By now a lot many people are aware that inflation is a silent killer of your savings and its worth. The value of rupee depreciates with time and though theoretically it can appreciate as well in times of deflation, but that is a utopian thought, going by the data of past few decades. The impact of inflation is such that, for a household consumption worth Rs 10,000 a mere 6 per cent inflation means that the budget would go up by 600 a year later. One may lament that this is not much—which is true, if you have ways to earn more than the inflation rate.