Global Opportunities Beyond the Radar

The Quiet Death: Is Your Bank Robbing You?


‘In investing, what is comfortable is rarely profitable.’

—Robert Arnott


Have you thought about it?

Have you thought about locking your money up in the bank?

Have you thought about committing yourself to a 6% interest rate for 12 months?

If you have, rest assured, you’re not alone. Lots of people are thinking the same thing. There’s comfort in placing your money in the bank, isn’t it?


Source: Image generated by OpenAI’s DALL-E


Now, to be clear, I don’t blame you for considering this:

So, understandably enough, during times of social upheaval, locking up your money in the bank feels like a credible option. It represents a longing for stability. A yearning for certainty:


Source: Image generated by OpenAI’s DALL-E


But watch out. What if turtling up and retreating into your shell is the wrong move? What if it’s just leading you to a quiet death of your earning potential?



What’s the real price of turtling up?


Let’s consider the opportunity cost over 10 years. Here’s an imaginary scenario:

Now, let’s push the time horizon out a bit more. Let’s stretch it. Let’s consider the opportunity cost over 20 years:

Does this sound attractive? Why, yes, it does. However, here are some important things that you need to be aware of:


Source: AMP


Now, regarding interest rates, here are a few important things to be aware of:



Retreat or courage?


So, here’s the trillion-dollar question:


Source: Image generated by OpenAI’s DALL-E


Ultimately, the question isn’t just about where to put your money. It’s about where your money can take you:

At Wealth Morning, we run what may be the only active night-trading desk in New Zealand for our Eligible and Wholesale Clients:



John Ling

Analyst, Wealth Morning

(This article is general in nature and should not be construed as any financial or investment advice. To obtain guidance for your specific situation, please seek independent financial advice.)

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