[dirtdobber]

I'll also add, you definitely shouldn't assume a 2% inflation rate. I would bank on 3.5% or higher in the long run.

[pranitbauva1997]

I never assume a 2% inflation rate. I live in India, so I add/subtract 2% from the government's declared inflation numbers. If the government says inflation is 4%, I will use 6% for assets and 2% for EMIs.

In developed countries, maybe I would add 1-1.5%