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Bank deposits may not always be profitable
The article points out that the nominal interest rate on deposits announced by banks does not necessarily reflect the true value of savings after accounting for inflation, taxes, and fees. Even with a high nominal interest rate, the purchasing power of savings can erode if inflation exceeds the declared return, leading to a negative real return. Experts also emphasize that the assessment of deposit investments should be based on the real return, not just the nominal return, especially in high-inflation environments or when there are withdrawal restrictions or exchange rate fluctuations.
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