What is the cost of leaving your savings in the bank checking account?

Many savers make the same mistake, even though it seemingly does not exist. Which one? Leaving their money "safe" in the bank checking account. Yes, it may seem perfectly normal, especially thinking that nothing is safer than our own checking account. However, even though the capital remains available, the real cost of not making that money work can be much higher than you imagine.

At Inversa, we explain why keeping your savings idle can erode your wealth and how you can make it work safely and profitably.

Why leaving money idle has a real cost

When thinking about leaving our money inactive in the account, we might assume it is completely safe. After all, what better place than our bank to keep our savings? However, we forget some factors such as:

• Inflation erodes your purchasing power - Inflation is a general increase in the prices of goods and services. If your savings do not generate returns, they lose value in real terms. If you want to learn more about inflation, we recommend reading our article on how inflation affects your savings.
• Bank fees and charges - In addition to the loss due to inflation, many checking accounts include maintenance fees, transfer costs, and card fees, which reduce your capital. Even "no-fee" accounts can have hidden costs or interest rates that do not compensate for inflation.

Keep in mind that money in a checking account does not grow; it remains static and, in some cases, may even be affected by unexpected expenses.

Lost opportunity to make your money work

Leaving money in the checking account means giving up alternatives that do generate income, even if moderate. Idle capital could actually generate all kinds of benefits by participating in:

• Investing in short-term financial products
• Participating in business financing opportunities
• Accumulating interest that exceeds inflation

Strategies to make your savings work

To continue earning returns with very low risk, there are better strategies than leaving money idle in the checking account. Here are some of the most interesting options:

Low-risk short-term investments

• Bills and commercial notes from Spanish companies, like those offered on Inversa.
• Terms of 30 to 180 days.
• Clear and guaranteed returns through commercial documentation.

Investment funds and index products

• Allow diversification among multiple assets.
• Minimum investment accessible for small savers.
• Historically, they offer returns above inflation.

When looking for the best strategy for you, it is important to choose a trusted platform where you stay informed and have all the necessary resources. This is where our platform, Inversa, comes in, where through investment in bills and commercial notes you can achieve all kinds of benefits:

• Participate in real business financing operations.
• Obtain attractive short-term returns.
• Have the transparency and security provided by the platform.

How to start making your savings work

To start making your savings work, there are key points to consider to maximize benefits. Here are the main steps to make your savings profitable instead of leaving them idle in your checking account:

• Assess your risk profile - Start by defining your short-, medium-, or long-term goals.
• Determine your risk tolerance - Know if you might need to access those savings in case of necessity.
• Decide how much capital you want to allocate to investments.
• Diversification as a key to success - Combine fixed income, variable income, and bills or commercial notes. This reduces exposure to concentrated risk.

Keeping this in mind, we should also highlight the benefits of investing safely and transparently, as offered when investing with Inversa:

• You recover purchasing power against inflation.
• You obtain additional returns.
• You participate in the real economy, supporting Spanish companies.

Start making your savings work with Inversa

Leaving money idle in the checking account has a hidden cost that can compromise your wealth in the long term.

Investing safely and transparently allows you to protect your savings, overcome inflation, and generate returns. At Inversa, we provide investment opportunities in bills and commercial notes from Spanish companies, with short terms and clear returns.

Discover our investment opportunities and start making your savings work intelligently.