Last month, you checked your bank balance and felt relieved. The number looked safe, untouched, exactly where you left it. But then you went to the market. That same amount now buys less rice, less oil, fewer vegetables than it did six months ago. You’re not losing money, but somehow you’re getting poorer. With Bangladesh’s inflation hitting over 10% while your savings account offers maybe 4%, the math is brutally simple: staying “safe” is costing you every single day. Investment sounds scary, like something only experts understand or a gamble you can’t afford to take.
But here’s the honest truth most guides won’t tell you: not investing is also a choice, and in today’s economy, it might be the riskiest one. Here’s how we’ll tackle this together: understanding what investment actually means beyond the jargon, why your hard-earned money is quietly disappearing, the real options available to you right now in Bangladesh, and how to take your first step without the paralysis.
Keynote: What is Investment
Investment means deploying your money into assets that generate returns exceeding inflation, protecting and building your purchasing power over time. It’s the difference between preserving today’s value and creating tomorrow’s wealth. In Bangladesh’s current economic reality where inflation consistently outpaces savings account interest, investment transforms from optional strategy to financial survival necessity for every middle-income family.
The Silent Crisis No One Talks About
Your Money Is Disappearing While You Sleep
Here’s the number that keeps me up at night: Bangladesh’s inflation hit 10.8% in December 2024 while your average savings account still offers around 4%. That’s not just a gap. That’s a chasm swallowing your hard-earned money.
Every year your cash sits idle in that savings account, it loses real purchasing power at an alarming rate. The 100,000 taka you carefully saved two years ago? It now buys what 81,000 taka would have purchased back then. You did nothing wrong. You saved responsibly. But inflation doesn’t care about your discipline.
Think about your children’s education costs, or that retirement dream you’ve been protecting. They’re getting more expensive every single month while your savings stagnate in supposed safety. This is the silent wealth erosion affecting millions of Bangladeshi households right now.
The Math That Banks Don’t Advertise
Your bank proudly displays that 8.89% FDR interest rate on their poster. Sounds solid, right? Until you do the simple math against 10% inflation that’s actually happening in the real economy where you buy groceries and pay bills.
You’re technically losing 1 to 2% of your money’s value every year, guaranteed. Not might lose. Will lose. The contract you signed to keep your money “safe” is actually a contract to watch its purchasing power shrink predictably.
Banks protect the number in your passbook beautifully. But numbers mean nothing if they can’t buy what you need. Inflation is the thief that never sleeps, never gets caught, and operates with complete legal immunity while draining your wealth.
What “Doing Nothing” Actually Costs You
I completely understand the fear. The thought of losing your savings to a bad investment decision feels terrifying and real. That anxiety is completely human and justified.
But let’s talk about what doing nothing costs. Waiting for the perfect time, the clearest signal, the moment when you feel completely ready means losing to inflation every single day. And here’s the brutal truth about regret: in 10 years, you won’t regret the small losses you recovered from. You’ll regret the years of compounding growth you gave away by waiting.
Your grandparents kept cash under mattresses because they didn’t trust banks. Meanwhile, rice prices, gold prices, land prices exploded around them. History doesn’t reward caution. It rewards participation.
What Investment Really Means Without the Suit and Tie
The Simple Truth They Overcomplicate
Think of investment like planting a mango tree instead of storing mangoes in your refrigerator. Stored mangoes rot eventually no matter how cold you keep them. But a planted seed? It grows into something that produces mangoes year after year, feeding you and your children without depleting the original investment.
Investment means putting money to work earning returns above inflation, period. You’re not gambling on random outcomes. You’re participating in Bangladesh’s economic growth, in company profits, in government borrowing needs to protect and expand your purchasing power.
Financial advisors love making this complicated with fancy terms and three-piece suits. Here’s what it actually is: saving preserves today’s value, investing builds tomorrow’s value while actively fighting inflation. Both matter. Both serve different purposes in your financial life.
It’s making your money have babies, as crude as that sounds, so you don’t have to work forever to maintain the same standard of living.
Investment Versus Saving: Know the Difference
Saving is your emergency fund sitting in that easily accessible savings account. It’s your safety net for when the refrigerator dies, when medical bills hit unexpectedly, when life throws those inevitable surprises. You need this. Never invest your emergency money.
