If the goal is to only beat inflation, which most central banks try to keep around 2%, there are many GIC products where the principal is guaranteed and the int

If the goal is to only beat inflation, which most central banks try to keep around 2%, there are many GIC products where the principal is guaranteed and the interest is slightly over the usual inflation rate. I don't personally use GICs though. If you don't need liquidity in the short term, a balanced portfolio (40% safe, 60% growth) reliably performs much better in the long run.