{"id":74685,"date":"2023-08-23T00:00:00","date_gmt":"2023-08-23T00:00:00","guid":{"rendered":""},"modified":"2024-01-04T10:13:50","modified_gmt":"2024-01-04T15:13:50","slug":"inflation-and-retirement-planning-4-strategies-to-help-protect-your-financial-future","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-inflation\/inflation-and-retirement-planning-4-strategies-to-help-protect-your-financial-future\/","title":{"rendered":"Inflation and Retirement Planning: 4 Strategies to Help Protect Your Financial Future"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/economy\/\">\n\t\t\t\t\t\t\t<span>Economy<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Inflation and Retirement Planning: 4 Strategies to Help Protect Your Financial Future<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Jacob Henriksen-Willis<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-23T120725.524.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Two grey-haired miniature model figures standing on life-sized spreadsheets\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-23T120725.524.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-23T120725.524.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-08-23T120725.524.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Inflation and Retirement Planning: 4 Strategies to Help Protect Your Financial Future &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-inflation\/inflation-and-retirement-planning-4-strategies-to-help-protect-your-financial-future\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-inflation\/inflation-and-retirement-planning-4-strategies-to-help-protect-your-financial-future\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published August 23, 2023 \u2022 3 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>When inflation rises and the purchasing power of your hard-earned dollars starts to diminish, it&#8217;s common to feel less secure about the future. What will happen to your savings and long-term investments? Are your retirement plans still intact?<\/p>\n\n\n\n<p>Luckily, there are strategies experts suggest to help safeguard finances and navigate a high-inflation economy with more confidence.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consider inflation-protected bonds<\/h2>\n\n\n\n<p>Real-Return Bonds (or RRBs) are bonds issued by the Government of Canada that increase in value during inflationary periods. RRBs are tied to the costs of consumer goods as measured by the <a href=\"https:\/\/www.bankofcanada.ca\/rates\/price-indexes\/cpi\/\" target=\"_blank\" rel=\"noopener\">consumer price index<\/a> (CPI) and adjust their principal and interest payments when inflation rises.<\/p>\n\n\n\n<p>That being said, these bonds may not offer you protection during deflation. Their value typically fluctuates based on interest rates, so when interest rates rise, bond prices will fall. Investing in RRBs isn&#8217;t a risk-free proposition, but they may be a good option to consider if you&#8217;re concerned about a high-inflation economy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Diversify your investment portfolio<\/h3>\n\n\n\n<p>When your investments are spread across multiple \u201casset classes&#8221; \u2014 i.e., stocks, bonds, real estate, commodities, etc. \u2014 you&#8217;re less likely to get burned by one poor-performing asset. Inflation can affect some asset classes more than others, so diversifying your portfolio across multiple classes may offset a decline in one investment with growth or stability in other areas.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Utilize registered retirement accounts<\/h4>\n\n\n\n<p>Registered retirement accounts are savings plans that are formally registered with the government of Canada. Canada&#8217;s most common retirement account is an <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/registered-retirement-savings-plan-rrsp.html#:~:text=An%20RRSP%20is%20a%20retirement,used%20to%20reduce%20your%20tax.\" target=\"_blank\" rel=\"noopener\">RRSP<\/a>, or Registered Retirement Savings Plan.<\/p>\n\n\n\n<p>An RRSP is useful for adding to your savings while reducing taxes \u2014 contributions <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/contributing-a-rrsp-prpp\/contributions-affect-your-rrsp-prpp-deduction-limit.html#whtddctnlmt\" target=\"_blank\" rel=\"noopener\">up to a certain limit<\/a> are deducted from your taxable income in the year of the contribution. You won&#8217;t have to pay any tax when contributing to your RRSP, but tax will be taken from your payments once you start receiving them from this fund. However, as a retired person, you may be in a lower tax bracket than when you were working.<\/p>\n\n\n\n<p>Married couples can use a joint RRSP and save for retirement together, and when it&#8217;s time to receive payments from this account you&#8217;ll be able to split them with your spouse as well.<\/p>\n\n\n\n<p>Another option for a registered retirement account is a TFSA or Tax-Free Savings Account. A TFSA is a more general-purpose savings account. TFSA payments are not tax-deductible: however, you also won&#8217;t have to pay taxes on the money you receive from the account.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Look for dividend-paying stocks<\/h4>\n\n\n\n<p>Dividend stocks come from companies that pay out a portion of their profits (determined by their board of directors) to their shareholders. These payments are received monthly, quarterly or annually and may be paid out in cash or via additional stock in the company.<\/p>\n\n\n\n<p>The amount you get paid per share is a percentage of the company&#8217;s share price, called the &#8220;dividend yield.&#8221; These yields often increase when inflation rises, as companies can manually adjust their dividends to appease their shareholders. Dividend stocks tend to have sustainable and (relatively) predictable returns, which may make them a good option to help you hedge against inflation.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-5a1e68e2-b0ca-4a39-af77-8efbfa3e4563\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Inflation and Retirement Planning: 4 Strategies to Help Protect Your Financial Future &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-inflation\/inflation-and-retirement-planning-4-strategies-to-help-protect-your-financial-future\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-inflation\/inflation-and-retirement-planning-4-strategies-to-help-protect-your-financial-future\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9be3481e-1a5b-423e-99e8-da90d14c6acd\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/economy\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Economy<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/retirement\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Retirement<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Woman typing on a computer while reviewing a financial 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\/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/\">\n\t\t\t\t\t\tUnderstanding Cyber Safety\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/digital-safety-and-scams-how-to-protect-yourself-online\/\" class=\"card-title h4 mar-t-0\">Digital Safety and Scams: How to Protect Yourself Online<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-5a1e68e2-b0ca-4a39-af77-8efbfa3e4563 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-5a1e68e2-b0ca-4a39-af77-8efbfa3e4563 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-9be3481e-1a5b-423e-99e8-da90d14c6acd {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-9be3481e-1a5b-423e-99e8-da90d14c6acd {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Find some peace of mind during inflationary times with these four savings and investment 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