Simply invest the money in instruments that offer a rate of return higher than inflation to meet your investment goals. This will ensure the real growth of your wealth in terms of purchasing power. Meaning your wealth will enable you to buy more assets in the future. Once your invested money is generating annual returns which are higher than your cost of living in absolute terms, you have a unique situation where your wealth starts to compound. For example, if your investments generate Rs. 10 lakhs in a year while you only spend Rs. 5 lakhs, the remaining Rs 5 lakhs will be reinvested. The reinvested money will increase your return on investment for the next year, officially increasing your wealth without additional investment from you.