{"id":10861,"date":"2021-08-05T07:20:58","date_gmt":"2021-08-05T11:20:58","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=10861"},"modified":"2025-05-08T02:50:56","modified_gmt":"2025-05-08T06:50:56","slug":"inflation-and-retirement-planning","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/","title":{"rendered":"What Inflation is and How You Can Protect Your Retirement Plan Against It"},"content":{"rendered":"\n<p>Inflation is a cause\nof concern for retirees as it can quickly erode one\u2019s retirement savings,\nleaving you with an insufficient corpus to match your planned retirement\nlifestyle. Moreover, it can also be tricky to account for when planning for\none&#8217;s retirement, as no one can predict the rate of inflation in the future,\nlet alone their retirement years. The money you start saving today may not\nsustain you if the prices of food, healthcare, or fuel rise in the future as a\nresult of inflation. In such a scenario, you risk not meeting your saving goals\nfor your retirement years. Instead, the money you save for retirement needs to\ngrow over time to be able to fight inflation &#8211; that is, return at a rate that\nis more than the decrease in the value due to inflation. <\/p>\n\n\n\n<p>Hence, having a sound\nretirement plan in place is crucial to be able to beat inflation. In this\narticle, we will delve into what inflation is and how you can develop investing\nand saving strategies to ensure your retirement plan can combat inflation. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69ebe148a7f29\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69ebe148a7f29\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#What_is_inflation\" title=\"What is inflation?\">What is inflation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#What_causes_inflation\" title=\"What causes inflation?\">What causes inflation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#What_are_the_effects_of_inflation\" title=\"What are the effects of\ninflation?\">What are the effects of\ninflation?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#US_Inflation_forecast\" title=\"U.S Inflation forecast\">U.S Inflation forecast<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#How_does_inflation_affect_retirement_planning\" title=\"How does inflation\naffect retirement planning?\">How does inflation\naffect retirement planning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#The_importance_of_making_a_retirement_plan_to_sustain_inflation\" title=\"The importance of\nmaking a retirement plan to sustain inflation\">The importance of\nmaking a retirement plan to sustain inflation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#Retirement_strategies_to_protect_your_investments_from_inflation\" title=\"Retirement strategies\nto protect your investments from inflation\">Retirement strategies\nto protect your investments from inflation<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#1_Invest_in_high-return_investments\" title=\"1. Invest in high-return investments\">1. Invest in high-return investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#2_Avoid_retiring_prematurely\" title=\"2. Avoid retiring prematurely\">2. Avoid retiring prematurely<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#3_Assume_a_higher_rate_of_inflation\" title=\"3. Assume a higher rate of inflation\">3. Assume a higher rate of inflation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#4_Stay_invested_for_the_long_term\" title=\"4. Stay invested for the long term\">4. Stay invested for the long term<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#5_Pay_off_your_mortgages_at_the_soonest\" title=\"5. Pay off your mortgages at the soonest\">5. Pay off your mortgages at the soonest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#6_Defer_your_social_security_benefits\" title=\"6. Defer your social security benefits\">6. Defer your social security benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#7_Consider_living_an_active_lifestyle\" title=\"7. Consider living an active lifestyle\">7. Consider living an active lifestyle<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#About_Dash_Investments\" title=\"About Dash Investments\">About Dash Investments<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_inflation\"><\/span><strong>What is inflation?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before understanding\nthe effects of inflation on retirement savings, one needs to understand what it\nmeans and translates to for an average tax-paying citizen. <\/p>\n\n\n\n<p>Inflation is defined\nas a sustained increase in the average cost of goods and services over time.\nThe prices of goods and services used daily like food, fuel, clothing, real\nestate, and other staples rise over time. Measured in percentages, inflation\nalso reflects the purchasing power of a unit of a country&#8217;s currency.<\/p>\n\n\n\n<p>Let us understand\nthis with an example. A 15-ounce bag of chips cost $2.99 in 1990. With\ninflation and rising costs, the manufacturer raised the price of the product\nand shrunk the size of the bag. By 2010, an 11-ounce bag of the same chips cost\n$3.19. <\/p>\n\n\n\n<p>In simpler terms,\nwith rising inflation, it is not only the price of the product that rises but\nalso the purchasing power of money that reduces with it. This implies that you\nwill be able to purchase lesser goods in the future for the same amount of\nmoney as you do now. There is an inversely proportional relationship between\ninflation and purchasing power &#8211; high inflation will lead to a purchasing power\ndipping and vice versa. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_causes_inflation\"><\/span><strong>What causes inflation?