Inflation can be useful to those who have debts because the real value of the debt decreases over time. But for the same reason, savers and those who rely on income from savings in retirement can find inflation having a terrible impact on their standard of living.
We advise clients on the impact of inflation and how to reduce its effects either by securing guarantees or taking out investments that offer some protection against it. There is a delicate balancing act to be achieved in weighing up the cost of a guarantee against the risk of investing in assets that have historically protected against inflation.
As with all advice, we consider our clients objectives and risk tolerance, and make sure that they fully understand the pros and cons of a certain course of action before they commit.
Inflation can improve or ruin your financial plans
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Sarah obtained a Masters Degree from Cambridge University in 1986. She worked for Shields Financial Services and Bliss Weinel limited, before joining Ridgefield Financial Services Limited in 1990.