Inflation: The SPOOKIEST Threat to Your Retirement...or is It?
Stay Wealthy Retirement Podcast
Taylor Schulte, CFP®
4.7 • 678 Ratings
🗓️ 26 October 2021
⏱️ 17 minutes
🧾️ Download transcript
Summary
Today I'm talking about inflation.
While inflation has historically averaged ~3%, the most recent CPI report showed an annual rate of 5.4%. 😲
But I'm going to share why that number doesn't tell the whole story.
I'm also sharing how some people are using the recent CPI report to try and scare you before Halloween even starts.
Finally, I'll be providing tips for how retirement investors can improve their portfolios if moderately high inflation persists.
If you want to know what the current inflation numbers mean for your retirement + how to combat this BIG SCARY threat, today's episode is for you.
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Transcript
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| 0:00.0 | Welcome to the StateWalthy podcast. I'm your host, Taylor Schulte, and today, ahead of Halloween weekend, I'm talking about the spookiest threat hanging over your retirement savings. |
| 0:14.3 | Inflation. While inflation has historically averaged around 3% since 1948, the most recent report showed an annual rate |
| 0:23.9 | of inflation of over 5%. |
| 0:26.8 | But I'm going to share why that number is likely being manipulated and how some are using |
| 0:31.9 | this recent above average number to try and scare you before Halloween even starts. I'm also going to share what you |
| 0:39.1 | can do to build protection into your portfolio if we do happen to see moderately high inflation |
| 0:45.9 | persist. So if you want to know what the current inflation numbers mean for your retirement |
| 0:50.7 | and how to combat this big, scary threat to your portfolio, today's episode |
| 0:55.8 | is for you. For all the links and resources mentioned, head over to you staywealthy.com forward |
| 1:00.8 | slash 131. For the last five months, the cost to buy a typical basket of consumer products |
| 1:10.0 | has risen at the fastest pace in 13 years. This, of course to buy a typical basket of consumer products has risen at the fastest pace |
| 1:11.9 | in 13 years. This, of course, is a reference to the Consumer Price Index, or CPI, which |
| 1:18.3 | just came in at 5.4%. And to put that into perspective, the historical average has hovered |
| 1:25.2 | around 3%. And the last time we were above the historical average was in 2011 when CPI hit 3.9%. |
| 1:33.9 | In response to inflation worries, investors have poured about $47 billion into ETFs and mutual |
| 1:41.2 | funds over the last 12 months with inflation safety as their so-called theme. |
| 1:46.5 | That's about $8 billion more than the previous 12-month period. So people are definitely |
| 1:51.7 | playing into some of the recent headlines and reports and proving with their wallets that |
| 1:55.8 | they're more spooked than usual. And the headlines might be continuing for a while. |
| 2:02.4 | Economists say that they anticipate higher than average inflation to continue into 2022, resulting from a number of things like |
| 2:08.2 | supply chain issues, labor shortages, the rise in housing costs and food and pent-up spending |
| 2:13.7 | demand from consumers coming out of the pandemic. Before I share why I think the recent |
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