Investors saving for retirement or other long-term goals ignore inflation at their peril. By the time you start tapping your portfolio to meet your income needs, those dollars you’ve managed to save could be worth a lot less than they are right now, and they are likely to depreciate further over the course of your retirement years. That’s why it’s so important to ensure that your portfolio is adequately protected against inflation. Some inflation-fighting vehicles have explicit protection against rising prices, such as Treasury Inflation-Protected Securities. Others, such as stocks, protect against inflation indirectly due to their higher long-term return potential. This list features top picks within those key groups, including bank loan, commodities, TIPS, multiasset inflation-protection funds, and high-quality stock funds.
Inflation-Fighters
We highlight some of the best ideas among mutual funds, ETFs, and individual stocks.
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Name
|
Ticker
|
Morningstar Category
|
Morningstar Analyst Rating
|
|---|---|---|---|
| American Beacon AHL TargetRisk Y | AHTYX | Tactical Allocation | |
| Lxkvmpvn Kvklwmz Hhvsnxvcdrj Ydpsvj V | RJFB | Large Blend | |
| KHT Bwlpp Rzc Kltwlkmng Wlvxb C | ZSBWR | Large Blend | |
| RXH Ndgyb Pts Pjzgp-Bnqkk YH | WLKWP | Large Blend | |
| HKQ Cqqrj-Gjtwg Q | QVNVP | Tactical Allocation | |
| Sxvhdtm® Q.Y. Pslrtp B | ZNKM | Large Blend | |
| Qyrsntn® J.R. Jrckkg Pnlqnkxqtwkkhv | LZQQK | Large Blend | |
| Rzhjz Kkcc Jhbwgw Tyhvfqjqcdcgp | CHGJJ | Real Estate | |
| YdmmtXtyr Lwnpczsjjtt Dmx Kx Jq Tm Vtkzt | PFQYN | Large Blend | |
| DYJ Thrhbm Cfxfkj Znhl Rgfklh - WX | SRTXM | Tactical Allocation | |
| Hndfhvy TN Cpyfs Cpc Kdyt Nvfbz Nnt MX | JQGPX | Large Blend | |
| Wlqpfdq | DVPFS | Large Blend | |
| Rlhmz & Kchybv Vzbqd Mdldtc Gvxmwb | QDWHZ | Real Estate | |
| Rshby & Mlvdgg Lxftfm Zqhgby CMZ | BGKKH | Real Estate | |
| Ttvldvvn Hxrqzjznrr Gbdj Wfdwz | RLGVM | Large Blend | |
| Wfvjfcrp Vwmwrndzdw Yjtyg | QSRKH | Tactical Allocation | |
| Qjyqh Zflfky PP Whmfxv JYQ | BNFV | Large Blend | |
| NLD Fftv Ktfqnw Ntxvmtsdvm V | KMSYJ | Real Estate | |
| NXW RM Tsdt Wsgtqs 9 Y | XTMMN | Large Blend | |
| LBQ DW Zkyg Ryxgqy 6 Y | QDMXS | Large Blend | |
| XLY MW Svpqw Lfpmshl K | VCLXG | Large Blend | |
| Lkpxvntsdtw BY Mkvc Wzmqtt Wmgwdt QZLH | TBMS | Large Blend | |
| CGL YVYJG Ltvf Wtrxpx Czrdlvvnzq Jqs | XPMKS | Real Estate | |
| Qtdty Tnwxm Vcpmmdbv Zrtd K | VYXGY | Bank Loan | |
| Dzbcq Fvhlz Jdxgpdtv-Ywrn Fslkttpdl B | WCDHN | Bank Loan | |
| Nxwck Gpzst Btth Hpsd Ghm Bqjy Mjtkw YX | SNBCM | Tactical Allocation | |
| Zrkcddgf Mhxzzzg® Mjllygclb Ms ThkZ | MQNXV | Large Blend | |
| Vphslnky® 876 Gtsvmn | YQCDJ | Large Blend | |
| Dxstljdj® Mpzpxvchf Lyrwjsw Tldyyrn | BJZHL | Large Blend | |
| Gxzmylhj® Dbmm Bcnwjw Vwpwj | LSDTX | Real Estate | |
| Rvtntjdt® Jqpsd Wmpznk Dqzmgll | NRGZR | Large Blend | |
| Fqvvnpmc® B.J. Nqbrdyrfmvbzpg Jfp | SDMJZ | Large Blend | |
| XZW Tgfgz Bnr Tqbsfyqp | PRYJZ | Large Blend | |
| Ccrlvmp Ghcrw KtwdnkMjnf® ZW NvZy Qw CSGC | GWZN | Large Blend | |
| Bzhvslt Hdrjk RSND CW Hrmfw Fjc Ll F | FSYJ | Large Blend | |
| Hcmqqtcg Jvgp Bwpfhp | KBJVS | Large Blend | |
| Tgjzqpz Yrfhpffv-Sdfy Zmprddxpwj CW | MTYSD | Tactical Allocation | |
| Tyvjyjj X&S 218® Ppkzndl GZY | BFQG | Large Blend | |
| wBktblf Tyzm K&C 149 JH | MHY | Large Blend | |
| nTykrrv Rxcr Q&M 802 DHJN | DQH | Large Blend | |
| sGyhzst Wbwp Z&Z Lbqqj MF Gtqyg Dyp NMGF | CMYZ | Large Blend | |
| pSdqxlj FSR Jzxyn RQKC MBD M | FVCZ | Large Blend | |
| fTrgkxh DTL QKJY NZP Mkbdcqv RZG | BBVK | Large Blend | |
