Inflatieafstemming

Inflatieafstemming, also known as indexation, is a mechanism used to adjust the nominal value of a financial asset, income, or contractual amount to maintain its real value in the face of inflation. Inflation erodes the purchasing power of money, meaning that a given amount of money buys less over time. Inflatieafstemming aims to counteract this effect by increasing the nominal amount in proportion to the rise in the general price level, typically measured by a consumer price index (CPI).

This process ensures that the recipient of the adjusted amount retains the same level of purchasing power they had before inflation occurred. For example, if inflation is 2% in a year, a salary that is inflatieafgestemd will increase by 2% to compensate for the loss in value. Similarly, pensions, social security benefits, rental agreements, and loan repayments can be indexed to inflation.

The specific method and frequency of inflatieafstemming can vary depending on the agreement or regulation. Some adjustments may be made annually, while others might occur more frequently. The index used is also crucial; a widely recognized and representative inflation index is generally preferred to ensure accurate reflection of price changes. While inflatieafstemming protects against the erosion of purchasing power, it can also contribute to inflationary spirals if not managed carefully, as rising costs lead to higher wages and benefits, which in turn can further drive up prices.