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

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%