Four Inflation Must-Dos in 2022 | Build Long-Term Sustainable Wealth

by | Mar 13, 2023 | Invest During Inflation | 29 comments




Four inflation must-dos in 2022 as inflation in USA hits a near 40-year record high – we’ll cover the most important action steps that you need to do NOW around inflation investing, inflation and saving as well as inflation and debt so that you can BEAT inflation. Don’t let inflation beat you.

💸 Inflation explained! This video “Four inflation must-dos in 2022 | Build long-term sustainable wealth” will help answer your most pressing questions around inflation and interest rates, inflation investing strategies and the impact of inflation in stock market prices.

💲 What should you be doing with your extra cash? Should you be trying to time the market and go in at the low points? What about your emergency savings? And fixed and variable rate debt – what should you be doing with those mortgages, student loans and credit card debt?

Inflation 2022 – let’s go through all the inflation must-dos we should have learned from inflation in the 70s as well as other high inflation rate times like the Great Depression, World War II, the dot-com bubble burst and the housing crash of the Great Recession in 2008. Inflation in your face!

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#jenniferlammer #firstgeneration #bonds

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LEARN ABOUT: Investing During Inflation

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Inflation is the persistent increase in prices of goods and services over time, reducing the purchasing power of people’s money. It’s important that you take the necessary steps to protect your investments and build sustainable wealth in 2022.

Here are four inflation must-dos to help you build long-term sustainable wealth:

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1. Diversify Your Investments

One of the best ways of hedging against inflation is through diversification. A well-diversified portfolio should contain a mix of asset classes, such as stocks, bonds, and commodities. Investing in real assets like gold, real estate, and oil can be an excellent hedge against inflation. These investments typically perform well during periods of high inflation since their prices often go up in tandem with increasing inflation levels.

2. Invest in Inflation-Protected Securities

Inflation-protected securities, such as TIPS (Treasury Inflation-Protected Securities), offer a fixed rate of return, adjusted for inflation. The principal amount invested in TIPS increases with inflation, and so does the interest payments. TIPS are suitable for investors who want to preserve their investment capital’s purchasing power over the long run.

3. Consider Alternative Investments

Alternative investments like private equity, hedge funds, venture capital, and art can provide diversification benefits, higher returns, and protection against inflation’s effects on traditional investments. However, alternative investments can be more complex and illiquid than traditional assets, requiring careful consideration of the risks they entail.

4. Reduce Your Debt

Inflation can also impact the value of your debts, making them more expensive to repay over time. Navigating inflation requires a prudent approach to debt management, including reducing your debt burden where possible. You can also consider refinancing your loans to lock in lower interest rates before inflation drives them up.

In conclusion, inflation is a significant risk to any investment portfolio, but there are steps you can take to minimize its impact. By diversifying your investments, investing in inflation-protected securities, considering alternative investments, and reducing your debt, you can build long-term sustainable wealth that can withstand inflation’s possible effects.

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29 Comments

  1. Esra Malakasis

    Hi I’m new here! Cash sitting in moms saving account. I want to invest for her concerned about taxes curious about ibonds and s&p. Social Security is her only income.
    Thank you

  2. dbest47

    Jennifer – more videos to fight Bidenflation please !!

  3. elizabeth muller

    It is December 28, 2022 and I just bought an I bond. I wanted to put $10, 000 for 2022 and in a week put $10,000 for 2023. The 2022 application says February 2023 issue date. I guess that means I can't put another $10,000 in 2023?

  4. Trent Meidinger

    Another excellent video from you! Thank you for sharing your insights. I imagine it's a substantial effort to produce all of your content. If you are open to ideas for future videos, maybe consider one about your views and key considerations for 2023? Again, thanks for all you do!

  5. JOE POLLINO

    I bought an i bond in june 2022 with the 9.6 % yet it now (Dec 1) shows 6.4 %, I thought the higher rate was good for 6 months

  6. Edward Sherman

    What do you think about physical gold/silver assets?

