Fiat money is being printed left and right. I don't think the bull market is over. Unless you need the money for a purchase it will lose value if you keep it in fiat or try to save it in a bank account.
How can you lose Fiat value if someone keeps it in a bank? Isn't the value of each country's currency determined in the rules of each country? So how can the value just disappear without any other effect?
The buying power goes down because of inflation. In USA for example the dollar has lost 90% or more of it's value since 1913.
So $10,000 in 1914 was worth the equivalent of $267,979 in 2021.
Savings interest is almost zero. So if you leave $10,000 in a savings account at a bank it will not grow much. And 3 years from now (2024) that $10,000 will not be able to buy as much as it can today (2021).
https://smartasset.com/investing/inflation-calculator#IL3f4hR6Vf