Nominal vs real value
An account balance can rise while purchasing power grows more slowly if prices also rise.
Short-term cash has a purpose
Emergency savings may prioritize accessibility and stability rather than maximizing long-run return.
Long goals need context
A future cost estimate may need updating as prices change.
Rates differ by category
Housing, food, transport and education prices do not necessarily move at the same pace as a headline inflation measure.
Educational information only. Use current product terms and the rules that apply in your country. For decisions with significant financial consequences, consider an appropriately qualified professional.