  7. Craig LaMar

    I'm 73. Semi Retired. And just started investing in stock market. I keep hearing "long-term" so I'm curious, what does "long-term" mean? 5 years? 10 years? I understand don't start investing and then pull out of the market. But I have only 5 to 10 years or so to be "in the market". Is that enough to see "long-term" results?

  8. Christine Pagulayan

    I am considering cashing out my kids 529 plans to purchase ibonds. They will be in College in 10 & 13 years. Current performance for these accounts is -20.14% and -21.2%

  9. H B

    Well done video DNE is the cream of the crop!

  10. Dee Mac

    My retirement is in the market and I plan to retire in next 9 months. Do I stay in the market? I put it in a money market because it kept going down.

  11. Matt Manobianco

    Thank you for making these incredibly helpful financial videos! Several minutes into your video, you mention that those already in retirement (like your parents) have been asking you for strategies specific to them. Can you point me in the direction of videos you have made specifically for those already in retirement? Thanks so much for your great work!

  12. Ling Ma

    thanks for another great video, Jenifer, what is the outlook for municipal bonds during inflation / recession? thanks 🙂

  13. Iris

    Thank you!

  14. Ajay Patel

    How S corp can buy Tbond for 6mons or year to earn 3-4% interest? And how taxes work on interest ?

  15. Deb L

    can I max out both simple ira ($14000) and roth ira ($6000)? Does employer match count toward my simple IRA limit which is $14000 in 2022?

  16. Brijesh Kukreja

    Great video! I have been $ cost averaging

  17. David Pitcher

    Jennifer, what is your opinion of gold and silver and other precious metals?

  18. Paul Tran

    Hi Jennifer, I currently have about $50k cash sitting in the bank doing nothing. I already invested $20k in ibond for my wife and I. what else should I invest for the other $30k ? Thanks.

  19. buddy tipton

    Everyone needs to subscribe to your channel. You are most knowledgeable and make it easy to understand.

  20. Christopher Whaley

    Great video. For a beginning investor, what is the best way to get started if I wanted to start with 5k. Certain trading companies, apps, or accounts?

  21. Bob Frazier

    Investment with a 25 year horizon? No thanks. I got out in Feb, too much risk. What do you think about the Treasury's other pre tax investments?

  22. Eddie Wimberly

    Found you when I was looking for help with I Bonds. You are the best I have found hands down. I would like you discuss inflation and investments for those that probably don’t have 20 years to catch up.
    Thanks
    Eddie W

  23. Chetan Negandhi

    Thanks for this video Jennifer. Also watched your Series I bond’s videos and parked $ in it at 9.62% ..

  24. Michelle

    you are AMAZING!!!!

  25. Jake Richardson

    How long do you think the inflationary period will last?

  26. dattatraya waghmode

    Where to park money when inflation is low and interest rate are high, less likely scenario. I would like to know what are the investment venues for different situations – high inflation and high market, high inflation and recession, low inflation, high interest rate and recession etc ? Thank you very much for detailed and really useful information. Your information inspired me to invest into ibond. Thank you very much, keep doing this good work.

  27. Jerry Lance

    I’ll keep my cash in the bank and invest in sp500 after the great Biden collapse which will see the sp500 cut in half. It want be a long wait. He’s half way there.

  28. Malcolm Mar Fan

    Is it safe to assume that your comment that it is better to dollar cost average (DCA) contributions than to make a lump sump contribution is in the specific context of once in a blue moon cash infusion?

    What are your thoughts on DCA vs lump sump front loading your contributions to tax advantaged accounts in the context where the funds are not touched for decades, and the contributions will be front loaded yearly over that time period. Acknowledging that there will be some years that you "timed" poorly, shouldn't the fact that you have more money exposed for a longer period of time, in this context, likely result in an overall higher return? It is sort of like dollar cost averaging your lump sump contributions, on a larger time scale.

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