Investing is your wealth builder for long-term freedom. It’s the money working toward your daughter’s university fees in 10 years, your retirement in 25 years, that financial independence you dream about during traffic jams on your way to work you’d rather quit.
You need both approaches, not an either-or choice. The mistake most Bangladeshis make? They save everything and invest nothing, then wonder why retirement feels impossible despite decades of discipline.
Liquidity versus growth, safety versus returns, this is the fundamental trade-off every person faces daily when deciding what to do with their salary after expenses.
The Two Engines That Make Money Grow
Your money grows through two distinct engines, and understanding both changes how you think about wealth building completely.
Income return is the interest payment, the dividend check, the rental income, the profit distribution flowing back to you regularly while you still own the asset. It’s money you can spend or reinvest without selling anything.
Capital gain is the “price went up” profit you realize when you eventually sell. You bought Sanchayapatra at face value, it matured at a premium. You purchased shares at 45 taka, sold at 68 taka. That difference is capital appreciation.
Here’s what most beginner guides skip: returns can be negative too, and that’s completely normal, not catastrophic. Markets fluctuate. Asset values swing. Understanding this prevents panic.
And never forget time value of money, the foundational principle: money today beats money tomorrow, always, because today’s money can start earning returns immediately while future money just sits as a promise.
The Fear That’s Keeping You Stuck
“What If I Lose Everything I Saved?”
Let’s address the elephant sitting in every Bangladeshi investor’s mind: the 2010 to 2011 stock market crash. The DGEN index fell 3,715 points in just three brutal months. Fortunes evaporated. Families were destroyed. People still talk about it in hushed, traumatized tones.
This fear is real, justified, and shared by millions across Bangladesh right now. I’m not going to minimize it or pretend market crashes don’t happen or can’t hurt you badly.
But here’s the paradox: doing nothing guarantees you’ll lose to inflation. It’s just slower, quieter, less dramatic. No newspaper headlines about “Savings Account Holders Lose 40% Purchasing Power Over Five Years.” But it happens anyway, to everyone who thought staying in cash was safety.
Behavioral economists discovered that loss aversion makes losing money feel roughly twice as painful as gaining the same amount feels good. That’s why crashed markets dominate your thinking more than steady inflation erosion. Your brain is wired to fear the dramatic and ignore the gradual.
“I Don’t Understand How This Works”
Math anxiety and financial jargon create paralysis, not protection. The industry loves its terminology, its acronyms, its complicated explanations that make you feel small and incapable.
And here’s the weird psychological trap: knowing a little about investing actually feels scarier than knowing nothing. When you’re completely ignorant, you can dismiss it. When you know just enough to see the risks but not enough to assess them, that’s when panic sets in. This is called the Dunning-Kruger effect in reverse.
You don’t need to become a financial expert to start investing wisely today. You need to understand basic principles, ask good questions, and know when to use professional help.
Professional fund managers exist specifically to bridge this knowledge gap for regular people. That’s literally their job. You don’t need to pick stocks yourself if that feels overwhelming.
“What If This Is Another Scam?”
Bangladesh’s history with Ponzi schemes, multi-level marketing disasters, and fraudulent investment clubs makes skepticism smart, not paranoid. Your caution protects you.
Learn the red flags that scream danger: pressure to decide immediately, secrecy about how returns are generated, guaranteed returns that sound too good, “insider tips” that require you to bring more investors. Run from all of these instantly.
Regulated investments through institutions overseen by Bangladesh Bank, BSEC, the National Savings Directorate, these offer the safety and accountability you’re craving. Not perfect safety. Nothing is perfect. But proper regulation with legal recourse.
Wait 24 hours before making any significant money decision. Sleep on it. Talk to someone uninvolved. Verify everything through official channels before signing anything or transferring money. If someone rushes you, they’re selling something broken.
The FOMO Trap That Destroys Wealth
The flip side of fear is greed-driven rushing. Jumping in without research because your colleague apparently doubled his money in three months, because your neighbor keeps talking about his profits, because everyone seems to be getting rich except you.
This cycle of greed, envy, and overconfidence created Bangladesh’s 2010 bubble in the first place. People who’d never invested suddenly borrowed money to buy stocks they didn’t understand because prices kept rising and they couldn’t bear missing out.
Rushing in blind is exactly as dangerous as never starting at all. Both extremes destroy wealth and financial security.
If something sounds guaranteed, if the returns seem impossibly good, if you feel pressure to act now or miss out forever, pause. Breathe. It’s probably dangerous.
