Hi guys, I’m back with another timely topic that will help you make or break your life. We all like to be wealthy. The first thing that comes to our mind to become rich is to save more and more money for future use, cutting down unnecessary consumption. Isn’t it? But, do you really think this time is the best time to save your money? I don’t interfere with your decision; you can make the final call after reading this article. Hope this piece of work will help you make an informed decision on your savings and to know why 2022 is not good for savers.
WARNING! This will be a bit of a boring article for those who hate number crunching. Nevertheless, you will be informative even to guide your colleagues for the betterment. Anyways guys, read this and thank me later.
Let’s explore reality together…
I guess no offence if I say Covid 19 pandemic not only hit our health but always our finance. This global pandemic made everyone feel miserable and adapt to a lifestyle we had not faced before. Lockdowns, Face Masks, Work from Home Policies are entirely new concepts for some nations. But, be glad to God because we are still surviving with all this crap… Getting infected with Covid 19 has become a new normal, and five years down the line, it will be a super-duper normal disease like a usual cough or cold with the invert of new medicine for it…
But guys, how will we find solutions for the financial burdens we are suffering right now?? Expenses are going above the roof with the rising inflation. Here is how inflation has been moving throughout the past few years…
Source: Federal Reserve Bank of Minneapolis
Now you must be wondering whether there is a real impact on inflation on your savings. One must be thinking I have bonkers to relate savings to inflation. So let’s see how this will affect your savings big time.
Let me make your life easier by explaining this to you with a simple example. Imagine you have got $10 000 with you, and you keep that inside your locker to use it 20 years from now. Will that money is able to buy as much 20 years into the future?? Here is a big NO to this question because inflation will swallow up your purchasing power.
One might argue that this won’t happen if you keep it in a bank as you are paid with interest over time. Of course, yes, you can balance out the effects of inflation from the interest you earn, but which guarantee you get that it will entirely cover the loss incurred due to inflation. So there is risk involved in bank savings owing to inflation.
This applies to all other investments as well. The below graph shows how real interest rates have diminished over time.
The yield on inflation-protected treasury bonds
*Recessions are indicated by grey colour
Source: Federal Reserve
Looking at this, you have got two options…
Option # 1
You can invest in safe assets, but the return on investment will be low due to less purchasing low.
Option # 2
You can also invest in risky assets, which gives you a high return on investment as long as you are lucky enough to be away from negative market sentiments.
If you prefer to follow option # 2, I must say that you have a great gut to take that risk, even to lose your entire invested money.
Having said the dark side of inflation, now let me tell you the bright side of it as well. The main reason why I did not want to say this first is that inflation is not really a good thing, so I don’t want to promote that by saying the good first.
However, inflation rising over interest rates is good if you borrow money at a fixed rate to build a house, buy a machine, or expand your business’s premises that will reap you an income over the years.
But if you need liquid cash in another five years down the line to pay donations for your kid’s school or anything better to keep that money saved in a bank with less or zero interest.
If banks offer you low-interest rates, where should you invest money this time? Because just keeping money with you doesn’t sound any good unless you need it immediately. Here are some top five places where you can invest your cash…
- High-yield savings account
- Certificates of Deposit
- Government bond funds
- Short-term corporate bond funds
- Municipal bond funds
But none of the above financial instruments guarantees 100% inflation cover on the purchasing power.
On the other hand, according to some economists, safe investments which yield a poor return on investments are sky-high real estate, meme stocks, cryptocurrency values. During Covid 19 pandemic, Americans have gathered trillions of Dollars in extra savings. This has made them invest in various assets, resulting in asset prices going up and expected returns going down.
However, officials at Federal Reserve wishes to maintain an easy monetary policy for two main reasons;
- To bring the American job market back to full employment.
- To establish credibility that the 2% inflation is symmetric meaning it won’t affect even if prices go up.
Another reason interest rates have gone down is due to certain demographic factors such as lower fertility and longer life expectancy. As people age, the critical mechanism is to store increasing assets, particularly safe ones, and then spend those savings slowly until they retire.
