Smart Investment Strategies to Stay Ahead of Rising Prices

Inflation has become a top concern for families, retirees, and investors alike. As prices continue to rise, the purchasing power of your dollars decreases—which means your money might not go as far tomorrow as it does today.
But here’s the good news:
With the right financial strategies, you can preserve and even grow your wealth in the face of inflation.
As a seasoned financial advisor at Manna Wealth Management, I’m David Kassir, and I’m here to help you identify the smartest ways to defend your financial future—especially as we head deeper into 2025.
And if you’d like a custom inflation-fighting strategy for your personal finances, contact us directly here.

📈 What Is Inflation (and Why Does It Matter So Much)?

Inflation refers to the general increase in prices over time.
That cup of coffee that cost $2 a few years ago? It might be closer to $4 now. And that’s just the beginning.
Inflation matters because it erodes your money’s value.
$100,000 in the bank today may only be worth $85,000 in purchasing power five years from now if inflation averages 3% annually.
So how do you protect your wealth and beat inflation?
Here are 5 powerful ways to safeguard your money in 2025 and beyond.

💼 1. Invest in Inflation-Linked Bonds (Like TIPS)

Treasury Inflation-Protected Securities (TIPS) are U.S. government bonds designed to keep pace with inflation.
• Their principal adjusts based on changes in the Consumer Price Index (CPI).
• You receive interest payments every 6 months based on the inflation-adjusted principal.
• When the bond matures, you get back the adjusted or original principal, whichever is greater.
✅ Why TIPS work:
They’re one of the most direct hedges against inflation, backed by the U.S. government.
💡 Example: If inflation rises 5% in a year, your TIPS bond’s value also increases 5%, preserving your purchasing power.
Want to know if TIPS are right for your portfolio? Let’s review your options.
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🏘️ 2. Diversify Into Real Estate

Real estate is historically one of the best long-term hedges against inflation.
• As prices go up, so do rents and property values.
• Real estate offers passive income through rental payments.
• Tangible assets like property often retain value better than paper assets during inflationary periods.
🏠 Options include:
• Buying residential or commercial property
• Investing in Real Estate Investment Trusts (REITs), which offer exposure to real estate without owning physical property
💡 Example: A rental property purchased in 2020 for $300,000 could be worth $400,000 or more by 2025, especially in high-growth markets.
Real estate isn’t one-size-fits-all—we can help you assess the risks and rewards.
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🪙 3. Own Commodities and Natural Resources

Commodities—like gold, oil, agriculture, and industrial metals—tend to rise in value when inflation rises.
Here’s why:
• Inflation often reflects higher costs of goods.
• Commodity producers benefit from price surges.
• Commodities are global—so they’re less tied to the performance of the U.S. dollar.
💰 Example investments:
• Gold ETFs or bullion (e.g., SPDR Gold Shares – GLD)
• Broad-based commodity funds
• Energy companies or commodity-producing stocks
✅ Pro Tip: Use commodities as a diversifier—not the core of your portfolio.
Need help selecting which ones fit your risk tolerance? Book a call now.
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🧾 4. Lean Into Stocks That Outpace Inflation

Not all stocks are equal during inflation—but certain sectors tend to perform well when prices are rising.
🔍 Look for:
• Dividend-paying companies with strong balance sheets
• Consumer staples (food, household products)
• Energy and utilities
• Healthcare
• Inflation-resistant tech companies
💡 Example: A company like Procter & Gamble (PG), which produces everyday essentials, can pass rising costs to consumers—protecting its margins and shareholder returns.
📊 Long-term, equities tend to outperform inflation, especially if you’re investing consistently.
Not sure which sectors to target? At Manna Wealth Management, we offer tailored equity portfolios built for times like these.
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🛡️ 5. Rebalance Your Portfolio Strategically

Inflation can disrupt your asset allocation and shift your risk exposure. That’s why rebalancing is crucial.
What to do:
• Review your portfolio mix regularly (at least once per year)
• Adjust your bonds, stocks, and alternative assets to reflect market conditions
• Add inflation-fighting tools like TIPS, commodities, and dividend stocks
💡 Example: A traditional 60/40 portfolio might underperform during inflation. By shifting 10–15% into alternative inflation-resistant assets, you can protect your downside.
Need help with a rebalance? Schedule your review today.
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🚨 Bonus Tip: Watch Your Cash Holdings

Holding too much cash during high inflation is like watching your money melt.
🧊 If inflation is 4%, and your savings account pays 1%, you’re losing 3% purchasing power every year.
💰 Keep enough cash for:
• Emergency fund (3–6 months)
• Short-term goals (under 1 year)
But invest the rest in inflation-aware vehicles.
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📣 Final Thoughts from David Kassir

Inflation isn’t just a buzzword—it’s a real threat to your financial future. But with the right strategy, you can actually turn inflation into an opportunity to grow and diversify.
To recap, the top 5 ways to protect your wealth from inflation in 2025 are:
1. ✅ Invest in TIPS (Treasury Inflation-Protected Securities)
2. ✅ Diversify into real estate and REITs
3. ✅ Own commodities and natural resources
4. ✅ Focus on inflation-beating stocks
5. ✅ Rebalance your portfolio regularly
And don’t let your cash sit idle while your expenses keep rising.
If you’re ready to build an inflation-resilient financial plan, contact me and my team at Manna Wealth Management.
You can also learn more about me here: David Kassir – Manna Wealth Management.
Let’s take your wealth beyond inflation—and into real, lasting growth.