Inflation, Investing and Retirement (The Most Important Assumption)

When you start your personal retirement planning or investing, you may have some important assumptions about your financial plan. You might think it’s the rate of return on your investment. Or maybe it’s the withdrawal rate you can get during retirement. Another important assumption might be the savings rate you receive during pre-retirement.

Related: Investment Words Everyone Needs To Understand

Although all are important in your investing or personal retirement planning, Blair duQuesnay at The Belle Curve reveals, “There is something else that eclipses each one… the rate of inflation.”

What Is Inflation?

According to Investopedia, inflation is the decline of purchasing power of a currency over time. The rise in the general level of prices, often expressed as a percentage, means that a unit of currency effectively buys less than it did in prior periods.”

Think about it. You’ve seen inflation. The cost of things goes up over time. Remember how much a gallon of gas cost when you started driving? How about the price of a candy bar or a can of soda from a vending machine when you were a kid?

duQuesnay says, “These are the little things. The costs of housing and transportation, two of the largest expenses in a household budget, have also risen. And some costs, such as medical expenses and college tuition, are rising even faster.”

Why Is Inflation Important To You?

“Inflation lowers the buying power of your money. You may live comfortably on $75,000 now, but even in 10 years, (18 years is the average time in retirement), with the current low interest rates, you would need $89,475 to purchase the same things, based on inflation from 2010 to 2020, a cumulative 19.3% rate,” writes Judy Loy in State College.

“Healthcare tends to be a large expense in retirement, and this runs at double the general inflation rate,” she continues.

And as duQuesnay remarks, “Americans are living longer but not necessarily working longer. This means that retirement periods are longer. Retirees today must plan for their portfolio to sustain withdrawals for 20 or 30 years.”

Related: If You’re In Your Sixties Or Retiring, Avoid These Mistakes

The Impossible Dividend Dream

Some investors may have the dream of living on dividends and interest to fund their retirement. Even with interest rates at zero, this is impossible. “Retirees need stock market returns to survive multiple decades without a paycheck. But stocks are volatile, which makes many investors uncomfortable,” observes duQuesnay.

Invest For Growth And Income

Loy says, “One way to battle inflation in retirement is to invest for growth and income in equities. Stocks tend to be a hedge against inflation because corporate earnings grow faster when there is inflation. One of the key mistakes that retirees make is moving their investments too conservatively in retirement, which makes it harder to keep up with inflation.

The best way to fight inflation before and during retirement is by investing to obtain better returns than inflation.”

A robo investment advisor probably won’t point any of this out to you. But having access to the best algorithmic trading software to use in your investing and retirement portfolios mitigates the inflation risk.

At iFlip, they’ve taken machine learning back-end technology and used it to drive and manage your stock investments. Automated trading software is just part of what makes iFlip’s SmartFolios the smartest way to invest in your future.

Unlike humans, SmartFolios never sleep. Machine learning analysis is used to buy, sell and hold your positions based on market risk. 
Worried about having A.I. technology invest for you? iFlip is very transparent about what is in their A.I. SmartFolios and their performance over the last 10 years.

Preserve, Protect And Grow Your Wealth

iFlip’s Smartfolios grow your wealth over time. This isn’t day trading or a get-rich-quick scheme. If you’re ready to protectively grow your wealth, using algorithmic trading software to mitigate your inflation risk, jump over to iFlip.

See how easy it is to set up an account. With several tiers available, you can begin with the best mobile stock app or advance to a Pro account, including Full Specialist Support. 

All fees are transparent and reasonable, so you’ll always know your costs. No hidden fees here!

Let iFlip’s A.I. SmartFolios improve your ability to fight inflation. Empower your investment, allowing it to grow into an enjoyable and well-planned retirement.

Like this article?

The Case For Cash

The Case for Cash   Many people associated investment accounts with being “invested’. After all,...

kelly sikkema zcAgxLryKe4 unsplash

Bear Territory

Dear Flip users  Sadly my accurate prognosticating has continued to be reinforced by the markets....

Leave a Reply

Your email address will not be published. Required fields are marked *

You were referred by

Zero-dollar ($0) commissions are available for self-directed Individual cash or margin brokerage accounts that trade U.S. listed securities via mobile devices and via web interface. To obtain the commission and fee schedule, please see our website at Note that certain Flip Investor Inc. Product features listed are currently in development and will be available in the near future. System execution price, speed, response time, liquidity, market information, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. Some of the information provided show hypothetical results which may or may not represent live performance. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns.  Keep in mind that while diversification and the use of algorithms may help manage risk it does not assure a profit, or protect completely against losses, in a down market. There is always the potential of losing money when you invest in securities, or other financial products.  Investors should consider their investment objectives and risks carefully prior to investing.

Past performance is not indicative of future performance. iFlip data results assembled using various Flip algorithms applied to the equities listed on this webpage (if any). Results compiled for each equity and each algorithm assume a 10,000 initial investment beginning on Jan 1st 2005. All iFlip price assumptions are based on the opening price of each day as found in Yahoo finance. Yearly NAV data points compiled by compounding annual returns using standard year over year accounting. S&P500 results are derived using the SPY as a proxy. The data on this webpage is not intended as a solicitation. Always seek professional advice for suitability.


iFlip Ultimate

iFlip Ultimate is a concierge service product designed for high net worth client or institutions ($1m+ Net Worth). It as not been released yet

Download our new FREE mobile app!