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The basic rule of\ndemand and supply drives inflation. With high demand for a good\/service and a\nlimited supply, a gap is created and the commodity&#8217;s prices will skyrocket.<\/p>\n\n\n\n<p>Another factor that\ncauses inflation is the cost-push. This is when companies increase the cost of\na product to remain profitable in the face of rising manufacturing costs.<\/p>\n\n\n\n<p>In monetary\ninflation, money loses its purchasing power. This happens due to an oversupply\nof money in the economy. This makes the value of the currency go down, driving\nthe prices of commodities upward.<\/p>\n\n\n\n<p>Inflation can also\nlead to prices of commodities spiking when a particular currency loses its\nstrength. For instance, crude oil is traded in the international market in US\ndollars. This means that countries have to convert their currencies to American\ndollars to trade oil. If the dollar is stronger, nations need more currency in\ndollar terms, increasing inflation in their countries.&nbsp; <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_effects_of_inflation\"><\/span><strong>What are the effects of\ninflation?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It might look like\ninflation is trouble. But this may not always be the case.<\/p>\n\n\n\n<p>As inflation goes up,\nthe prices of goods and services also soar. As a retiree or someone who is\nnearing retirement, you might find reasons to rejoice in an inflationary market\nif you have invested in commodities or property. However, at the same time, you\nmight also find it to be burdensome due to the extra cost you need to shell out\non a day-to-day basis.<\/p>\n\n\n\n<p>That said, it is\nimportant to note that economists consider controlled inflation signs of a\nhealthy economy. It encourages consumers to spend or invest money and bring\nmoney into circulation in the economy. Inflation becomes a cause for concern\nonly when it increases uncontrollably and threatens to disrupt affordability in\nthe country&#8217;s economy. For instance, uncontrolled inflation in Lebanon over the\npast few years scaled a record high with food prices increasing by as much as\n400%. This is after Lebanon&#8217;s inflation rate increased from 2.9% to 84.9% in\n2020. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US_Inflation_forecast\"><\/span><strong>U.S Inflation forecast<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Inflation in the US\nis determined using the Consumer Price Index (CPI), Producer Price Index (PPI),\nand Personal Consumption Expenditures Price Index (PCEPI). While CPI is used to\nreflect inflation in the cost of goods, services, transportation, and real\nestate, PCEPI covers a broader range of expenditures.<\/p>\n\n\n\n<p>The US inflation rate\nhad been clipped under 2.7% since the last decade. However, the nation\u2019s CPI\nscaled a 13-year high in June 2021 with an inflation of 5.4%. This came on\naccount of sharp demand after some semblance of normalcy was restored in the\ncountry amid vaccine drives against the coronavirus.<\/p>\n\n\n\n<p>This sudden burst in\ninflation is, however, unnerving, especially for those approaching retirement\nage or currently living off their retirement funds.&nbsp; <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_inflation_affect_retirement_planning\"><\/span><strong>How does inflation\naffect retirement planning?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Simply being able to\nearn is not enough. Your money needs to grow over time to be able to fight\ninflation &#8211; that is, return at a rate that is more than the decrease in the\nvalue due to inflation. You do not want to save $100 for your retirement only\nto learn that the same $100 is worth less now or in the future than in the\npast. This is why one must opt for investment instruments that offer a higher\nrate of interest or returns to be able to beat rising inflation.<\/p>\n\n\n\n<p>Inflation can be\ntricky to battle when planning for one&#8217;s retirement. For instance, if you save\nmoney starting today assuming your expenses to be a particular percentage\nduring your retiral years, you may be surprised to learn that prices of food,\nhealthcare, or even fuel have risen 5-10%. In such a scenario, the retiree is\nmost likely to run out of money in their retirement years. No one can predict\ninflation. It is very easy for even the best-laid plans to fail because they\ndid not take inflation into account.<\/p>\n\n\n\n<p><em>No one can predict the future, but it is possible to\nestimate your expenses for the kind of lifestyle you desire, taking into\nconsideration the effect of inflation. Reach out to a financial advisor to help\nyou with creating an effective retirement plan. Connect with qualified\nfinancial fiduciaries using Paladin\u2019s free matching tool. <\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_importance_of_making_a_retirement_plan_to_sustain_inflation\"><\/span><strong>The importance of\nmaking a retirement plan to sustain inflation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Having a sound\nretirement plan in place is crucial to be able to beat inflation. The sooner\nyou start chalking out a retirement plan with an advisor, the sooner you will\nbe able to start a fund that gets more time to earn interest and grow-\nultimately beat inflation.<\/p>\n\n\n\n<p>If one pushes their\nretirement plan to later years, they risk losing the compounding benefit of\nmoney. Compounding helps you accumulate a bigger corpus of money over time.\nThrough compounding, your money earns interest, and your account balance amount\nbecomes the principal amount on which the next interest is earned in the\ninvestment, and so on. Therefore, your money begets money through compounding &#8211;\nprovided it is given the time to grow by investing early and staying invested.