LOW RISK-LOW RETURN : Like fixed deposit there is no chance of losing your money. Since it is low risk and low return investment, 5%-10% return will be available and not more than that. But in case of fixed deposit, you have to keep money in such a bank, of course the bank is approved by the government.
For this one, in fact, if we research and understand that the value of our money stored in the bank has fallen considerably due to inflation in a few years and even the interest we get is not proportional to the decrease in value that occurs in the fiat that we save. So even though it looks like a low risk, I personally see no benefit from this one. But if it's fiat like USD then maybe well we can still benefit. But for fiats in several developing countries, in fact, many of them experience a decline in annual value, which can exceed 10%. Even last year I could buy instant noodles for Rp. 1500, - (0.1USD). But today I have to buy instant noodles for Rp.3000,- (0.2USD). Try to guess what percentage of the decline in the value of the fiat that I hold and what percentage of the increase occurs in the products I buy due to the inflation. And imagine if in one year I save my money in the bank. And this year I took and I spent. So if last year I could buy 2 items, this year I can only buy 1 item.
So after this I really don't dare to keep money in the bank for a long time. I use the bank only for transactions. Because transactions via banks are still comfortable to use and the bank system is increasingly practical and fast in this regard. And when it comes to investing, it's better to do something else. Or if you want to save the value of our assets then storing it in gold is the best.