New Delhi, April 18 -- I asked ChatGPT a simple question: At 6% inflation, what would Rs.1 crore sitting idle in my savings account be worth after 20 years if I don't invest it?

The answer was baffling.

The AI tool responded, "While the number in my bank account may still show Rs.1 crore, its real purchasing power would shrink drastically. At 6% annual inflation, Rs.1 crore today would be worth only around Rs.31 lakh in today's terms after 20 years." This is if the money sits completely idle on your bank account.

But considering banks provide 3% interest rate on savings account, the purchaing power would be Rs.56-57 lakh, in today's term.

This mean that though I will have the money with me, but what I will lose in the ability to buy t...