Floating Mobile App
Free AI Circle 6

Upgrade Plan

Free AI Circle 6

Upgrade Plan

Breakout Coming Soon!

Get notified when it's available.

iFlip Spinner


Successfully on waitlist. You will be notified as soon as the breakouts are available.

A.I. Smart Folios Automated Stock Trading

Download our app mobile app to create a free trading account.

Certified Partner Signup

Doug Adams copy

Doug Adams - COO

Doug Adams has more than 30 years of experience as an executive in the IT industry. He has demonstrated success helping companies grow profitably with high degrees of customer satisfaction. 

He has a passion for developing talent and building high performing teams. Most recently as a Senior VP at FusionStorm, he helped grow the company from $440mm to over $1bb in sales and improve profitability 1500% (15x) over 7 years. Prior to that he was at Oracle for 14 years where he served as a Vice President in their North America Consulting Division. 

He had responsibility for a variety of software and technology practices with a team of over 400 consultants. He has also held leadership positions at IBM and Andersen Consulting (Accenture), and holds a BS degree from Cal Poly, San Luis Obispo in Industrial Engineering.

Ed Sweeney

Ed Sweeny - Board Member

Ed Sweeney is a partner and a founder of RCM Alternatives. Previously, he was a Managing Director of Trading at TD Options, LLC, a subsidiary of TD Securities until 2006. 

He is also a founder of Starboard Specialty Funds, LLC. which is an active fund specializing in private and publicly traded bank equities.
He was also a co-founder of a trading technology firm, Ragnarok Systems, and also worked for O’Connor & Associates and at Swiss Bank Corporation as a director of fixed income trading.
Mr. Sweeney graduated with an M.S. and B.S. in Mechanical Engineering from MIT, has a J.D. from John Marshall Law School and holds a Series 7, 24 and 63 licenses.

Karla Dennis

Karla Dennis - Board Member

As seen in Forbes Magazine, Karla Dennis is an expert tax and business strategist. As an enrolled agent, Karla is licensed to represent taxpayers in all 50 states. She holds a Masters in Taxation and Business Development and is the author of two books, Tax Storm and Against the Odds. 

She has been featured in various media outlets such as, KTLA, Forbes, MSNBC, Yahoo! Finance, and SmartMoney marking her the ultimate tax and business expert.

Thomas Shippee Bio

Thomas Shippee - Consulting Board Member

Thomas P. Shippee is a financial services investor and industry expert. His early years he earned a Bachelor’s degree in Economics at Bates College and an MBA at Pepperdine University.   

For the last 35 years he has served in various positions including CEO of Wells Fargo Financial whereupon he oversaw all US and Canadian consumer and commercial business finance operations from Des Moines, IA.  He currently spends his efforts in the consumer financial services industry counseling and working for small privately held businesses.  

David Bay Bio

David Bay - Consulting Board Member

David is a Kentucky native graduating with a degree in Music Education at University of Kentucky and a Masters degree in Education from Xavier University. His early years were spent excelling as band director leading his group to breaking records, honors and 3 straight years of placing in state wide competitions. 

In 1988 David started a new life of entrepreneurship. Since then his natural ability to lead and passion for growing people has stretched him to employ over a hundred employees and operating several businesses over several industries including real estate, heating oil, farm gas, commercial lubricant, consulting, skilled nursing care, convenience store and restaurant business.  

Marc C

Marc Chesley - Consulting Board Member

Marc Chesley is a software industry pioneer with a passion for growing people and companies. He is a recognized innovator and operational leader. As former CTO at Infusionsoft, Marc helped grow the company from startup to over $100mm in revenue. He has led as CEO and President of many fast-growth software companies. 

Marc was recognized as Arizona CIO of the Year by the Phoenix Business Journal and the Arizona Technology Council.  The Society for Information Management awarded him Arizona IT Leader of the Year. He currently works as the COO at Paradox (fast-growing software firm) managing product teams, engineering teams, business development teams and serving as general counsel.


Kelly Korshak - CTO

Kelly attended Stanford and subsequently the University of Chicago and has a graduate degree in mathematics.  He spent 25+ years on Wall Street, investing over $4 Billion assets for institutional banks and funds including Deutsche Bank, Morgan Stanley, Diamondback Capital, Brevan Howard and Tudor Group. 

His strategy to investing is built around the approach that Artificial Intelligence (A.I.) and machine learning algorithms produce superior risk / reward in the stock market.  This A.I. approach led him to retire from Wall Street with his family in Arizona to start up his own company “Flip Investor”.  

His dream is to empower all individuals to grow their wealth through the power of A.I. SmartFolio technology.

Randy Tate

Randy Tate - CEO

Randy spent his earlier years as a successful collegiate athlete and then self-made entrepreneur.  He grew an athletic apparel company to over $5M+ in revenue, then sold it to a publicly traded sporting conglomerate, Sports Chalet. 

For the last 10+ years he has trained thousands of employees and business owners on how to market effectively, grow sales and build sustainable growth in their companies.

His passion for technology led him to one of the fastest growing software companies called Infusionsoft, which peaked with over 150,000 software users.  As the VP of Business Training for customers, he developed and oversaw the expansion of the Elite Business Education curriculum program.

Since then he has led as the co-founder and CEO of iFlip, SAAS Financial Technology Company.  His passion is to empower all individuals to grow their wealth for the future through the use of AI investing technology.