"The Social Security Administration announced a 2.8% cost-of-living adjustment (COLA) for 2026, which will benefit approximately 75 million Americans receiving Social Security and Supplemental Security Income payments. This increase translates to an average monthly boost of about $56 for Social Security retirement beneficiaries starting in January 2026, with SSI recipients seeing their increased payments begin on December 31, 2025. The 2026 COLA of 2.8% represents a slight increase from the 2.5% adjustment in 2025, though it remains below the 3.1% average COLA over the past decade."
"The reality for Boomers and seniors is that a 2.8% increase hardly covers the sticky inflation that continues to hang around the 3% level. For anybody who has been to the grocery store lately and checked out meat prices, they would tell you that $56 per month might barely cover four ribeyes at today's prices. So, what is the best suggestion for Boomers looking to generate more income without risking any principal?"
"We screened our 24/7 Wall St. principal-protected investment database, looking for ideas that pay more than the 2026 COLA increase but are safe and protect investors' hard-earned nest eggs. Five top ideas hit our screens, and all yield more than 2.8% safely. Exchange Traded Treasury Bill Funds (ETFs) Unlike open-end mutual funds, ETFs trade on major exchanges like stocks. They own financial assets, such as stocks, bonds, currencies, and debt, as well as commodities, such as gold bars."
Social Security benefits will receive a 2.8% COLA for 2026, affecting about 75 million Social Security and Supplemental Security Income recipients. The average Social Security retirement beneficiary will see roughly a $56 monthly increase starting January 2026, while SSI increases begin December 31, 2025. The 2.8% adjustment edges up from 2025’s 2.5% but remains below the decade average of 3.1%. Many Boomers and seniors face persistent inflation near 3%, making the $56 boost insufficient for rising grocery and meat prices. A screening of principal-protected investments identified five ideas yielding safely more than 2.8%. Exchange-traded Treasury bill funds provide liquidity, diversified asset exposure, and strong investor demand as a potential option to seek yields above the COLA while protecting principal.
Read at 24/7 Wall St.
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