Real Return ની ગણતરી કેવી રીતે કરવી

Real Return શું છે?

Real return adjusts investment gains for inflation to show the actual increase in purchasing power. The Fisher equation is exact; nominal minus inflation is the common approximation.

સૂત્ર

Real return = Nominal return − Inflation rate (simplified); Exact: (1 + Nominal) / (1 + Inflation) − 1

Rnom: Nominal annual return (Percentage)
Rinf: Inflation rate (Percentage)
Rreal: Real return (inflation-adjusted) (Percentage)

પગલું દ્વારા પગલું માર્ગદર્શિકા

1Fisher: Real = (1+Nominal)/(1+Inflation) − 1
2Approximation: Real ≈ Nominal − Inflation
38% nominal at 3% inflation → 4.85% real (not 5%)
4Always compare investments using real returns

Worked Examples

ઇનપુટ

Nominal 8%, inflation 3%

પરિણામ

Real return = (1.08/1.03)−1 = 4.85%

Frequently Asked Questions

Why does inflation matter?

If you earn 5% return but inflation is 3%, real wealth gain is only ~1.9% (not 2%). Over 30 years, that 1.1% difference compounds massively—huge impact on retirement plans.

Can real return be negative?

Yes. If bonds yield 3% and inflation is 4%, real return is −1%. You're losing purchasing power. Cash in high-inflation environment is a store of negative value.

How do I protect against inflation?

Equities historically beat inflation. TIPS (Treasury Inflation-Protected Securities) adjust principal for inflation. Real estate appreciates with inflation. Avoid pure cash/bonds long-term.

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