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Personal Finance


HERE’S WHAT YOU CAN DO TO COUNTER THE 3 I’S AFFECTING RETIREMENT PLANS

Contributor
Russell Strickler, CFP®, AIF Kiplinger

Published
Feb 3, 2022 4:30AM EST

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Inflation rose like a rocket in 2021. Some think the new infrastructure
legislation will add to inflation, and interest rates are likely going up in
2022.

These are the three I’s causing particular concern among retirees and those who
are nearing retirement. What kind of impact could inflation, infrastructure and
interest rates have on their retirement plans?

Mitigating the impact of the three I’s — or finding ways to still come out ahead
— could come down to making adjustments to your plan. Here are some options to
consider:


WAYS TO BLUNT INFLATION’S IMPACT ON YOUR RETIREMENT

The past decade of low inflation made it easy for many to forget the impact
rapidly rising prices can have on everyday life. Most people nearing or in
retirement might remember the high inflationary days of the 1970s and early
1980s. Today, we are reminded daily about inflation when we visit the grocery
store or park at the gas pump. All these increased costs can put a strain on
retirement, especially when you have to draw down on your assets sooner than
anticipated.


 * SEE MORE Factoring Inflation Into Your Retirement Plan

Historically speaking, hard assets like real estate, commodities and stocks tend
to appreciate during times of inflation, which could potentially help those
investors offset the rising costs of goods and services.

 For those who are concerned about the risks that these types of investments
pose, you may want to consider using a bucketing approach that divides your
money into short-term, mid-term and long-term segments.

 * The short-term money (assets needed for everyday expenses and for the next
   two to three years) should be invested more conservatively in such things as
   bank accounts, CDs and short-term bonds.
 * Mid-term buckets include assets not needed for five to 10 years, such as
   longer-term bonds, dividend investments, real estate investment trusts
   (REITs) and fixed annuities.
 * Inflation-hedging assets (consisting of stocks, primarily) are held in the
   longer-term buckets.


INFRASTRUCTURE: LOOK FOR INVESTMENT OPPORTUNITIES

Adding to the inflationary pressures are the effects of the government spending
on infrastructure. The Infrastructure Investment and Jobs Act was signed into
law by President Biden on Nov. 15, 2021. It consists of $1.2 trillion in
spending, which is expected to add to the inflationary pressures as those
dollars make their way through the economy. However, when there is a change, it
also can create new opportunities that didn’t exist previously. There will
likely be industries and specific companies that will benefit from the spending,
and it would be wise to think about who those benefactors may be when evaluating
your investment portfolio.


WITH HIGHER INTEREST RATES, CONSIDER BOND ALTERNATIVES

The Federal Reserve lowered the federal funds rate in December 2008 to between
0% and 0.25% in an effort to stimulate the economy during the Great Recession.
Today we have historically low interest rates, although the Fed has indicated it
will raise rates in 2022 to combat high inflation. If you have a mortgage going
into retirement, you may want to see if it makes sense to refinance before rates
go up. The downward trend on rates in recent years helped raise the value of
bonds, and many retirees use bond funds as a less volatile holding in their
retirement accounts. On the flip side, if rates rise to help calm the
inflationary pressures, it will likely have a negative side effect on bond fund
values.

One thing to consider here would be some alternatives that aren’t as sensitive
to rising interest rates, such as short-terms bonds, Treasury
Inflation-Protected Securities (TIPS), floating rate loans and fixed annuities.
Niche alternatives include life settlements, music royalties and litigation
finance, to name a few. It’s important to understand the various risks these
alternatives may present, so consider discussing them with your financial
planner.

Inflation, government spending on infrastructure and interest rates are things
you can’t control. But with good planning based on learning your options, you
can make the adjustments necessary and possibly prevent these three I’s from
becoming major bumps in your retirement road.



Dan Dunkin contributed to this article.

CFP BOARD OWNS THE CERTIFICATION MARKS CFP® AND CERTIFIED FINANCIAL PLANNER™ IN
THE U.S.”

THIS CONTENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO
SERVE AS THE BASIS FOR FINANCIAL DECISIONS. STRICKLER FINANCIAL GROUP IS AN
INDEPENDENT FINANCIAL SERVICES FIRM THAT UTILIZES A VARIETY OF INVESTMENT AND
INSURANCE PRODUCTS.

INVESTING INVOLVES RISK, INCLUDING THE POTENTIAL LOSS OF PRINCIPAL. ANY
REFERENCES TO [PROTECTION BENEFITS, SAFETY, SECURITY, LIFETIME INCOME, ETC.]
GENERALLY REFER TO FIXED INSURANCE PRODUCTS, NEVER SECURITIES OR INVESTMENT
PRODUCTS. INSURANCE AND ANNUITY PRODUCT GUARANTEES ARE BACKED BY THE FINANCIAL
STRENGTH AND CLAIMS-PAYING ABILITY OF THE ISSUING INSURANCE COMPANY.

SECURITIES OFFERED ONLY BY DULY REGISTERED INDIVIDUALS THROUGH AE FINANCIAL
SERVICES, LLC (AEFS), MEMBER FINRA/SIPC. INVESTMENT ADVISORY SERVICES OFFERED
ONLY BY DULY REGISTERED INDIVIDUALS THROUGH AE WEALTH MANAGEMENT, LLC (AEWM), A
REGISTERED INVESTMENT ADVISER. INSURANCE OFFERED THROUGH STRICKLER FINANCIAL
GROUP. STRICKLER FINANCIAL GROUP IS NOT AN AFFILIATED COMPANY WITH AEFS OR AEWM.
1976560- 1/22.

 * SEE MORE 8 Ways to Insulate Yourself from Inflation

 



The views and opinions expressed herein are the views and opinions of the author
and do not necessarily reflect those of Nasdaq, Inc.


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