In either case, inflation isn't going away, so it's important to ensure your money isn't losing purchasing power over time. Your average savings account won't pay enough in interest to keep up with inflation, but there are plenty of investments that typically will. One is the Schwab U.S. Dividend ETF (SCHD +0.85%), which I eagerly load up on when inflation is climbing. Of course, inflation is often higher than that, but it's nice to know that some of your investments can help offset it. If you're looking to beat or at least offset inflation, you want an investment you don't have to second-guess, and SCHD checks that box.