{
  "id": 8738236,
  "title": "Can Your Retirement Plan Stand Up to Inflation? These 2 Tweaks Might Help.",
  "url": "https://urgent.news/2026/09/20/can-your-retirement-plan-stand-up-to-inflation-these-2-tweaks-might-8738236",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-20T17:38:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/markets/articles/retirement-plan-stand-inflation-2-173800242.html"
  },
  "original_language": "en",
  "account": "Retirement planning can be a complex endeavor, fraught with unexpected challenges. Economic fluctuations, healthcare expenses, and the potential need for long-term care are just a few possible obstacles. One factor that should not be overlooked is inflation, which steadily erodes purchasing power over time. Neglecting inflation can leave retirees with diminished financial security. Two adjustments to retirement plans may aid in mitigating this risk. The first involves maintaining a balanced mix of stocks within one's portfolio. While conservative investors may reduce stock exposure to lower risk, completely withdrawing from the market could result in falling behind inflation, leaving retirees with insufficient funds to sustain their lifestyle. To counteract this, consider investing in an S&P 500 ETF or dividend ETFs that offer steady income streams. Alternatively, Treasury Inflation-Protected Securities (TIPS) and I bonds present viable alternatives. TIPS function as government bonds whose principal value escalates with inflation, ensuring that retirees' purchasing power remains intact. I bonds also offer inflation protection by adjusting their interest rates accordingly. Lastly, delaying Social Security claims can further bolster retirement income. For every year claimed beyond the full retirement age, monthly benefits increase by 8%, up until age 70. Because Social Security benefits are subject to annual cost-of-living adjustments, delaying claims can lead to significantly higher lifetime earnings, bolstering retirement security and providing a buffer against inflation's impact.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 3,
    "also_reported_by": [
      {
        "outlet": "Motley Fool",
        "title": "Can Your Retirement Plan Stand Up to Inflation? These 2 Tweaks Might Help.",
        "url": "https://urgent.news/2026/09/20/can-your-retirement-plan-stand-up-to-inflation-these-2-tweaks-might",
        "published": "2026-09-20T17:18:00.000Z"
      },
      {
        "outlet": "Nasdaq Markets",
        "title": "Can Your Retirement Plan Stand Up to Inflation? These 2 Tweaks Might Help.",
        "url": "https://urgent.news/2026/09/20/can-your-retirement-plan-stand-up-to-inflation-these-2-tweaks-might-8743919",
        "published": "2026-09-20T17:38:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}