{"id":24290,"date":"2022-03-25T21:00:00","date_gmt":"2022-03-25T20:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=24290"},"modified":"2022-06-01T09:30:10","modified_gmt":"2022-06-01T07:30:10","slug":"inflation-banking-break-record-savings","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/inflation-banking-break-record-savings\/","title":{"rendered":"Inflation and banking break record savings"},"content":{"rendered":"
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Savings figures have set a record in 2021 due to the pandemic and restrictions. In total, the Bank of Spain calculates that families have saved 943.7 billion euros in deposits, 4.8% more than the previous year. Even so, they are unable to take advantage of it. Inflation and the zero profitability offered by traditional banks could truncate the milestone achieved with so much effort. We talked about this with 11Onze’s executive assistant, N\u00faria Rambla.<\/b><\/h3>\n

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Experts warn that, nowadays, filling the savings bag in Spain does not give any return. And there are two main reasons for this. The first is that most families save their income \u201cin traditional products, in the same current account or in cash,\u201d Rambla argues. Therefore, not only are they not making any profit, but they are also losing money! The explanation is simple: in an inflationary context such as the one we are living in, with skyrocketing living costs, <\/span>inflation is eating away at this hard-saved income<\/b>.<\/span><\/p>\n

The second, and more important, reason is that even if households are saving their money in a deposit account, <\/span>financial institutions are not offering sufficient returns<\/b>. \u201cThe financial sector has cut the interest rates on these deposits by a huge amount, leaving them almost all at 0%, even in long-term products,\u201d Rambla explains. In fact, according to the Bank of Spain itself, this profitability has fallen by 98% in the last ten years.<\/span><\/p>\n

In other words, <\/span>for a person to save the same amount as ten years ago, he or she needs to invest 100 times more<\/b>. Thus, if a decade ago the banks paid an average of 500 euros for every 10,000 euros invested in a deposit per year, today we only get five. The reason, says Nuria Rambla, lies in the interest rates set by the European Central Bank (ECB), which encourage borrowing, not saving.\u00a0<\/span><\/p>\n

\u201cThe ECB charges interest to traditional banks for holding excess money, it charges them negative interest, in other words,<\/span> they even have to pay the ECB to hold these deposits for them. That\u2019s why traditional banks can\u2019t offer good returns to individuals<\/b>. And for corporations or larger companies, if you have a higher balance for more than a certain number of days, they start charging you,\u201d Rambla explains.<\/span><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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\u201cThe financial sector has cut interest rates on deposits a lot, leaving them almost all at 0%, even in long-term products.\u201d<\/b><\/p>\n\n N\u00faria Rambla, executive assistant at 11Onze<\/span>\n <\/blockquote>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n

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Purchasing power plunges in a decade<\/b><\/h3>\n

Just a decade ago, the average yield offered by deposits was 2.74%. In 2008 it even exceeded 5%. By contrast, in September this year, the average was 0.05%. <\/span>A real blow to savers<\/b>. And that is if customers are able to find a financial product that offers them a return, because recently <\/span>some traditional banks in Spain have already started to market deposits with a zero return<\/b>. \u201cThere are very few that offer almost 1%, but they are an exception,\u201d Rambla argues.<\/span><\/p>\n

So what is the solution? \u201cTo maintain purchasing power, you don\u2019t have to leave your money idle. You have to invest,\u201d the executive assistant at 11Onze argues. That is why, in Spain, <\/span>many savers are betting on diversifying their savings and investing in investment funds<\/b>, in ETFs or investment packages that are easier to manage, and even in cryptocurrencies or precious materials such as gold or silver. However, all these products always involve risk. That\u2019s why 11Onze will soon be announcing new products that can help savers, and we\u2019ll keep you posted!<\/span><\/p>\n

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If you want to wash your clothes without polluting the planet, 11Onze Recommends <\/b>Natulim<\/b><\/a>.<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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