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The Illusion of Concrete Safety
Investors often argue for real estate as an inflation hedge but ignore the "opportunity cost." If inflation is 8% and a bank deposit offers 17%, the real return on a deposit is multiple times higher than the potential capital appreciation of a square meter, which often stagnates.
Putting funds into real estate at current rates is a bet on price growth that may not pay off for years, while a deposit provides a guaranteed cash flow here and now.
By freezing money in square meters, you lose the ability to compound interest. This lowers your purchasing power compared to someone keeping cash in a savings account.
#capital #inflation #deposit