Your Real Investment Options in Bangladesh Right Now
The Ultra-Safe Zone: Government Backed Securities
Bangladesh offers government-guaranteed securities that serve as the foundation for conservative investors who need to sleep peacefully at night.
Treasury bills currently yield 11.35% for 91-day maturity and 11.60% for 364-day options. These are backed by the full faith and credit of Bangladesh’s government. The risk of default is essentially the risk of government collapse, which makes this as safe as domestic investment gets.
National Savings Certificates, commonly called Sanchayapatra, offer even better returns: rates ranging from 11.83% to 12.55% depending on the specific scheme and tenure. The tax benefits make this even more attractive, with deductions up to 5 lakh taka annually under current rules.
You can purchase these through any bank without needing brokerage accounts, stock market knowledge, or complicated paperwork beyond basic KYC requirements. Take your NID, your bank account details, TIN certificate, and you’re ready.
Perfect for risk-averse first-timers who value guaranteed returns and government backing over higher but uncertain growth potential.
According to the National Savings Directorate, various Sanchayapatra schemes cater to different investor profiles, from family savings certificates to pensioner savings schemes with specific eligibility criteria you should review.
The Middle Ground: Bank Products and Mutual Funds
Fixed Deposit Receipts from commercial banks now compete more aggressively, with some institutions offering rates approaching 8 to 9% annually for longer tenures. Safe, predictable, familiar. Just remember to check that inflation gap because even 9% barely beats current price rises.
Deposit Pension Schemes work beautifully for monthly contributors just starting careers with small amounts. Commit 5,000 taka monthly, let it accumulate with compound interest for 10 years, watch it grow substantially through consistent deposits and reinvested earnings.
Mutual funds offer the middle path: professional fund managers handle the complexity, you just contribute regularly. They diversify across stocks and bonds, manage the buying and selling, deal with the market volatility while you focus on your actual job.
Returns average 12 to 15% for well-managed funds over longer periods, though past performance never guarantees future results. Index funds take an even simpler approach, just matching the overall market performance without active stock picking, keeping fees lower.
The Growth Zone: Stock Market Participation
The Dhaka Stock Exchange currently lists 342 companies across various sectors. After the 2010 crash, BSEC implemented stricter regulations, circuit breakers, enhanced disclosure requirements. The market isn’t the Wild West anymore, though volatility remains inherent to equity investing.
Political transition in 2024 created short-term uncertainty, but FDI actually grew nearly 20%, suggesting international investors see opportunity in Bangladesh’s trajectory despite headline noise about regime change.
Blue-chip stocks from established companies like Grameenphone, Square Pharmaceuticals, BRAC Bank offer more stability than speculative plays in untested companies. Know the difference before you buy anything.
Opening a Beneficiary Owner account requires 20,000 to 30,000 taka initially as recommended minimum to make brokerage fees worthwhile, though technically you can open with less. Required documents: NID, bank account, passport-size photos, basic KYC forms.
Start small with diversified holdings across sectors. Never bet your whole emergency fund or next year’s tuition money on a single stock tip.
The Bangladesh Securities and Exchange Commission provides investor education resources, company disclosure data, and complaint mechanisms if you face issues with brokers or listed companies.
Alternative Assets: Real Estate, Bonds, Prize Bonds
Real estate remains the traditional wealth store for Bangladeshis, but current market conditions reveal serious challenges. Liquidity is terrible when you need to sell quickly. Transaction costs are massive. Entry barriers run into millions of taka for urban properties. It’s not practical for most middle-income savers trying to invest their first 50,000 or 100,000 taka.
Corporate bonds are becoming more accessible recently as companies issue debt securities to raise capital. Steady coupon payments, defined maturity, less volatility than stocks. Check the issuing company’s credit rating and financial health before buying.
Prize bonds sit in the weird space between gambling and investing. Yes, you get your principal back. Yes, there are prizes. But expected returns after accounting for inflation? Dismal for most holders. The few big winners create illusions that don’t match mathematical reality.
NRB bonds specifically target expatriate Bangladeshis earning foreign currency who want home country exposure with better rates than domestic savers receive. Currency risk works in your favor here if taka depreciates against your earning currency.
How to Choose What’s Right for Your Life
Match the Goal to the Timeline First
Stop trying to find the universally “best” investment. It doesn’t exist. The right choice depends entirely on when you need the money and what you’re building toward.
