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Cash savings feel safe, but they shouldn’t form part of your long-term investment strategy. While cash has an important role, holding too much of it for long periods can quietly damage your wealth. The biggest reason is inflation. Over time, inflation reduces the purchasing power of money. That means the cash sitting in your savings account today will buy less in the future, even if the balance never goes down. If inflation is higher than the interest you earn on cash, you are effectively losing
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