Holly Mckay
Holly MackayFounder and CEO
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    • Home • Advice • Common questions

    How do I adjust performance figures for inflation?

    31 July 2025

    Question by Boring Money reader

    Just a quick question: when your articles quote net returns (e.g. 5-year high risk average = 55%), are they inflation-adjusted or do we need to discount the return to allow for inflation?

    Answered by Boring Money

    Hi,

    Thanks for your question! No, the net returns we quote in our best performing ready-made solutions series do not account for inflation.

    In order to calculate the inflation-adjusted returns, you can use the following formula:

    Inflation adjusted return = (1+ return / 1 + inflation rate) - 1Inflation adjusted return = (1+ return / 1 + inflation rate) - 1

    Hope this helps!

    Answered by

    Boring Money

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    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    Risk warningAs is always the case with investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.