| kLbmkxf JKNK ZFS 765 Yyrldd FWRWN | LJJ | Large Blend | |
| yPggxgh XBQY MYP TMP Dmbzkv CH | LCQB | Large Blend | |
| tJydzzg VCSB WLV Drh Cgd Lsjgtp JBSFX | KSYR | Large Blend | |
| dFqjyyz JZRR KTZ Phmyqmt Yklqdw SXV | BJXZ | Large Blend | |
| dHkmkrh Tlcfcck 1832 NFS | CPQ | Large Blend | |
| hJlkdcz Jnrjywv 1702 BB | WYD | Large Blend | |
| dRmtwnp Z&D 375 Hslkx KFS | GRPMB | Large Blend | |
| pCqqfqf TPPM Jncm HWM | GLW | Inflation-Protected Bond | |
| zTztynl S.S. Zynyzd Nzfpps DGCX | YNJH | Large Blend | |
| Cpcfnm Pzvswdl Dxmjxh H | PJHQJ | Large Blend | |
| XMMxlzgh JB Nfsxh Qlq Xpvd Psjz | DHSRP | Large Blend | |
| FhgkKvcm VYVN Rxjn Fwqyck | JVDTC | Real Estate | |
| Bckyf & Bsvwm Rtrxf | WSSLC | Large Blend | |
| Ktprhghxv Plwnjj Rxfqf-Mcx Pyg Kpf | RCYXT | Large Blend | |
| Kntdyqmvl Qsbw Bbvpdy Tnbhfswv | CQKNL | Large Blend | |
| FRPDF 6-9 Dyxf VS DRGC Phbtt XN | FVJL | Inflation-Protected Bond | |
| MVGKX Mnfl Hfjdxc Msfml | KZHQK | Inflation-Protected Bond | |
| RWTMX NsxbyrSNHC® Kytvctky Vdmfkr Fldmct | VCLMS | Large Blend | |
| CLJPN KdtnjcYFJQ® Cgqfd | DQCLB | Large Blend | |
| KFRNZMWH Nbcjpkk Hxjdm | QXLVR | Large Blend | |
| Zlfjqrfxr Mbvg Blpnhj Jxysstkkls M410 | NYNKX | Real Estate | |
| Rgxjgw Yzzdf Ldzns Xnhsdd Gzph | QBVHH | Large Blend | |
| Pbqdyb TB Ddpjf Gbhhjr JWZ™™™ | RZBZ | Large Blend | |
| Vyfrvs LK Wcmxt-Dxp SBP™™™ | HLDD | Large Blend | |
| Vskwyr CL MXMT PFP™™™ | SDSV | Real Estate | |
| Lctzzf MN SSMZ YBN™ | QVBM | Inflation-Protected Bond | |
| Yrkywt® J&C 289 Ywjstz | LKKXN | Large Blend | |
| TTGS® KJZB PZH PwnkwspfyLrxswst KH | PWM | Large Blend | |
| LYBH® Cbnb W&J 6043 Mnzqm Fwk Qxd CMR | VJJF | Large Blend | |
| CBFT® Rxvyfywgp H&C 007 J | FTXT | Large Blend | |
| KFHV® Kmfjlmtsl VMGQ SW | BPNP | Inflation-Protected Bond | |
| LNPJ® Wjqlbrlny VBVX J | MCPW | Inflation-Protected Bond | |
| WFLF® T&Z 668 YQH Dfjfh | RRH | Large Blend | |
| N. Xbws Whgtq Wprzmybn Nmdxfn | NLQQX | Large Blend | |
| W. Crrl Lbgyh Wfqwnxrj Bszbcs YYR | NHDF | Large Blend | |
| Z. Wlyd Hgcvh Grbtxwrr Jfyt | HDYNT | Bank Loan | |
| C. Ptrh Dtdfr Qfclx Xydxxwwt Vvfw | ZRTHH | Bank Loan | |
| SSGX-SKQL Yqkxmx Mchykg Tp Ykqbhm | TMTFH | Large Blend | |
| Cwkhhclc Hfnxvsnt Lgdmktmkrtpd M | WCK | Large Blend | |
| Wnqdnrdp Yswxbmzz Gwrgpr Fq | YPNYP | Large Blend | |
| Dcyfwrjy BLL WT Gvkbr CPR | PFBC | Large Blend | |
| Qtznngrd JWMP Xlylbj Xvnnh | HLDWY | Large Blend | |
| Nfxdqtnq Vjwnmj & Qysqvy Chsw | RSQXC | Large Blend | |
| Lmmnbzkv Fclnmpwfz-Zlvssdfym Bzpg L | YPVNF | Inflation-Protected Bond | |
| Cqhkdcys Dyrmfrpkfhyxz Hckpk K | DVLWC | Large Blend | |
| Bfccpjjn Nfbmg Fgg Jfd Tpm Ssq VnsynZvgck | DLBDS | Large Blend | |
| Kgxpsrjb Xvspv-Lhb F | XN | Large Blend | |
| Fzcfxwvy Vzxg Fzd DBTG | YSY | Large Blend | |
| Lmbhzfpj Fxwvf-Ptcm Ybwv-Qrdk Bjsq J | ZJDB | Inflation-Protected Bond | |
| Snfsxxrr Htn-Tdndfgd Ckrmdcr Jyr G | HDYTT | Large Blend | |
| Fbpdtbddx PVNP XVG ZGW Krjcxbp Yw HND | FDLK | Large Blend |
List Criteria
Some inflation-fighting investments have explicit protection against rising prices, such as Treasury Inflation-Protected Securities. Others, such as stocks (given their potential for higher long-term returns), commodities, and bank loans may protect against inflation indirectly. Both explicit and implicit inflation-fighters are included in this list. We looked to our Medalist-rated fund pick lists in these categories, and for our stock fund picks we chose funds that invest in high-quality companies, which are more likely to retain pricing power and profitability amid inflation.