<\/p>\n\n\n\n<p>Of course, retirement\nis a long-drawn process, and one needs to consider several aspects before\nzeroing down on one plan. Make sure that you take into account the price change\nfor medicines, healthcare, food, clothing, and basic amenities before you\ndecide on a figure that you need to live your retirement comfortably.<\/p>\n\n\n\n<p>Investing in the\nright schemes is one of the most important things to keep in mind while\nplanning for your retirement. For instance, if an investment gives an interest\nof 4% and the cost of food goes up by 6%, your savings will not be able to\nweather the storm and leave you with a fast-depleting fund.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Retirement_strategies_to_protect_your_investments_from_inflation\"><\/span><strong>Retirement strategies\nto protect your investments from inflation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Invest_in_high-return_investments\"><\/span>1. <strong>Invest in high-return investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Equity market and\nstocks are one\u2019s best bet to beat inflation. Of course, there is a high risk in\nequities, but they have been shown to offer the best return in the long run. It\nis essential to start early so that your funds have more time to grow and so\nyou may have time to correct any mistakes you may make during the journey. Your\nportfolio may need time to weather market fluctuations and grow into a corpus.\nHowever, ensure to check your financial health and assess your risk profile\nbefore you dive into stock investing. You can avoid a lot of risk by investing\nin very strong global companies that have strong balance sheets and good growth\npotential.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Avoid_retiring_prematurely\"><\/span>2. <strong>Avoid retiring prematurely<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While early\nretirement may be enticing, there are benefits to working until the official\nretiring age. This way, you will be able to max out your paychecks that may be\ninflation-adjusted, which translates to a larger corpus and equivalent larger\ncontributions to your retirement funds such as the 401(k) and IRAs. Your\nhealthcare premiums also get an extra few months or years of boost that help\ntowards building wealth. <\/p>\n\n\n\n<p><em>Worried about how to meet the <\/em><a href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/planning-for-rising-healthcare-costs-in-retirement\/\"><strong><em>Rising Healthcare Costs in Retirement?<\/em><\/strong><\/a><strong><em> <\/em><\/strong><em>Read our article on Paladin Registry to understand the\nincrease one may expect in medical expenses as you age and tips on how you can\ngo about planning for such expenses during your retirement.<\/em><s><\/s><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Assume_a_higher_rate_of_inflation\"><\/span>3. <strong>Assume a higher rate of inflation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You don\u2019t want to be\ncaught off-guard; try to plan to brace a high rate of inflation. If the\ninflation is lower in the future, you win with an inflation-proof retirement\nplan that will outlive you. Reach out to a qualified <a href=\"https:\/\/www.wiseradvisor.com\/blog\/financial-advisor-guide\/hiring-a-retirement-advisor\/\">retirement advisor<\/a><a href=\"https:\/\/www.wiseradvisor.com\/blog\/financial-advisor-guide\/hiring-a-retirement-advisor\/\"> <\/a>to assess your financial situation and future\nrequirements to draw up a comprehensive plan. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Stay_invested_for_the_long_term\"><\/span>4. <strong>Stay invested for the long term<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While encashing your\ninvestments when they have quadrupled may look enticing, staying invested for\nthe long run may have more benefits in store for you. Most investment\ninstruments tend to perform well over the longer term when you have given them\nthe time to enlarge. This is one reason, and another being, you will be able to\nsave it for your retirement instead of spending it on the go. That said, an\nexit strategy from investments must be in place even before you make your\nentry. As most millionaires quote, knowing when to exit is what makes a man\nwealthy. If an investment is giving you negative returns, assess it or discuss\nit with your financial advisor and make an informed decision that sits well\nwith your retirement strategy and bodes well for your future. It is also\nimportant to note that short-term capital gains tax is generally charged at a\nhigher rate than long-term capital gains tax. That\u2019s another good reason to\nremain invested if you do not need your money immediately.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Pay_off_your_mortgages_at_the_soonest\"><\/span>5. <strong>Pay off your mortgages at the soonest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>With rising inflation\ncome loans with higher interest rates. Try paying off mortgages before you\nretire. Remember that the worth of your money today is higher than its value in\nthe future because of inflation. You want to capitalize on this and pay as much\nas possible to bring down your debt levels or try to close the loans. When the\ncost of goods and services is higher in the future on the back of higher\ninflation, it may pinch you more to pay your EMIs. