability

Pivot Like a Pro: How High is Your Business's AQ?

January 5, 2024
Mohit Sahni
Pivot Like a Pro: How High is Your Business's AQ?

In today’s fast-paced world, adaptability isn’t just a buzzword – it’s a survival trait. The concept of an "Adaptability Quotient" (AQ) has gained traction, representing an organization's ability to adjust to changing environments. Unlike the fixed metrics of IQ or EQ, AQ is fluid, evolving with your business. It's about how quickly and effectively your company can pivot in response to new challenges, technologies, and market dynamics.

Forbes highlights that companies with high AQ are more likely to thrive in today’s volatile market. They’re the ones who see change not as a hurdle, but as an opportunity.

Assessing Your Company's AQ

So, how do you measure something as dynamic as adaptability? It starts with a self-assessment. Evaluate how your organization has handled past changes. Were transitions smooth, or did they meet resistance? Did your team demonstrate resilience in the face of adversity?

A Harvard Business Review study suggests considering factors like decision-making speed, innovation frequency, and the ability to abandon old norms. These are the hallmarks of an adaptable enterprise.

Cultivating a Culture of Adaptability

Adaptability starts with culture. It’s about fostering a mindset where change is expected and embraced. This requires leadership to lead by example, encouraging experimentation and learning from failures.

Google’s Project Aristotle revealed that psychological safety plays a critical role in team effectiveness. In an adaptable organization, employees feel safe to voice their opinions, take calculated risks, and contribute new ideas without fear of failure or ridicule.

Leveraging Technology for Enhanced Adaptability

In the realm of adaptability, technology is your ally. The right tech stack can streamline processes, provide valuable data insights, and enable swift responses to market changes. A report by Deloitte emphasizes the importance of digital transformation in increasing AQ.

However, it's not just about having technology; it's about how it's used. Training and upskilling employees to leverage these tools effectively is crucial.

The Engine of Adaptability

Finally, adaptability is fueled by continuous learning. An organization with a high AQ is always learning - from market trends, from competitors, from its own successes and failures.

Investing in employee education and staying abreast of industry developments are key. As per a LinkedIn Learning report, companies that champion learning are more agile and better equipped to adapt to unforeseen challenges.

Embracing Diversity and Inclusion for Greater Adaptability

A diverse and inclusive workforce is a cornerstone of adaptability. Diversity brings a plethora of perspectives, ideas, and problem-solving approaches. An inclusive environment ensures that these diverse voices are heard and valued.

Research by Boston Consulting Group found that companies with more diverse management teams have 19% higher revenues due to innovation. This indicates that diversity is not just good for company culture, but it's also beneficial for business.

Encouraging diversity in your workforce means more than just hiring practices. It's about creating an environment where all employees feel they can contribute their best work. This involves regular training, open communication channels, and policies that support diversity at all levels.

Building an Agile Infrastructure

An organization's infrastructure can significantly impact its adaptability. This includes not just physical infrastructure but also organizational structures and processes. An agile infrastructure is designed to support quick shifts and rapid decision-making.

This might mean adopting flatter organizational structures that facilitate faster communication and decision-making. It could also involve investing in cloud-based systems and tools that allow employees to work flexibly and collaboratively from anywhere.

Moreover, agile infrastructure is about having the ability to scale up or down quickly in response to market demands. This flexibility ensures that your organization can adapt to various scenarios, whether it's a sudden increase in demand or a need to cut costs during slower periods.

Incorporating these additional sections into your article will provide a more comprehensive view of the different facets that contribute to an enterprise's Adaptability Quotient.

The adaptability of your organization is an important indicator of its future success. By assessing your current adaptability, nurturing a culture of openness to change, utilizing technology wisely, and committing to continuous learning, you can enhance your organization's adaptability. In doing so, you position your enterprise not just to survive but to thrive in the ever-changing business landscape.

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This month we are focusing on food and how it affects your mental health. Join us as we bring in the most relevant interesting content from across the wellness segment.

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