Inflation and how you can beat it

Most people think that holding cash is a safe strategy. It feels secure. You can see it, count it, and stack it in your savings account. But the truth is that every year, that cash is quietly losing value. Read on to see why and how you can beat the trend:

 

What Is Inflation Doing to Your Money?

Inflation is the rate at which prices increase and purchasing power falls, meaning your dollars buy less over time. In the U.S., inflation has averaged:

• 7.0% in 2021
• 6.5% in 2022
• 4.1% in 2023
• 3.1% (annualized) as of early 2024

Even at “just” 3% annual inflation, the value of your cash declines by nearly 25% over 10 years.

To visualize it:

• $100,000 in 2010 has the buying bower of about $68,000 today
• $100,000 in 2020 has the buying power of about $85,000 today
• At this pace, your $100,000 today could feel like $75,000 in real value within a decade.

And if inflation spikes again, that erosion accelerates.
 

So Where Do You Hide from Inflation?

The answer isn’t under your mattress or in your bank account - it’s in income-producing, inflation-resilient assets. Historically, one of the most resilient? Real estate debt. Why?

• Real estate-backed loans often come with fixed interest payments that can outpace inflation.
• As property values rise (which often track or beat inflation), the underlying collateral strengthens.
• Investors receive monthly distributions, creating a stream of income that keeps pace with - or exceeds - cost-of-living increases.

Why Real Estate Debt, Not Just Real Estate

Unlike owning property directly (with tenants, toilets, and taxes), investing in first-lien real estate loans through platforms like Finresi offers:

1. Passive exposure to real estate
2. Secured, first-lien protection on the underlying asset
3. Yields of 10–12% annually
4. Short-duration, lower-risk investments
5. Principal protection 

At Finresi, we rigorously underwrite over $500M in loans annually and list only the best-performing deals on our platform. Our LTVs (Loan-to-Value ratios) range from 30–65%, offering strong equity cushions on every investment.

Our track record: 100% principal repaid to date.
 

Holding cash might feel safe - but it’s a guaranteed loser in today’s environment. Instead, put your money to work in high-yield, asset-backed opportunities that grow instead of shrink.

 Discover Finresi’s current offerings and start earning 10–12% annually, backed by real estate.