Emergency fund money needed within 3 to 6 months? High liquidity, zero risk, savings account or ultra-short-term deposits only. You can’t afford volatility here no matter what the returns look like.
Short-term goals under 3 years like your sibling’s wedding, your car purchase, your child’s tuition payment? Stick to safer options: FDRs, short-term Sanchayapatra, money market funds. You need that money too soon to handle market crashes.
Long-term goals beyond 5 years like retirement at 60, your child’s university fees when they’re currently 5 years old, that dream house purchase in a decade? You can handle volatility because you have time to recover from downturns and capture growth cycles.
Write one clear sentence: “I need X taka by [specific date] for [specific purpose] and can invest Y taka monthly starting now.” This sentence dictates your entire strategy.
Know Your Risk Personality Honestly
Can you actually sleep at night if your investment drops 10% in a single month? Not in theory. In practice, when it’s your actual money.
Would you panic sell during market crashes, locking in losses permanently? Or would you have the discipline, the emotional fortitude, to buy more while everyone else panics?
Your risk tolerance isn’t about bravery or sophistication. It’s about your personality, your life circumstances, your ability to weather uncertainty without destroying your mental health or your family relationships.
If market volatility genuinely distresses you, causing arguments at home, disrupting your sleep, making you obsessively check prices hourly, then choose calmer assets. There’s zero shame in this. Discipline and consistency beat cleverness for most investors anyway.
Build a Simple Starter Allocation
Based on your risk profile, here are three basic starter portfolios that work for different comfort levels:
Cautious Mix for Maximum Peace:
- 70% government securities and FDRs
- 20% mutual funds for modest growth exposure
- 10% blue-chip stocks for learning
Balanced Mix for Moderate Growth:
- 50% bonds and fixed income
- 30% mutual funds diversified across sectors
- 20% direct equity in quality companies
Growth Mix for Long-Term Builders:
- 30% government bonds as anchor
- 30% actively managed mutual funds
- 40% stocks including some growth companies
Diversification isn’t just fancy terminology. It’s literally not putting all your eggs in one basket so that single failures don’t destroy your entire wealth. Different assets perform differently under varying economic conditions, providing protection through variety.
The Beginner Action Plan That Actually Works
Build Your Safety Net Before You Invest Anything
Listen carefully: you cannot start investing without an emergency fund already in place. This is non-negotiable despite what Instagram investing gurus tell you.
Calculate your absolute minimum monthly expenses: rent, food, utilities, transport, medical, debt payments. Multiply by 3 to 6 months depending on your job stability and family situation. That amount stays in immediately accessible savings, completely liquid, absolutely safe.
Why this matters so critically: emergency funds prevent panic selling during market downturns. When your refrigerator dies or medical bills hit, you handle it from savings without liquidating investments at the worst possible time, locking in losses.
Keep emergency money in regular savings accounts, short-term deposits you can break without massive penalties. Never in stocks, never in locked FDRs with harsh withdrawal terms, never in anything requiring selling or waiting.
Use Compounding Like Your Quiet Superpower
Let me show you the math that should keep you awake with excitement, not fear. Invest 5,000 taka monthly at 12% annual return for 10 years: you’ll accumulate approximately 11.5 lakh taka. Keep that same discipline for 20 years instead? Nearly 50 lakh taka.
The difference between 10 and 20 years isn’t double. It’s four times larger because of compounding. Your earnings create more earnings, which create even more earnings, accelerating growth exponentially over time.
Small monthly contributions beat rare big bets consistently. Starting with 1,000 taka monthly beats waiting until you have 50,000 to invest in one lump sum because time in the market crushes timing the market for regular people.
Albert Einstein allegedly called compound interest the eighth wonder of the world. Start with embarrassingly small amounts if that’s what you have right now. Consistency matters infinitely more than initial size.
Automate and Stop Overthinking It
Set up automatic monthly transfers from your salary account to your investment account on the same day you receive salary. Don’t wait until you “feel ready” or “understand everything” or “find the perfect opportunity.”
This strategy is called dollar cost averaging in fancy terms. In practical terms, it removes emotion from investing, prevents timing anxiety, and forces consistency regardless of market conditions.
You’ll buy more shares when prices are low, fewer when prices are high, averaging your cost over time without needing to predict market movements. Let the system handle discipline so your emotions don’t sabotage you.
