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Inflation should be a top concern for investors, especially among people facing retirement, says Michael Kresh, a Certified Financial Planner and author of “You Can Afford to Retire.” “When you are trying to accumulate money long-term, you have to try to beat the rate of inflation,” Kresh says.

“That means real (inflation-adjusted) growth in your portfolio, not just nominal growth.” The following are expert tips to help savers balance the desire for financial safety with the need to outpace inflation.