{"id":741,"date":"2022-03-21T11:50:44","date_gmt":"2022-03-21T11:50:44","guid":{"rendered":"https:\/\/new.contentdeployment.co.uk\/quilter\/?p=741"},"modified":"2022-03-21T11:50:47","modified_gmt":"2022-03-21T11:50:47","slug":"inflation-proof-your-savings","status":"publish","type":"post","link":"https:\/\/new.contentdeployment.co.uk\/quilter\/2022\/03\/21\/inflation-proof-your-savings\/","title":{"rendered":"Inflation-proof your savings"},"content":{"rendered":"<div class=\"hd-block hd-block-paragraph\">\n<p><strong>Rising inflation is prompting many of us to think carefully\nbefore spending, but it should also be a trigger to make us consider the impact\non our savings and investments.<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong>The greatest risk to capital<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>In times of rising inflation and low interest rates,\nsticking to cash is a major risk, as the real value of your money will be\neroded over time. Even if you are happy to tie up your money for five years,\nyou\u2019re unlikely to match the current inflation rate.<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong>Diversification is key<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>It\u2019s prudent to keep any emergency funds in cash at the\nbank, but then to consider inflation-beating assets such as the stock market\nfor longer-term investments. Investment products have historically delivered\nbetter returns over the long term, so it\u2019s advisable to consider the options.<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong>Don\u2019t forget the taxman<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>Taking advantage of tax-efficient investments such as ISAs\nor pensions is a simple way to protect investment returns and mitigate the\neffects of inflation.<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong><em>It is\nimportant to take professional advice before making any decision relating to\nyour personal finances. Information within this article is based on our current\nunderstanding and can be subject to change without notice and the accuracy and\ncompleteness of the information cannot be guaranteed. It does not provide\nindividual tailored investment advice and is for guidance only. Some rules may\nvary in different parts of the UK.<\/em><\/strong><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Rising inflation is prompting many of us to think carefully before spending, but it should also be a trigger to make us consider the impact on our savings and investments. The greatest risk to capital In times of rising inflation and low interest rates, sticking to cash is a major risk, as the real value [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[32],"tags":[],"hd_content_source":[],"_links":{"self":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/741"}],"collection":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/comments?post=741"}],"version-history":[{"count":1,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/741\/revisions"}],"predecessor-version":[{"id":743,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/741\/revisions\/743"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/media\/742"}],"wp:attachment":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/media?parent=741"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/categories?post=741"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/tags?post=741"},{"taxonomy":"hd_content_source","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/hd_content_source?post=741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}