With inflation steadily eroding the value of cash savings, many people are keen to learn how to invest to beat inflation. It’s no secret that the cost of living is rising. Petrol, groceries, utility bills – everything seems to cost more than it did a year ago. And when interest on traditional savings accounts lags behind inflation, your hard-earned money is effectively losing value over time.
At IFA Jones & Co, we understand the importance of making your money work harder. That’s why we help clients across the UK build smart, inflation-conscious investment strategies tailored to their goals, timelines, and risk tolerance. If you’re wondering how to protect your savings and grow your wealth in real terms, you’re in the right place.
Why Inflation Is a Silent Wealth Killer
Inflation may not be as sudden or dramatic as a stock market crash, but over time, it can have a significant impact on your finances. Imagine putting £10,000 into a savings account that pays 2% interest while inflation runs at 5%. After a year, you’ve technically earned £200—but in real terms, the purchasing power of your money has dropped by £300.
That’s why with inflation steadily eroding the value of cash savings, many people are keen to learn how to invest to beat inflation. The good news? There are several proven strategies that can help.
How to Invest to Beat Inflation: Key Strategies
At IFA Jones & Co, we help clients explore a variety of inflation-beating investments. Each comes with its own level of risk and reward, and we work closely with you to find the right combination for your situation.
1. Build a Diversified Portfolio
Building a diversified portfolio is a proven strategy, particularly in times of economic uncertainty. By spreading your investments across different asset classes, you reduce the impact of poor performance in any single area. A well-diversified portfolio might include:
- Equities (shares in companies)
- Real estate
- Commodities (e.g. gold or oil)
- Bonds, including inflation-linked bonds
Diversification doesn’t eliminate risk, but it helps manage it—and improves the chances of long-term positive returns that keep pace with or outstrip inflation.
2. Invest in Equities
Equities, in particular, have historically outpaced inflation over time. While stock markets can be volatile in the short term, they tend to deliver higher returns over the long run. By investing in a broad range of UK and global equities, you give your money greater potential to grow faster than inflation.
At IFA Jones & Co, we help our clients select well-managed funds or portfolios aligned to their individual risk appetite—whether cautious, balanced, or growth-focused.
3. Consider Real Estate and Property Funds
Tangible assets like property can offer both income and capital growth, making them a useful tool for fighting inflation. Rental income can provide a regular yield, while the underlying value of property tends to appreciate over time—especially during inflationary periods.
Whether you’re considering direct buy-to-let investment or indirect exposure via property funds or REITs (Real Estate Investment Trusts), we’ll help you understand the risks, responsibilities, and tax implications.
4. Explore Commodities and Inflation-Linked Bonds
Commodities such as gold have traditionally been viewed as a hedge against inflation. While they may not generate income, they can help preserve value when currencies weaken.
Another option worth considering is inflation-linked bonds, which adjust their returns in line with inflation. These offer lower risk than equities and can play an important role in preserving wealth, especially for those approaching retirement.
With inflation steadily eroding the value of cash savings, many people are keen to learn how to invest to beat inflation, and a mix of equities, property, and inflation-sensitive assets can be a smart way to do so.
Tailoring Your Strategy with IFA Jones & Co
There’s no one-size-fits-all answer when it comes to how to invest to beat inflation. Your age, financial goals, income needs, and tolerance for risk will all shape the right approach. That’s why at IFA Jones & Co, we offer fully personalised, independent financial advice.
We’ll start with a clear conversation about your goals—whether that’s preserving capital, growing wealth, or generating income—and help you build an investment plan that reflects your values and priorities.
Our clients appreciate our:
Independent advice across the whole of the market
Transparent reporting and performance tracking
Ongoing strategy reviews to keep your investments aligned with market changes
Focus on long-term security, not short-term speculation
Ready to Beat Inflation and Grow Your Wealth?
If you’re tired of watching your cash savings slowly lose value, it’s time to take action. With inflation steadily eroding the value of cash savings, many people are keen to learn how to invest to beat inflation—and we’re here to guide you every step of the way.
👉 Get in touch with us today to schedule a no-obligation consultation with one of our experienced financial advisers.
Let us help you make confident, informed investment decisions that not only safeguard your wealth—but help it grow well into the future.
