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The illusion of deposit stability
Many fear bonds due to volatility, choosing deposits as a "safe haven." But in a period of high inflation and rising rates, a bank deposit can turn into an instrument with negative real yield.
While you wait for the deposit term to end, market rates may rise even further, and you will remain locked into an old contract. Bonds offer the opportunity to buy new issues at a higher rate, averaging the portfolio yield.
Do not overestimate the calmness of a deposit: it also carries a hidden opportunity cost risk.
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