In this article, I have discussed why and what has made you not to save at this time in detail. Hope this article will be helpful to you when creating your savings decisions. The best is to invest in an asset that will bring you economic benefits into the future. Thereby, you can earn a good return on investment when everything gets back to normal.
See you soon with another informative yet easy-to-grab article…
I would like to thnkx for the efforts you have put in writing this blog. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.
Very efficiently written post. It will be beneficial to anyone who employess it, including myself. Keep doing what you are doing – for sure i will check out more posts.
zanaflex capsules 4mg
order diflucan online uk
lasix 500 mg tablet price
buy stromectol canada
effexor 375 mg
plavix 75 mg price in india
can i buy 40mg doxycycline online
phenergan tablets 10 mg
buy phenergan 10mg online
voltaren 150 mg
10mg buspar
synthroid online canada
how to get real viagra online
viagra buy online
buy cheap sildenafil online uk
zoloft brand name cost
cephalexin medication
canada pharmacy glucophage
avodart prescription uk
lexapro 10 mg for sale
amoxicillin 800 mg price
diflucan tablet
darknet drug store best darknet markets
albendazole generic price
budesonide 3 mg cap
tor market darknet market lists
deep web drug url dark market url
dark web links dark markets
dark web link dark market
darknet drug market darknet websites
darkmarket list dark market url
dark market 2022 tor market url
darkmarkets darknet market lists
dark markets 2022 darkmarket list
tor markets 2022 dark web drug marketplace
dark market onion darknet market
dark web market deep web drug markets
darknet market links tor markets
onion market dark web markets
darkmarket url best darknet markets
dark web market tor market
dark web links dark market onion
dark web markets darknet drug market
dark market 2022 darkweb marketplace
darknet market list darkmarket list
deep web drug markets tor market links
dark web markets dark market
darknet drug links deep web drug markets
darkmarket 2022 darknet drug market
darknet market list deep web drug links
darknet market list darkmarket
darknet marketplace tor markets 2022
darknet market darkmarkets
dark markets 2022 deep web drug links
dark market dark web sites
dark web link tor market links
darknet drug links darkmarkets
tor markets links drug markets dark web
tor markets 2022 deep web drug url
dark web link darkmarket list
tor markets 2022 dark market
tor markets 2022 darkweb marketplace
dark web links tor dark web
dark market dark market url
darknet drug market tor market links
tor markets best darknet markets
dark web link bitcoin dark web
darknet drug store darknet marketplace
darknet websites darknet websites
darknet market links best darknet markets
darknet market tor dark web
best darknet markets deep web markets
darknet market lists tor markets
deep web drug links darknet market links
darkmarket list dark web drug marketplace
tor darknet darknet websites
dark market list dark web market links
tor market url dark market
darknet drug market tor markets
tor market url tor markets links
dark market list tor markets links
tor market links tor markets
darkmarket url deep web drug url
dark web link tor marketplace
tor darknet tor markets
darkmarket url tor dark web
darknet drug market dark web link
drug markets dark web best darknet markets
darknet market lists best darknet markets
deep web drug markets dark web links
tor market tor darknet
how much is cozaar
tor markets darkmarket url
tor market best darknet markets
darkweb marketplace darknet marketplace
tor dark web tor marketplace
darknet drug store best darknet markets
deep web markets darknet markets
dark web market list drug markets dark web
darknet market list darkweb marketplace
deep web drug store best darknet markets
darknet market tor marketplace
darknet websites darkmarket 2022
dark market bitcoin dark web
dark web sites drug markets dark web
darkweb marketplace dark markets
darknet market deep web drug url
dark market list dark web market
darknet drug store dark market link
darkweb marketplace tor market
darkmarket 2022 drug markets dark web
darkmarket darknet websites
dark web links tor market links
darkmarket 2022 best darknet markets
dark market onion dark web markets
darknet marketplace darknet drug links
dark web market list darknet drug store
dark web links tor markets
darknet drug store darkmarkets
deep web drug store darkmarket link
dark markets 2022 darknet websites
tor market links dark web links
darkmarkets bitcoin dark web
dark market 2022 darknet drug links
