You have to pay for safety. On a real basis, after tax, etc, "safe" assets generally lose to inflation(with rare occasional exceptions).
Roughly in order of safety:
- FDIC insured accounts (HYSA, CD's, etc)
- Treasuries(to include I/EE bonds, tips, etc)
- Money Market funds(MMF) (SIPC insured)
- MYGA's (SPIC insured)
- Bank Accounts not FDIC insured, i.e. you went over the FDIC limits.
- Stable Value Funds (SVF)
- Municipal Bonds (not guaranteed, but generally state income tax free)
- Short term bonds
- Medium term bonds
- Long term bonds
- Real Estate(un-leveraged, i.e. no mortgage)
- Preferred Stocks
- Annuities, not SPIC insured
- Leveraged Real Estate (i.e. mortgaged)
FDIC insured accounts, MMF, generally lose to inflation.
Some treasuries should keep up with inflation at least(tips, iBonds, etc) but after taxes, you probably won't.
MYGA's are in the same boat, you might be able to beat inflation, but maybe only barely(and involve lots of insurance paperwork, apparently) and after taxes, doubtful.
Bonds can beat inflation, but there is zero guarantee and for the next decade almost certainly won't.
bonds except for the past 40-ish years have not even kept up with inflation. This is the rare occasional exception, alluded to earlier.
Real Estate will probably keep up with inflation, and if you treat it like a real business, you might even make some money.
Preferred stocks should beat inflation, but takes on considerably more risk than everything else above it, but after taxes you probably can make a little.
Equities should handily beat inflation, risk is obviously higher.
The safer the money, the less people are willing to pay you for it. There is no free lunch.