A lot of investors stick to what feels safe, savings accounts, GICs, or bonds. And on the surface, that makes sense. After all, these products are designed to protect your money… right?
But here’s the uncomfortable truth: “safe” doesn’t always mean smart. In fact, the safest-looking options can sometimes be the slowest path to building real wealth.
Here are 5 reasons your safe investments could be holding you back:
- Inflation is quietly eroding your returns.
If your GIC earns 3% but inflation is running at 4.5%, you’re losing purchasing power, even while your balance grows.
- You’re paying taxes on tiny gains.
Interest from savings and GICs is fully taxable. So even that small return gets shaved down come tax season.
- You’re locked in with no flexibility.
Most GICs and bonds have fixed terms. If rates rise or you want to move your money, you’re stuck or penalized.
- The return barely beats zero.
After fees, taxes, and inflation, your net gain may be negligible. You’re not losing money, but you’re not getting ahead either.
- You’re missing out on compounding opportunities.
Money that isn’t working hard for you today delays your future growth. The earlier you earn real returns, the faster you build wealth.
Fluent doesn’t promise “guaranteed” growth; no investment can. But we offer something many traditional products don’t:
✔️ Monthly income
✔️ Asset-backed security
✔️ A plan that’s built to outperform inflation, not just protect against it
If you’ve been sticking with “safe” investments out of habit, maybe it’s time to rethink what safe really means.
Let’s build something stronger, without sacrificing security.
We’re here to help.