A garment is manufactured by printing an ink including at least five percent of a ceramic by weight onto a first side of a fabric portion to provide a fabric with a ceramic print, the ceramic print covering at least ten percent and less than ninety percent of the inside of the fabric portion, and incorporating the fabric with the ceramic print into a garment with the first side of the fabric portion on an inside of the garment such that the ceramic print is exposed on the inside of the garment. In addition, a garment includes a fabric panel having an inner, user-facing side and an outer side opposite the inner side, and a discontinuous printed layer disposed on the inner side of the fabric panel, the printed layer including a heat retaining material and a binder, where the heat retaining material is present in an amount effective to provide heat retention properties to the fabric panel.