Inflation has an effect on the price level; in practice, this means that you can currently buy fewer goods for the same amount of money than before. In January, inflation rose to 17.5%. How can I invest my money properly so it doesn't lose value?

Savings accounts

A savings account is a good place to look if you need access to cash in the near future. Savings accounts are currently yielding around 5%, which may not even cover inflation, but it's good for those of you who are risk-averse and worried about not getting your money back. Using a savings account is safe as the money is legally insured up to a certain amount.

Index funds

An index fund is a type of mutual fund that holds shares of a particular market index (such as the S&P 500 or Dow Jones Industrial Average). Index mutual funds are some of the best investments available for long-term savings. In addition to being cost-effective due to their low fund management fees, index mutual funds are less volatile than actively managed funds that try to beat the market. Index funds can be especially good for young investors with a long timeline who can allocate a larger portion of their portfolio to equity funds with higher returns.

Dividend stocks

Dividends are regular cash payments that companies pay to shareholders and are often associated with stable, profitable companies. While share prices may not rise as high or as fast as growth-stage companies, they can be attractive to investors because of the dividends and stability they provide.

Investing in gold

Gold retains its value, and unlike currencies, gold is not directly affected by interest rate decisions and cannot be printed to control supply and demand. Gold is a rare asset that has retained its value over time and has proven to be a hedge against adverse economic events. For this reason, gold is considered a safe haven by many investors.


An exchange-traded fund, or ETF, is a type of investment product that is traded on an exchange, just like stocks and bonds. ETFs usually consist of a collection of different stocks, bonds, commodities or other financial instruments and are designed to track the performance of a specific index. ETFs provide investors with diversification and liquidity and can be bought and sold on an exchange throughout the trading day.

Investment in 2023, where best to invest.