dark web drug marketplace darkmarket list
dark web market dark market
darknet markets darkmarkets
darknet marketplace tor marketplace
darknet market list tor darknet
dark market onion tor markets
drug markets onion darknet drug store
darknet marketplace darknet markets
best darknet markets deep web drug url
darknet marketplace darknet marketplace
tor market deep web drug store
dark web sites tor marketplace
darkmarket 2022 dark web link
onion market drug markets dark web
darkmarket 2022 tor marketplace
onion market dark web link
darknet market links dark market onion
dark web drug marketplace dark markets
tor market links deep web drug url
drug markets onion deep web drug markets
dark market url dark market list
tor marketplace tor market links
darknet websites dark market
tor markets 2022 tor markets 2022
dark market list dark web market
dark web links tor markets links
dark market darkmarket 2022
dark web link dark market link
tor market links dark market url
deep web drug links darknet market links
drug markets dark web dark market list
dark market url dark markets 2022
deep web drug markets darkmarket
dark web links darknet drug links
dark web sites darknet markets
deep web markets dark web link
darkmarket tor dark web
bitcoin dark web darknet market
dark web markets darkmarket url
dark markets darkmarket
darkmarket 2022 dark web sites
dark market 2022 drug markets onion
darkmarket url tor market links
deep web markets tor dark web
tor darknet tor markets links
darknet websites drug markets onion
darkmarket 2022 darkmarket
tor marketplace darkmarket url
tor marketplace darknet drug store
dark web link darkmarket url
darknet markets deep web drug links
drug markets onion deep web drug markets
dark market onion darknet market list
darknet market lists tor market url
dark market list darknet drug store
darkmarket 2022 dark web drug marketplace
darknet market links dark markets 2022
darkmarkets tor markets
tor markets 2022 onion market
darkmarket list drug markets onion
darknet marketplace darknet market list
dark market dark web sites
dark web market list tor darknet
tor darknet darknet markets
darkmarket 2022 tor markets links
dark markets tor dark web
deep web drug store dark market 2022
darkmarket url bitcoin dark web
dark markets 2022 darknet drug links
darkmarket url darkmarket url
tor marketplace dark web links
dark web links darknet market links
darknet drug links dark web links
deep web markets darknet drug market
onion market dark web market list
dark market onion deep web markets
tor market darkmarkets
darkmarket dark market list
dark markets tor darknet
dark market link darknet markets
darknet drug market tor markets 2022
darkmarket link darknet market lists
dark market list dark market 2022
darkweb marketplace drug markets dark web
darknet market list tor markets links
dark market list dark web market list
darkweb marketplace tor marketplace
darknet websites dark market link
onion market darknet market list
onion market dark web links
darknet drug market tor dark web
dark market url tor market url
darkmarkets onion market
darkmarket 2022 dark markets
darkmarket link darknet market links
dark market onion darknet marketplace
dark web link dark web markets
tor market url tor markets links
deep web drug store dark web market list
deep web drug markets dark web market links
tor markets links dark market url
tor markets 2022 darknet drug links
darknet drug market dark web sites
onion market dark web market
dark web market dark web sites
darknet drug market dark web sites
tor market links darknet websites
darknet market list deep web drug store
darkmarkets dark market 2022
best darknet markets dark web sites
tor marketplace darkweb marketplace
darknet market deep web drug markets
tor marketplace dark market 2022
darkmarket link bitcoin dark web
deep web drug store bitcoin dark web
dark web markets darkmarket link
tor marketplace dark web market list
darkweb marketplace tor markets 2022
tor marketplace deep web drug markets
darkmarket list dark markets
darkmarket dark markets
dark market onion drug markets onion
darkmarket 2022 dark market list
darknet markets darknet market list
darknet marketplace dark market url
drug markets dark web dark market list
dark web market links drug markets dark web
dark markets 2022 tor dark web
dark market 2022 deep web drug store
darknet market lists bitcoin dark web
tor darknet dark market
dark web links darknet websites
darknet marketplace dark market onion
darkmarket link tor dark web
tor market url darknet websites
darkmarket 2022 deep web drug markets
dark web market links onion market
darkmarket list dark market list
