How to protect money in inflationary countries?
Interest doesn't create wealth; it just slows down the pace of becoming poor.
Keeping 1 million TL in a single basket (just deposits) is like gambling with your principal.
Diversify your portfolio, or you’ll fade away.
Why isn’t interest enough?
Policy rate is 37%.
Inflation (April) is 32.37%.
Real return? Low on paper, risky in practice. Dollar is hovering around 46 TL, and TL continues to erode in the long run.
Single asset = single risk.
Multiple assets = chance of survival.
2/ Practical portfolio suggestion for 1 million TL
35% Currency (USD/EUR) as a direct shield against TL depreciation
25% Gold (physical + ETF) as an inflation + geopolitical hedge
20% Stocks/ETFs BIST global index (real growth opportunity)
15% Deposit Bonds for liquidity
5% Others (silver, real estate, crypto for extra diversification)
Rebalance every 6 months.
Currency and gold have provided the best protection in Turkey for years.
ETFs bring diversification at low cost.
You’re not solely dependent on interest.
#FinancialFreedom #Gold #Dollar
Interest doesn't create wealth; it just slows down the pace of becoming poor.
Keeping 1 million TL in a single basket (just deposits) is like gambling with your principal.
Diversify your portfolio, or you’ll fade away.
Why isn’t interest enough?
Policy rate is 37%.
Inflation (April) is 32.37%.
Real return? Low on paper, risky in practice. Dollar is hovering around 46 TL, and TL continues to erode in the long run.
Single asset = single risk.
Multiple assets = chance of survival.
2/ Practical portfolio suggestion for 1 million TL
35% Currency (USD/EUR) as a direct shield against TL depreciation
25% Gold (physical + ETF) as an inflation + geopolitical hedge
20% Stocks/ETFs BIST global index (real growth opportunity)
15% Deposit Bonds for liquidity
5% Others (silver, real estate, crypto for extra diversification)
Rebalance every 6 months.
Currency and gold have provided the best protection in Turkey for years.
ETFs bring diversification at low cost.
You’re not solely dependent on interest.
#FinancialFreedom #Gold #Dollar