# How to Shield Your Nest Egg from Inflation

> Combining inflation hedges like TIPS, gold, REITs and cash protects retirement savings from rising costs.
- Title: How to Shield Your Nest Egg from Inflation · Kiplinger
- Summary: Combining inflation hedges like TIPS, gold, REITs and cash protects retirement savings from rising costs.
- Keywords: inflation, retirement, tips, gold, reits, cash, inflation hedge, interest rates, portfolio, longevity, Kiplinger
- Source: Kiplinger — https://kiplinger.com/personal-finance/how-to-outsmart-rising-costs-and-protect-your-nest-egg
- Published: 2026-11-08T15:00:00+00:00
- Read time: 1 min
- Topics: inflation, retirement, tips, gold, reits, cash, inflation hedge, interest rates, portfolio, longevity
## The Retirement Threat
Rising prices erode purchasing power year after year while longer lifespans mean your money needs to last longer.
## No Single Solution Exists
There isn't a single solution to protect your portfolio from inflation and longevity risks.
## TIPS as Inflation Hedge
Treasury Inflation-Protected Securities adjust for the Consumer Price Index to beat inflation but have tax implications and are sensitive to interest rates.
## Gold and Commodities
Gold and commodities like oil can hedge inflation but may not reflect actual experienced inflation due to market dynamics.
## REITs and Infrastructure
Real estate investment trusts and infrastructure investments like pipelines may rise with inflation but are sensitive to interest rates.
## Cash as Inflation Hedge
High-yield cash instruments produce real returns over time but are vulnerable to rising interest rates.
## Combining Hedges
A prudent approach combines inflation hedges to enhance protection while minimizing exposure to rising interest rates.
## Key takeaway

Using TIPS, gold, REITs and cash together shields retirement savings from inflation without exposing investors to rising interest rates.