deep web drug markets dark market onion
darknet marketplace tor markets
dark market url darknet markets
dark web market dark market onion
tor markets 2022 dark market list
tor markets links dark web market links
dark web link dark markets 2022
darknet market list darknet markets
dark web markets tor market
dark market list tor darknet
darkmarkets darknet websites
darknet market list dark market url
deep web drug links tor markets links
darkmarket 2022 darknet marketplace
darknet market list deep web drug markets
dark web links dark web market list
dark markets darknet markets
tor markets links darknet websites
dark markets best darknet markets
drug markets dark web dark market
dark market 2022 darkmarket list
dark market url darknet market
darkmarkets darknet market links
darkweb marketplace dark market 2022
tor dark web darknet marketplace
deep web drug markets dark web markets
dark web market tor dark web
dark market 2022 deep web drug url
darknet websites dark web link
dark markets 2022 darknet marketplace
darknet marketplace tor dark web
deep web drug url darknet drug links
dark market 2022 darknet market
dark markets darknet market list
tor markets 2022 darknet market
darknet market best darknet markets
dark web market list dark web sites
dark web markets darkmarket
darknet market links tor markets
deep web drug markets dark market url
dark market list darkmarket link
darkmarket url darkweb marketplace
deep web drug links darkmarket
deep web drug markets dark web market list
dark market list tor markets 2022
dark market link deep web drug markets
dark market list darkweb marketplace
tor markets drug markets dark web
darkmarket bitcoin dark web
dark web market list deep web drug links
dark market list deep web drug url
dark markets darknet websites
tor darknet dark market list
best darknet markets tor market
dark market link deep web drug markets
deep web drug store dark web drug marketplace
darknet market links tor markets
darkmarket list onion market
deep web drug url darkmarket 2022
tor markets links tor dark web
darkmarket 2022 dark web market list
deep web drug store darknet marketplace
darkweb marketplace onion market
dark web links dark market list
tor markets dark markets 2022
darknet websites dark web market links
dark market 2022 dark markets
dark web link dark markets 2022
deep web drug markets tor darknet
darknet drug store dark web link
darknet drug links deep web markets
dark market 2022 dark market
tor darknet dark web markets
darknet markets darknet market links
dark market onion deep web markets
darknet drug links tor markets links
darknet drug store dark web sites
deep web markets darkmarket
drug markets onion tor market
darknet markets dark web drug marketplace
darkmarket url dark market link
darknet drug market darknet market lists
darkmarket url darknet websites
darknet market list tor markets links
dark web market dark web sites
dark web market dark web market
darknet websites dark web market links
tor markets links onion market
onion market darknet markets
dark web market list dark web drug marketplace
deep web drug links dark web market links
deep web drug links dark market onion
tor dark web dark market 2022
onion market darkmarket url
dark web links tor dark web
drug markets dark web dark web sites
dark web markets darkmarkets
darkmarket link tor dark web
dark web links deep web markets
bitcoin dark web dark web market list
darknet drug market darkmarket 2022
deep web drug store darkmarket url
darkmarket 2022 tor marketplace
tor dark web darknet websites
darknet market links dark web link
darknet drug market darkweb marketplace
darknet market list tor market url
darkmarket 2022 darknet websites
darknet markets tor markets
darknet market lists dark web link
tor market url darknet market links
tor market links darkmarket 2022
bitcoin dark web darknet marketplace
darknet marketplace deep web drug url
tor market dark web drug marketplace
tor markets darkmarket link
darknet markets tor market url
drug markets dark web dark market link
dark web link dark web markets
deep web drug store tor markets links
dark web market darkweb marketplace
dark web links darknet market lists
dark web market links deep web drug links
tor market links drug markets dark web
tor market url dark web sites
darkmarket url tor market
darkmarket list best darknet markets
dark web markets dark markets
dark market onion dark web market links
darknet market lists darkmarket list
darknet market links tor markets links
dark web market deep web drug store
dark market dark web markets
darknet market links dark market 2022
darkmarket drug markets onion
tor markets dark market
