Boost Retirement Strategies to Outpace Inflation

June 2, 2025

Traditional savings options help protect money from loss, but they may not grow fast enough to keep up with rising prices. Over time, inflation can erode purchasing power, leaving clients with less financial security. 

What’s the Real Cost of Inflation?

The inflation rate was at 2.31% in April 2025.1 At this rate, today’s $100,000 must grow to $112,096 in five years to maintain the same buying power. So, if your client’s savings earn less than this, they may lose purchasing power due to inflation.

Staying Ahead of Inflation With FIAs

A fixed index annuity, or FIA, might be the solution. It helps protect against market losses while offering more growth potential. Here's how two different savings options and a FIA compare over five years:

$100,000 Today in Savings ProductValue in 5 YearsPurchasing Power Change
Money Market Fund (0.46% growth)2$102,321$102,321 - 112,096 = $9,775 loss
1-Year Certificate of Deposit (1.68% growth)2$108,687$108,687 - 112,096 = $3,409 loss
Fixed Indexed Annuity (9% cap)
(Assume Credit of 9% for 3 years, and 0% for 2 years)		$129,503$129,503 - 112,096 = $17,407 gain

The return value predicted for the FIA over five years outpaces both savings options. For clients seeking inflation protection, FIAs can provide both security and growth potential. 

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