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Retirement Planning: How rising inflation will affect your savings and what to do?




  • Bank of England is expecting inflation to reach 10% this year. (source: Bank of England)

  • Germany has hit 30-year high at 7.3% inflation. (source: DW)

  • Norway is at 4.5% in March 2022, increasing from 3.7%. (Source: Trade Economics)

  • Sweden has hit 6.3% annual inflation.

  • France: The annual inflation rate in France accelerated to 4.8% in April of 2022, the highest since October of 1985. (Source: Trade Economics)

  • US forecast 8.5% inflation this year, highest since 1981. Over the last 10 years, the cost of living has increased by 31.85%.


How does that affect you?


This means that your money will lose value equal to inflation. For example, if you are in the UK, you are losing 10% on all your investments, savings and salary automatically. You will not see the 10% loss on your bank account but that's what inflation does. It decreases the value of your 1 EUR/GBP/USD. Therefore, your savings must earn more than inflation rate to maintain the value of your money.

Inflation hits your savings invisibly because it increases the cost of living by 10%. For example, if bread costs 1 EUR/GBP/USD it will now cost 1.1 EUR/GBP/USD and will not go down in price the next year, but will only increase from hereon.

Money Helper website shows it in terms of loaves of bread (source: Money Helper)

1970: £1 = 10 loaves of bread

1980: £1 = 3 loaves of bread

1990: £1 = 2 loaves of bread

2020: £1 = 1 loaf of bread


How to protect your financial situation


Although inflation increases prices and cost of living, unfortunately, salaries and investments do not follow the same pace.


For starters, you'll need to make sure that a portion of your savings and investments are placed in fixed income products that earn a fixed return. This can be fixed income products, bonds or other loan and hybrid type funds.

This will provide protection from inflation and market swings that we are currently seeing and are expected in the near future.


Take control of your financial future by protecting your savings and retirement funds.


Available Options


In the current market situation, the 12-month Fixed Income plan provides you the necessary return, protection from inflation and market swings. Fed and European Central bank are warning of market instability over the next quarter.

At 14% p.a. your funds are protected from inflation, you get interest paid out directly to your bank account and you know exactly where you are at financially.


The 12-month short term fixed income plan offers you:

  • 14% interest per year paid out directly to your bank account every quarter

  • Very short term

  • No management or admin fees

  • Not affected by market volatility

  • The plan is provided by a European based company, which is now Finland’s leading provider of firewood, with clients in Norway, Denmark, Sweden, Greece, Ireland, Spain and the Baltics.

  • Renewable energy industry with high demand due to high oil and gas price increase

  • Clients include Shell, Kanava, K-RAUTA, Motoral, Ingarö Fed, Norrort Ved, ICA, Kaminexperten.se, JSP Trading and their network of over 100 end customers.

  • The first eco-certified supplier in Scandinavia

  • Ideal for those who are looking to grow and protect their savings, earn a passive or retirement income

  • The Plan has been running for over over 12 years


To receive the 12-month Fixed Income Plan click here or send us an email at info@crewinvest.net

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