What do you mean by savings? Do you mean cash in a Savings Account? If so you don't it's inevitable. But you shouldn't have more than a few percent of your tota

What do you mean by savings? Do you mean cash in a Savings Account? If so you don't it's inevitable. But you shouldn't have more than a few percent of your total net worth in cash anyway. To beat inflation you invest your money, it's that simple. Investing in a SP500 index nets you something like 7-10% per year on average. That includes crashes and bull runs, so on average.