---
title: "Retirees turn to Treasury ladders as inflation erodes budgets"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/287520518.md"
description: "Retirees are turning to multi-year Treasury note ladders for low-risk income as inflation surpasses the 2.8% Social Security increase for 2026. With inflation near 4% and essential costs rising, the yields from these investments may not fully cover their budgets. Experts predict a higher COLA for 2027, but retirees will endure several months of high prices before adjustments are implemented."
datetime: "2026-05-25T10:19:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/287520518.md)
  - [en](https://longbridge.com/en/news/287520518.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/287520518.md)
generator: "portal-rs"
---

# Retirees turn to Treasury ladders as inflation erodes budgets

Inflation outpaces COLA: The 2.8% Social Security increase for 2026 is being eroded by inflation near 4%, with essentials like shelter and food rising faster. Treasury ladder appeal: Retirees are using multi-year Treasury note ladders to generate predictable, low-risk income, though yields may not fully meet target budgets. Relief delayed: Experts forecast a higher 2027 COLA, but retirees face months of elevated prices before adjustments take effect.

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---
> **Disclaimer: This article is for reference only and does not constitute any investment advice.**