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Defer_your_social_security_benefits\"><\/span>6. <strong>Defer your social security benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Social security\nbenefits look attractive when one mulls taking the payments. However, try\ndeferring it as long as you can. Although social security payments are\ninflation-protected, deferring taking payments makes them protected to further\ninflation while the fund grows in your account. Deferring social security\nbenefits may also have a tax advantage. Consult your retirement advisor to\ndiscuss social security withdrawals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Consider_living_an_active_lifestyle\"><\/span>7. <strong>Consider living an active lifestyle<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This one is not\nnecessarily a strategy to save your retirement plan from inflation but helps to\nbuffer your savings through your retirement period. Consider taking small gigs\nlike consulting, freelancing, or working part-time that will help you get a few\nextra dollars into your pocket during your retirement days. This will not only\nhelp towards meeting day-to-day expenses while your retirement fund earns you\ninterest, but it will also help to keep your mind active and sharp that can go\na long way in creating a better lifestyle and minimize health concerns that\ncome with age.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span><strong>Bottom line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Investors must not be\nafraid of inflation; some amount of inflation is healthy. All you need is a\nfoolproof plan to not let inflation get the better of your retirement savings.<\/p>\n\n\n\n<p>While inflation can\nbe a cause of concern, there are several strategies investors can use to stave\noff inflation and give your savings the boost it needs. Most strategies are\neasy to implement, but it is always recommended to consult a retirement advisor\nbefore taking any decisions.<\/p>\n\n\n\n<p><em>Have you taken inflation into consideration? Need help protecting your retirement funds from inflation? Use Paladin Registry&#8217;s free match tool and get connected and get connected with 1-3 professional financial fiduciaries that may be suited to help you. You may set up an interview with the financial advisors before you decide to engage with one.<\/em><\/p>\n\n\n\n<p>To learn more about the most suitable tax-saving strategies for your specific financial requirements, visit&nbsp;Dash Investments&nbsp;or email me directly at&nbsp;<a href=\"mailto:dash@dashinvestments.com\"><strong>dash@dashinvestments.com<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"About_Dash_Investments\"><\/span><strong>About Dash Investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.dashinvestments.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;is privately owned by&nbsp;<a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/jonathan-dash-founder-cio-dash-investments\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Jonathan Dash<\/strong><\/a>&nbsp;and is an independent investment advisory firm, managing private client accounts for individuals and families across America. As a Registered Investment Advisor (RIA) firm with the SEC, they are fiduciaries who put clients\u2019 interests ahead of everything else.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/financial-advisory-firm\/woodland-hills\/california\/dash-investments\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;offers a full range of investment advisory and financial services, which are tailored to each client\u2019s unique needs providing institutional-caliber money management services that are based upon a solid, proven research approach. Additionally, each client receives comprehensive financial planning to ensure they are moving toward their financial goals. CEO &amp; Chief Investment Officer&nbsp;Jonathan Dash&nbsp;has been covered in major business publications such as Barron\u2019s, The Wall Street Journal, and The New York Times as a leader in the investment industry with a track record of creating value for his firm\u2019s clients.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Inflation is a cause of concern for retirees as it can quickly erode one\u2019s retirement savings, leaving you with an insufficient corpus to match your planned retirement lifestyle. Moreover, it can also be tricky to account for when planning for one&#8217;s retirement, as no one can predict the rate of inflation in the future, let alone their retirement years. The money you start saving today may not sustain you if<\/p>\n","protected":false},"author":125,"featured_media":10967,"comment_status":"open","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[],"class_list":["post-10861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Inflation is and How You Can Protect Your Retirement Plan Against It<\/title>\n<meta name=\"description\" content=\"Investors must not be afraid of inflation some amount of inflation is healthy. 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All you need is a foolproof plan to not let inflation get the better of your retirement savings.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-05T11:20:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-08T06:50:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2021\/08\/Retirement-Plan-3.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1\" \/>\n\t<meta property=\"og:image:height\" content=\"1\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Jonathan Dash\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jonathan Dash\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/\",\"name\":\"What Inflation is and How You Can Protect Your Retirement Plan Against It\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/inflation-and-retirement-planning\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2021\/08\/Retirement-Plan-3.webp\",\"datePublished\":\"2021-08-05T11:20:58+00:00\",\"dateModified\":\"2025-05-08T06:50:56+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/fc008d5f3a1f0b2e004f6820656836cd\"},\"description\":\"Investors must not be afraid of inflation some amount of inflation is healthy. 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