tor market url darknet market
darkmarket 2022 darkmarket link
tor market links dark market url
tor darknet darkmarket
tor markets tor market
dark markets bitcoin dark web
tor dark web darknet market list
dark web links darkmarket
tor markets dark web market
dark market list dark market
tor markets darknet markets
deep web drug url darknet market links
darkweb marketplace tor darknet
dark market onion dark markets 2022
tor dark web tor market
deep web markets onion market
drug markets onion deep web drug store
dark market onion darknet drug market
dark markets 2022 drug markets dark web
dark market list tor darknet
dark web market dark market 2022
darknet drug links darkmarket link
dark web drug marketplace darkweb marketplace
bitcoin dark web darknet markets
tor market dark market
drug markets onion tor darknet
dark markets dark web market list
darkmarket dark market link
dark markets dark web market
dark markets tor markets links
tor marketplace darknet websites
darkmarket link dark web markets
darknet market list dark market 2022
deep web drug markets darkmarkets
dark markets dark markets 2022
tor markets links dark web markets
tor market darkmarket url
dark web markets darknet websites
dark markets dark web markets
drug markets onion darknet drug links
tor market darkmarket 2022
dark web markets onion market
dark web markets tor markets 2022
dark web markets tor markets
dark web market list best darknet markets
dark web drug marketplace tor markets links
bitcoin dark web dark web markets
deep web drug links tor market
darkmarkets darkmarket url
darkmarket link tor markets links
darkmarket link darknet drug store
dark market drug markets onion
darkmarket link darknet market
deep web drug links drug markets dark web
tor markets 2022 deep web drug links
darkmarket dark web market
tor dark web dark web drug marketplace
dark market onion dark web markets
tor marketplace darknet drug market
best darknet markets dark web drug marketplace
dark web link darknet websites
darknet market list darkmarkets
deep web drug url deep web drug store
darknet market dark market
dark market list drug markets onion
drug markets dark web deep web markets
tor market url dark web link
deep web drug markets dark web market list
tor market url darknet markets
dark market link bitcoin dark web
darknet market list darknet drug market
deep web drug url dark web link
darknet markets dark web sites
darknet drug links tor market
dark web market list dark web markets
darknet marketplace deep web markets
tor market url darkmarket link
deep web drug store drug markets onion
best darknet markets tor marketplace
deep web markets dark web links
darknet market list darkmarkets
darkmarket list best darknet markets
darknet drug market dark market url
darknet drug store dark web market list
dark market 2022 dark markets
best darknet markets dark market url
darkmarket 2022 deep web drug store
darkmarket link darkmarket
deep web drug markets onion market
darknet market darknet markets
darknet drug store dark market onion
dark market darknet websites
drug markets dark web darkmarket link
darkmarket url tor darknet
darknet markets dark market onion
deep web drug store dark market onion
darknet drug market darkmarket link
dark market link dark market 2022
gabapentin 25mg tablets
darkmarket 2022 dark web links
bitcoin dark web darknet drug links
onion market darkmarkets
darkmarkets darknet drug store
tor markets darknet market
tor dark web dark market onion
tor market links dark web drug marketplace
darknet markets onion market
dark markets 2022 darknet market list
dark markets dark market onion
dark web link deep web markets
deep web drug links best darknet markets
tor market links darknet market links
dark web market links darknet drug links
tor dark web tor dark web
deep web drug url dark web markets
dark web drug marketplace dark web drug marketplace
dark markets dark market link
darkmarket 2022 darknet market links
dark market 2022 tor markets
onion market dark web drug marketplace
tor darknet deep web drug markets
bitcoin dark web deep web drug links
dark market list tor market
dark web drug marketplace tor marketplace
dark markets 2022 darkweb marketplace
darknet marketplace tor darknet
tor darknet tor market links
drug markets onion dark markets
darknet drug links dark markets
tor market url deep web drug url
tor market url darknet market links
darkmarket link tor marketplace
darknet drug store onion market
deep web drug store darknet market links
drug markets onion deep web drug links
dark market dark market onion
dark web link darknet drug market
tor dark web bitcoin dark web
dark web drug marketplace tor market links