How to Store Money Without Losing Value: Smart Tips You Need to Know

Money is something we all want to preserve, but let’s face it—prices keep rising, and inflation is a constant worry. It can feel impossible to store your savings without watching them lose value over time. But what if I told you it doesn’t have to be that way? There are ways to store money that not only protect its value but can even make it grow.

So, let’s dig into this. Can you store money without it losing value? And if so, how? Keep reading, and I’ll break it down for you.

Understanding the Threat: Inflation and Its Impact

Before we jump into the solutions, let’s talk about why we’re all so concerned about storing money these days.

Inflation—ah, that old enemy. If you’ve noticed that prices of everything, from groceries to gadgets, are climbing, that’s inflation at work. When inflation rises, the purchasing power of your money falls. To put it simply: what you could buy for $100 five years ago might cost you $120 today.

I remember chatting with my friend Sarah last month. She was ranting about how her savings just weren’t adding up anymore. She had a decent amount of money in her bank account, but it felt like the value was just slipping away every day. That’s when it hit me—keeping money in a basic savings account may not be the best option anymore.

Safe Options to Store Your Money

1. High-Interest Savings Accounts: A Step Up

Alright, this one’s a no-brainer for many people. High-interest savings accounts offer better returns than your average checking account. I’m talking about rates that could be anywhere from 2% to 4% per year.

Not bad, right? It’s not going to make you rich, but it beats keeping your money in a regular savings account with rates close to zero. Plus, your money is still safe. Just make sure to shop around.

One thing to keep in mind, though, is that while high-interest savings accounts are generally low-risk, they still may not keep up with inflation in the long run. So, it’s not a perfect solution, but it's better than nothing.

2. Certificates of Deposit (CDs): Locking in Growth

I’ll be honest here—this one isn’t for everyone. CDs can feel a little restrictive, as you’re required to lock up your money for a set period (usually anywhere from 6 months to 5 years). But if you’re okay with that, they can offer much higher interest rates, sometimes upwards of 5% or more.

I’ve used them myself. I locked a small portion of my savings in a 1-year CD last year, and when it matured, I was pleasantly surprised by the return. It felt like a small win, especially considering the low-risk nature of it.

3. Bonds: The Steady Performer

Bonds are another solid option for those who want to keep their money safe without worrying about losing value. They are like lending money to a company or government, and in return, you get paid interest.

There are several types of bonds, such as U.S. Treasury bonds or corporate bonds. U.S. Treasuries are considered among the safest, and they tend to offer returns that are better than what you’d get from a standard savings account. However, if you’re looking for a higher yield, you might need to look into corporate bonds (though they do carry a bit more risk).

I remember my dad advising me to look into government bonds a few years back. He said, “It’s like getting paid to hold your money.” Sounds simple, but it really stuck with me.

Investing: Letting Your Money Work for You

1. Stock Market: The Long-Term Growth Strategy

Okay, let’s talk about the big guns. Stocks. Now, I know what you’re probably thinking—“The stock market is risky!” And yes, it can be, especially if you’re looking for short-term gains. But over the long run, the stock market has historically outperformed most other investment options.

You don’t need to be a financial expert to get started. A lot of people, including me, have had success with low-cost index funds that track the overall market. These funds are designed to provide steady growth over time, and they’re a pretty solid bet if you’re willing to let your money sit for years.

There’s a catch, though. The stock market is volatile. I’ve seen my portfolio fluctuate like crazy at times. But if you hold steady, like I’ve learned to do, you’ll likely come out ahead. Just make sure you’re in it for the long haul.

2. Real Estate: A Tangible Option

Real estate is one of the oldest ways to store and grow wealth. It’s tangible—something you can actually see and touch—and historically, real estate has appreciated over time.

Now, I’m not saying you should go out and buy a mansion, but investing in rental properties or even REITs (Real Estate Investment Trusts) can be a fantastic way to protect your money. I know people who’ve bought small properties, rented them out, and not only covered their costs but also saw the value of their property rise.

But, fair warning, this option comes with maintenance costs and potential headaches. Don’t underestimate the work involved. Just ask my cousin Tim, who spent months renovating a rental property only to find out his tenants didn’t care much for the renovations. Oh well, lesson learned!

The Final Word: Diversification Is Key

Look, I get it. There’s no one-size-fits-all answer to storing money without losing value. But if there’s one thing you should take away from this article, it’s this: diversify. Spread your money across different options—savings accounts, bonds, stocks, real estate, whatever works for you. By not putting all your eggs in one basket, you minimize the risk of losing money and give yourself a chance for growth.

And hey, it doesn’t hurt to keep learning along the way. I’m still figuring out what works best for me, but these are just some strategies I’ve tried or considered. Everyone’s journey is different, but with a little thought and planning, you can definitely protect your savings from the ravages of inflation.

Trust me, it’s worth the effort.

Is 165 cm normal for a 15 year old?

The predicted height for a female, based on your parents heights, is 155 to 165cm. Most 15 year old girls are nearly done growing. I was too. It's a very normal height for a girl.

Is 160 cm too tall for a 12 year old?

How Tall Should a 12 Year Old Be? We can only speak to national average heights here in North America, whereby, a 12 year old girl would be between 137 cm to 162 cm tall (4-1/2 to 5-1/3 feet). A 12 year old boy should be between 137 cm to 160 cm tall (4-1/2 to 5-1/4 feet).

How tall is a average 15 year old?

Average Height to Weight for Teenage Boys - 13 to 20 Years

How to get taller at 18?

Staying physically active is even more essential from childhood to grow and improve overall health. But taking it up even in adulthood can help you add a few inches to your height. Strength-building exercises, yoga, jumping rope, and biking all can help to increase your flexibility and grow a few inches taller.

Is 5.7 a good height for a 15 year old boy?

Generally speaking, the average height for 15 year olds girls is 62.9 inches (or 159.7 cm). On the other hand, teen boys at the age of 15 have a much higher average height, which is 67.0 inches (or 170.1 cm).

Can you grow between 16 and 18?

Most girls stop growing taller by age 14 or 15. However, after their early teenage growth spurt, boys continue gaining height at a gradual pace until around 18. Note that some kids will stop growing earlier and others may keep growing a year or two more.

Can you grow 1 cm after 17?

Even with a healthy diet, most people's height won't increase after age 18 to 20. The graph below shows the rate of growth from birth to age 20. As you can see, the growth lines fall to zero between ages 18 and 20 ( 7 , 8 ). The reason why your height stops increasing is your bones, specifically your growth plates.