When it comes to building wealth, many people assume that keeping their money in a savings account is the safest option. While savings accounts provide stability and liquidity, they do little to protect or grow your wealth over time—especially in an inflationary environment.
As more money is printed and enters circulation, the purchasing power of each dollar declines. Even if your savings account balance stays the same, its real value diminishes over time. Inflation steadily erodes what your money can buy, and with bank interest rates often failing to keep up, simply saving isn’t enough to build or preserve wealth.
For example, with an annual inflation rate of 3%, a $10,000 savings account balance today will only have the equivalent purchasing power of $7,821 in ten years. Meanwhile, the average bank interest rate—often below 1%—fails to keep pace, leading to a net loss in value.
So as you can see, inflation doesn’t just make goods and services more expensive—it actively reduces the real value of your money. While a savings account may seem like a secure place to store wealth, rising prices mean your purchasing power shrinks year after year.
To stay ahead, many investors turn to real estate, which can not only appreciate over time but can also generate passive income that can outpace inflation.
Historically, real estate has outpaced inflation, making it an attractive hedge against rising costs. While appreciation rates vary by location and economic conditions, real estate investments have held intrinsic value due to their essential role in housing, business, and rental income.
Additionally, as inflation rises, the cost of commodities used to build homes—such as lumber, steel, concrete, and copper—also increases, driving up construction expenses. This, in turn, raises the replacement cost of properties, making existing real estate more valuable.
According to data from the Federal Reserve’s Home Price Index, U.S. real estate prices have historically grown at an average rate of 3-5% per year, while inflation has averaged around 2-3% per year over the long term.
Real estate has consistently shown long-term appreciation, often surpassing inflation. As the cost of materials, labor, and land increases, property values rise—allowing investors to preserve and grow their wealth over time.
Example: A home purchased for $250,000 today could be worth $350,000 or more in 10 years, depending on market conditions.
Rental income from real estate properties typically rises with inflation. As the cost of living increases, landlords can adjust rent prices to match market rates. This provides investors with a steady stream of income that keeps up with, or even exceeds, inflation.
Example: A rental property generating $1,500 per month today may bring in $2,500 per month a decade from now.
Real estate is a finite resource—land and properties cannot be easily reproduced like other assets. As inflation increases the cost of construction materials such as lumber, steel, and concrete, the expense of building new homes rises. This makes existing properties more valuable, as replacing them becomes more expensive over time.
Example: If construction costs rise due to inflation, newly built homes become more expensive. This increases demand for existing properties, driving up their value and making real estate a strong hedge against inflation.
For many people, traditional real estate investing requires a significant upfront investment, property management, and taking on a mortgage. However, there’s a modern alternative that makes real estate more accessible—fractional real estate investing.
With Realbricks, you can buy shares of individual properties rather than purchasing an entire home. This means you don’t need a mortgage, large down payment, or property management experience to start investing in real estate. Instead, you benefit from property appreciation and an estimated 6% dividend yield from rental income—all with as little as $100 to get started.
With inflation eroding the value of savings, the urgency to invest in assets like real estate—which can keep pace with or even outstrip inflation—has never been clearer.
In fact, Investopedia notes that real estate income is among the best ways to hedge an investment portfolio against inflation, as property values and rental income tend to rise alongside inflation. Traditional savings accounts may feel secure, but they don’t grow your wealth. Real estate offers an opportunity to preserve and expand your purchasing power over time.
Instead of watching inflation diminish your savings, take action and start investing in real estate.
With Realbricks, you can start with just $100, earning rental income and benefiting from long-term property appreciation—all without the headaches of property management.
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Disclaimer: Investing in real estate involves risks, including the potential loss of capital. This content is for informational purposes only and is not intended as investment advice. Investors should perform their own research and consult with financial professionals before making investment decisions.
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