New Jersey
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1,284 New Jersey retirees added inflation protection to their income this year
How It Works
Three simple steps. About 60 seconds to start.
Step 1
Share Your Details
Takes about 60 seconds, no account, no spam.
Step 2
Speak With a Specialist
A licensed specialist in your state calls, no pressure, ever.
Step 3
Get Your Analysis
Personalized to your situation, and 100% free.
Why Inflation Protection Matters
Rising Costs
Healthcare and living expenses increase every year. Your income needs to grow to maintain your lifestyle.
Long Retirements
A 30-year retirement means costs could double. Income that doesn't grow loses half its purchasing power.
Guaranteed Growth
COLA riders and indexed annuities provide contractual income increases regardless of market performance.
Inflation Protection Strategies
Multiple ways to protect your retirement income from inflation
COLA Riders
Income increases annually by a fixed percentage, typically 1-5%. Your payment grows every year regardless of actual inflation.
CPI-Linked Income
Income tied directly to the Consumer Price Index. Your payments increase with actual inflation, providing true purchasing power protection.
Fixed Index Annuities
Accumulation value grows with market indexes, with no losses. Higher account value means higher future income potential.
Deferred Income Strategy
Let your annuity value grow before starting income. A delayed start significantly increases payment amounts to offset future inflation.
Inflation Protection Impact Over Time
See how income grows with 3% COLA rider vs flat income
| Year | Flat Income | 3% COLA Income | Cumulative Benefit |
|---|---|---|---|
| Year 1 | $2,000/mo | $1,750/mo | Lower initially |
| Year 10 | $2,000/mo | $2,285/mo | +$34,200 cumulative |
| Year 20 | $2,000/mo | $3,087/mo | +$125,400 cumulative |
| Year 30 | $2,000/mo | $4,172/mo | +$312,800 cumulative |
Inflation-Protected Annuity Questions
Don't Let Inflation Erode Your Retirement
A licensed specialist shows how to protect your income's purchasing power for decades