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.

Engagement

Igniting Engagement: The Power8 Way to Drive Business Growth

March 2, 2024
Nitesh Padghan

In today's rapidly changing business landscape, employee engagement is more critical than ever. A disengaged workforce can lead to low productivity, high turnover, and financial losses. On the other hand, companies with engaged employees enjoy unparalleled success – outperforming the competition, generating more revenue, and creating a positive work environment where everyone thrives.

Power8, a leading corporate wellness company, understands the intrinsic link between employee well-being and overall organizational success.  With our new initiative, Power8 Ignite, we're taking employee engagement to the next level.

What is Power8 Ignite?

Power8 Ignite is a comprehensive approach to employee engagement, designed to transform workplaces and ignite a deep  connection between employees and their work. It goes beyond surface-level activities, focusing on what truly matters to employees: feeling valued, appreciated, and inspired to contribute their best.

Why Employee Engagement Matters: The Indian Landscape

Employee engagement in India is a complex and evolving issue. While engagement levels are improving, there is still significant room for growth. A recent study found that only 22% of Indian employees are fully engaged, leaving a vast majority of the workforce operating below peak potential.  This disconnect costs businesses an estimated ₹450-500 billion annually in lost productivity and missed opportunities.

However, the outlook isn't entirely bleak. Organizations that prioritize employee engagement consistently outperform those that don't.  According to global research, highly engaged teams demonstrate:

  • 21% increase in profitability
  • 20-25% boost in productivity
  • 41% decrease in absenteeism
  • 50% higher performance against targets

Clearly, the investment in employee engagement is a worthwhile one.  That's where Power8 Ignite comes in.

The Power8 Ignite Approach

Our approach to engagement is multifaceted and personalized to meet the unique needs of each organization.  Here's what sets Power8 Ignite apart:

  • Strategic Planning: We work with you to design custom engagement initiatives that align with your company culture and goals. No cookie-cutter solutions here!
  • Engaging Content: From expert-led workshops to inspiring talks, we provide content that connects with your employees and sparks their enthusiasm.
  • Seamless Execution: Let us take care of the logistics so you can focus on building relationships with your team.
  • Creative Storytelling: We craft compelling narratives that showcase your company's commitment to employee well-being.
  • Thoughtful Appreciation: We provide unique and personalized ways to express gratitude and make employees feel valued.

Power8 Ignite in Action: Programs and Services

Ignite offers a diverse range of programs and activities that can seamlessly integrate into your workplace, whether it's virtual or in-person. Here's a sample of our offerings:

Power8 Ignite is designed to ignite engagement in ways that resonate. Whether you're looking for online sessions or in-person experiences, we'll work with you to design a program that meets your workforce's needs.  Here's how we bring Ignite to life:

Elevating Knowledge and Skills

Power8 Ignite offers a range of educational programs that empower employees to learn and grow. We partner with industry experts to offer insightful talks on current topics, covering everything from industry trends to personal development. Celebrity speakers share their unique journeys and lessons learned, inspiring employees to strive for greater success. We create opportunities for dynamic exchange by facilitating panel discussions and roundtables, where diverse perspectives illuminate complex issues.  To make learning both informational and entertaining, we incorporate quizzes and games, sparking friendly competition and knowledge retention.

Fostering Wellness from the Inside Out

A sense of well-being is crucial to a truly engaged workforce. Our experiential activities focus on holistic wellness. Nutrition workshops explore healthy eating, while stress-management sessions equip employees with coping mechanisms for a more balanced life. Interactive activities encourage movement and mindfulness, leading to a refreshed and energized team.

Building Connection and Collaboration

Positive team dynamics are at the heart of engagement. Ignite offers team-building challenges designed to foster trust, communication, and creative problem-solving.  These activities aren't just fun – they help teams develop skills that directly translate to workplace success.

Celebrating Well-being Together

We believe well-being extends beyond the workday with our focus on family-focused events. These events create space for employees to connect with their loved ones, fostering a sense of community and shared values. Our wellness flea markets provide a vibrant space for discovering products and services that support well-being, offering a unique experience for employees and their families.

The Power8 Advantage

When you partner with Power8 Ignite, you don't just get a program; you gain a dedicated ally in building a thriving workplace culture.  Our impact speaks for itself:

  • Clients Supported: We've proudly partnered with a vast range of organizations, demonstrating our adaptability and proven success in driving engagement across diverse industries.
  • Lives Touched: Our programs have positively impacted the lives of over 800,000 individuals, emphasizing the far-reaching effect of our engagement initiatives.
  • Programs Conducted: We've delivered over 5000 successful wellness programs, showcasing our experience and expertise in transforming workplaces.
  • Hours of Training: More than 7500 hours of dedicated training delivered, reflecting our commitment to ongoing learning and personal development for your employees.

Let's Ignite Your Workplace

Imagine a workplace where employees arrive each day feeling energized, valued, and excited to contribute. A workplace where collaboration flows effortlessly, problem-solving is fueled by creativity, and achieving business goals goes hand-in-hand with promoting well-being.  That's the power of an engaged workforce, and it's what Power8 Ignite can help you create.

We understand that every organization is unique. That's why we'll partner with you to design a customized Ignite engagement program that seamlessly aligns with your company's culture and goals.

Don't settle for a disengaged workforce. Contact Power8 Ignite today and let's transform your workplace into a thriving hub of productivity, innovation, and well-being.

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.

Join the Wellness Tribe

Join The Tribe

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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