STOP Saving Your Money in the Bank: The More You Save, The More You Lose

We all crave financial freedom. To buy back our time and live life on our own terms. To wake up every day doing what we love, without worrying about bills.

But here’s the truth: you’ll never reach financial freedom by letting your money sleep in a bank account.

Your money should be working for you while you sleep — not sitting idle, losing value. That cash lying dormant in your account is an army with untapped potential. You must send it on a mission — a mission to multiply and fight for your freedom.

Yet you don’t. You remain paralyzed by fear, ignorance, or distrust of the investment world. So, you settle.

Now you have Ksh 7 million snoring in a savings account — while the bank charges you fees to “maintain” it… then turns around and uses your money to earn hundreds of thousands — while you earn nothing.

The Cruel Truth

Your banker will never teach you how money works. If you woke up, the system would collapse. Your ignorance is their business model.

Let me show you what this ignorance costs you.

Money Left in the Bank

Deposit: Ksh 7,000,000
Interest: 0%
Average Inflation Rate: 6%
Effective Return: –6% per year

If you keep Ksh 7 million idle for 7 years with an average annual inflation of 6%, its real value will shrink to about Ksh 4.65 million in today’s money.

That means that “safe” money will have silently lost Ksh 2.35 million in purchasing power — without spending a cent.

To maintain the same purchasing power as Ksh 7 million today, you’d need about Ksh 10.53 million after 7 years.

Investing the Same Money in a Money Market Fund

Investment: Ksh 7,000,000
Net Return: 10%
Time: 7 Years
Future Value: Ksh 14,055,441
Total Interest Earned: Ksh 7,055,441

That’s how your money starts to fight for you — even while you rest.

And that’s just the starter pack.

If You Aim Higher

Special Funds with an average 20% net return would grow your Ksh 7 million to Ksh 27,440,904 (Ksh 20.4 million in growth).
Fixed Income Funds like Almasi Fund by Arvocap averaging 25% gross return over the last year would give you Ksh 26,969,337 (Ksh 19.9 million in growth).

Now, you can see the difference between letting money sleep and letting money work.

When your money sits idle, it dies slowly. When it’s invested wisely, it multiplies relentlessly.