Your retirement shouldn’t swing with every headline.
That’s why Trump pushed forward an IRS-approved strategy designed to help Americans safeguard their savings from inflation, market shocks, and Washington chaos.
The 2025 Wealth Protection Guide explains exactly how it works — free for a limited time.
If you believe your retirement deserves protection, don’t just read about it — put your name on the list of Americans choosing to act.
Take one step today: add your name and secure your copy.
A MESSAGE FROM OUR PARTNER
The Numbers That Actually Matter Now
The most useful fact for retirees is simple: real interest rates have turned positive. U.S. inflation sits at 3.0 percent year-over-year, while the 10-year Treasury is expected to hold near 4.1 percent over the next three to twelve months. This spread—roughly 1 percent above inflation—means cash yields are no longer being eroded by rising prices. For savers drawing on retirement accounts, this matters. Higher yields on safe assets like T-bills and money-market funds raise the bar for owning riskier investments.
Where Savers Are Parking Cash
Money-market funds have swollen to a record $7.53 trillion in assets, a sign that many households now prefer safety and liquidity over the hunt for returns. Registered index-linked annuities recorded their strongest quarter ever, with $20.6 billion in sales. These products appeal for different reasons: MMFs offer daily access; RILAs trade liquidity for a promise of income linked to market performance. Neither is perfect. Both have a role if matched to actual needs rather than chased out of fear.
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Risks Hiding in Plain Sight
Household debt reached a record $18.59 trillion in the third quarter, with delinquency rates remaining elevated. Student loans and credit cards show the most stress. For retirees, two risks stand out: if markets fall when you need to sell, you lock in losses; and if your income doesn't keep pace with costs you can't control, the math breaks down. Social Security benefits will rise just 2.8 percent in 2026, while healthcare costs typically outpace that. The gap is real, and it is personal.
Partner Resources:
▶ Why Are So Many Americans Switching to These Cards?
(by FinanceBuzz)
▶ Caught on Camera: A Robot Just Took Its First Step
(by Brownstone Research)
▶ Take a Break From Interest: This Card Offers 0% Into 2027
(by FinanceBuzz)
A Practical Way to Build a Buffer
Three durable principles help make these choices easier without chasing every headline:
Separate near-term cash needs (three to five years) from longer-term assets you can afford to hold through downturns.
Match each tool to its job: money-market funds and short-term bonds for stability; annuity-style products for predictable income; diversification for everything else.
Use simple guardrails—a rebalancing band or a fixed withdrawal rule—to reduce the temptation to panic when markets move against you.
High real rates reward patience and planning more than they reward hope.
Deniss Slinkins,
Global Financial Journal