Review your portfolio quarterly, maybe monthly if you must, but never daily. Obsessive checking destroys the discipline required for long-term wealth building. Set calendar reminders for systematic reviews and ignore the account otherwise.
The Mistakes Almost Everyone Makes Here
Chasing Quick Profit Stories From Friends
Your colleague’s story about doubling money in three months sounds incredibly compelling. I understand the envy, the desire to replicate that success.
But quick wins create dangerous overconfidence that leads to bigger losses later. The cycle repeats. Small luck convinces you that you’re skilled, leading to larger bets that eventually fail when luck runs out.
If investment returns sounded guaranteed and everyone could double money safely every quarter, we’d all be millionaires already. The math doesn’t work. Someone is losing money for every person winning dramatically in short periods.
Past winners don’t automatically win again. Successful strategies stop working when everyone adopts them. Focus on boring basics, not exciting hot tips that promise wealth without effort or patience.
Ignoring Fees, Rules, and Liquidity Completely
Brokerage fees, fund management charges, account maintenance costs, early encashment penalties add up faster than you expect, quietly eating your returns.
A fund charging 2.5% annually versus one charging 1% makes enormous difference over decades even if gross returns look similar. Read the fine print. Understand total cost of ownership before committing.
Know the liquidity situation: can you actually sell this today without massive loss if emergency strikes? Some investments lock your money for years. Some charge harsh penalties for early withdrawal. Some simply have no buyers when you need to sell.
Paperwork matters legally even though it’s boring: proper KYC documentation, correct nomination so your family inherits easily if something happens to you, understanding tax implications to avoid surprises during returns filing.
Always verify scheme details from official Bangladesh Bank or BSEC sources, not rumors circulating in Facebook groups or tea stall conversations.
Trading Too Aggressively Instead of Holding Steady
Warren Buffett once said that investing should be like watching paint dry. If you want excitement, go to a casino. Investment should be boring.
Frequent trading costs you massively more than holding steady through normal market swings. Transaction costs accumulate. Taxes reduce returns. Emotional exhaustion leads to terrible decisions.
Multiple studies prove that active traders usually underperform passive investors over longer periods. The more you trade, the worse you typically do because you’re paying fees, taxes, and acting on emotion disguised as analysis.
Markets expect roughly one-third decline on average every five years. Fluctuation is completely normal, not catastrophic. Selling during dips and buying during peaks, the classic emotional trap, destroys wealth systematically.
Falling for Scams and Fake Advisors
Investment fraud targeting Bangladeshis remains a real threat requiring constant vigilance and healthy skepticism.
Pressure tactics demanding immediate decisions, demands for secrecy about your investment, promises of guaranteed returns impossible in legitimate markets, “insider information” requiring you to recruit others, these are blazing red flags.
Verify any investment opportunity through Bangladesh Bank, BSEC, or relevant regulatory authorities before transferring a single taka. Check if the institution is properly licensed and registered.
Bangladesh’s banking sector faced stress in 2024, with 11 banks requiring board reconstitution due to governance issues. Check your bank or institution’s stability, recent news, regulatory status before trusting them with your family’s future security.
The Bangladesh Context You Must Understand
Inflation Reality and Currency Pressure
Bangladesh’s economic landscape shapes your investment strategy whether you pay attention or not. Foreign reserves fell from 48 billion USD in 2021 to 20.4 billion in March 2025, creating pressure on taka value and import capacity.
According to Bangladesh Bank’s economic data, inflation rates have consistently exceeded savings account returns, making the wealth erosion we discussed earlier a documented, measurable crisis affecting millions.
Taka depreciation affects your investment returns differently depending on asset type. Dollar-denominated assets gain in taka terms as currency weakens. Domestic equities face input cost pressure but exporters benefit. Understanding these dynamics helps you position correctly.
Recent remittance flow stabilization offers hope that reserves will rebuild, but volatility remains a genuine risk requiring diversification across asset types and periodic rebalancing.
Political Transition and Economic Stability
The 2024 regime change initially created uncertainty and short-term market volatility as expected during major political transitions anywhere in the world.
However, foreign direct investment actually grew nearly 20% recently, suggesting international investors see Bangladesh’s trajectory as promising despite headline noise about government changes and institutional reforms.
