Illustration: Colin Daniel

In the past, you have been able to earn inflation-beating returns with relative ease and without taking on too much risk. But the economic environment is changing, and inflation will steadily erode the real value of your capital if you keep the bulk of your money in cash investments. Personal Finance looks at how you can diversify across lower-risk fixed-interest investments and possibly take on some riskier assets in order to earn inflation-beating returns.

Also in our weekend print edition:

* What you need to consider when planning for retirement

* Short-term insurer puts you first with car insurance

Personal Finance is published every Saturday in the Pretoria News Weekend, the Saturday Star, The Independent on Saturday and the Weekend Argus.