Affluent Savvy
Affluent Savvy
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While the effects of inflation are not easily avoided, several financial planners tell Fortune that there are steps consumers can take to duck the worst effects. Avoid buying a car if you possibly can. ... Grow investments, rather than savings accounts. ... Think about buying more veggies. ... Spend less, if you can.
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Read More »With inflation rates surging at rates not seen in decades, many consumers are wondering how to keep rising prices from negatively affecting their savings and spending habits. Prices on consumer goods and services including food, energy, and housing have been rising for the past few months. They jumped again in November, rising to 6.8% over the previous year, according to the latest consumer price index data released Friday. Along with rising prices this year, there have also been supply-chain bottlenecks and rising consumer demand—all of which can cause real challenges as the average American’s purchasing power degrades over time. While the effects of inflation are not easily avoided, several financial planners tell Fortune that there are steps consumers can take to duck the worst effects.
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The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.
Learn More »One thing that makes inflation particularly difficult for savers is the low-interest-rate environment that the U.S. has been experiencing, says Matt Elliott, a CFP and founder of Minnesota-based Pulse Financial Planning. “Your cash at the bank makes close to no interest, yet prices are increasing on everything you buy. That can cause your purchasing power to degrade over time if you aren’t invested,” Elliott says. He recommends consumers consider investing in a diversified portfolio that includes investments that will go up with inflation, such as Series I savings bonds and Treasury Inflation-Protected Securities (TIPS). I bonds, for example, currently offer an interest rate of 7.12% through April 2022. Yet while the interest rate on Series I bonds is attractive, financial planner Jovan Johnson says investors need to put in the effort to understand how these work and how that can impact their timeline for this money. For instance, investors are generally limited to buying $10,000 worth of I bonds annually per person, and you can’t sell these bonds for at least 12 months. If you redeem them in less than five years, then you’ll forfeit three months of interest, says Johnson, a CFP and owner of Georgia-based Piece of Wealth Planning. “Overall, I believe that I bonds are a very secure and great place to park your money if you don’t need this money for at least one year,” he adds. “Many young people sit with lots of extra cash as they are unsure what to do with it, but that can be harmful now,” says Thomas Kopelman, cofounder of Indiana-based AllStreet Wealth. “You should only have cash for an emergency fund, as well as cash for short-term goals (vacation, down payment of house, etc.), then you need to invest the rest.”
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Learn More »Most consumers, for instance, have noticed grocery bills going up, but much of those cost increases are tied to rising prices for animal-derived products, says Andy Baxley, an Illinois-based CFP with the Planning Center. “Experimenting with plant-based dishes is one way to reduce pain at the checkout counter. I am encouraging folks to get creative with their budgets right now,” he says. Or maybe instead of buying beef, buy chicken. Beef prices have risen 20.9% in the past 12 months, according to the latest consumer price index. Chicken prices increased only 9.2% over the past year, and the cost of other uncooked poultry products, including turkey, is up only 4.6%. Meanwhile, shelf-stable fish and seafood such as canned tuna haven’t seen any increases. “You can research what’s gone up the most over the past year and perhaps buy less of it,” Appel says.
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The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.
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