Professor Yunus’s interim government focused specifically on economic reforms, institutional rebuilding, improving law and order which directly impacts investor confidence and market stability.
Stay informed about policy changes and economic developments, but don’t panic sell during political news cycles. Markets price in most known information quickly. Your long-term plan should withstand normal political transitions in any democracy.
LDC Graduation 2026: What It Means For You
Bangladesh officially graduates from Least Developed Country status in 2026, bringing both challenges and opportunities that directly affect your investment landscape.
Loss of preferential duty-free market access and concessional development loans creates short-term adjustment pressures, particularly for export-oriented sectors that benefited from special treatment.
But graduation simultaneously signals enhanced global image, potentially attracting more serious long-term foreign investors who previously avoided LDC markets. Credit rating improvements could lower borrowing costs for businesses and government.
Prepare mentally and financially for initial adjustment shocks in some sectors. Export industries may struggle initially adapting to new competitive realities. Long-term trajectory remains upward despite inevitable short-term bumps.
Conclusion
You’ve walked from that quiet anxiety about stagnant savings losing value silently to seeing investment as your necessary partner in building real financial security for tomorrow. The emotional shift from “What if I lose everything?” to “What can my money actually build if I give it time and direction?” changes everything about your financial future and your family’s prospects.
Remember this fundamental truth: investment isn’t about being fearless or getting rich overnight through clever tricks. It’s about being prepared, being consistent, being patient while protecting your family’s future from inflation’s silent, relentless theft. In a world where prices rise inexorably and life surprises you constantly with expenses you didn’t plan for, a calm systematic plan beats a clever gamble every single time without exception.
The markets will fluctuate unpredictably. The economy will cycle through ups and downs. Political changes will create temporary uncertainty. But every single day you delay starting is another day inflation wins by default while you watch your purchasing power disappear. Your first actionable step today: calculate exactly how much inflation has cost you over the last 12 months by comparing what your savings could buy then versus now, write that number down where you’ll see it, feel that loss deeply and honestly, then open a separate savings account you label “My Investment Fund” and set up an automatic monthly transfer of just 1,000 taka starting next salary day. You’re not buying any investment yet.
You’re simply building the habit, creating the discipline, breaking the paralysis that’s kept you stuck. When you feel steady and ready after a few months, compounding and consistency will do the heavy lifting over time while you focus on living your life. Your future self, maybe sitting comfortably at retirement or watching your child graduate debt-free from university, is counting on the choice you make right now, in this moment, today.
What Is Investment in Economics (FAQs)
What is the difference between saving and investing?
Yes, they’re completely different. Saving protects your money in safe, liquid accounts for emergencies and short-term needs, typically earning 3 to 5% in Bangladesh. Investing puts money into assets like Sanchayapatra, stocks, or mutual funds to grow wealth long-term, targeting returns of 10 to 15% that beat inflation. You need both: savings for security, investments for building purchasing power over years.
How much money do I need to start investing in Bangladesh?
No, you don’t need lakhs of taka. Sanchayapatra starts at 10,000 taka minimum investment. Some mutual funds accept monthly contributions as low as 1,000 to 2,000 taka. Opening a BO account for stocks works best with 20,000 to 30,000 taka initial capital to justify brokerage fees. Starting small with discipline beats waiting years for the “perfect” large amount.
Is investment risky or safe?
Both, depending completely on what you choose. Government treasury bills and Sanchayapatra are extremely safe, backed by Bangladesh government with guaranteed returns. Stocks carry higher risk with potential for losses but offer better long-term growth. Your risk level should match your timeline and comfort, not someone else’s strategy or hot tips from friends.
What are the best low-risk investments in Bangladesh?
Yes, several solid options exist. National Savings Certificates yield 11.83 to 12.55% with government backing and tax benefits. Treasury bills offer 11.35 to 11.60% for short terms with complete safety. Bank FDRs provide 8 to 9% with familiar banking relationships. These beat inflation while preserving capital for conservative investors prioritizing peace over maximum growth.
How does inflation affect my savings?
Yes, dramatically and silently. With inflation at 10%+ and savings accounts paying 4%, you lose 6% real purchasing power annually. That 100,000 taka sitting untouched for 5 years can now buy only what 60,000 to 65,000 bought originally. The number stays the same, but its value evaporates. Inflation is the hidden tax destroying wealth daily for millions who think they’re being financially responsible.