Potential loss by savings in the bank.
Estimated loss:iLoss shows the estimated reduction in your cash's real (inflation-adjusted) value over the selected timeframe.€-
Potential gain by investing instead.
Estimated gain:iGain shows the estimated difference between the 'Outcome' value and 'savings in the bank' over the selected timeframe (inflation-adjusted).€-
Figures are shown in today's money, adjusted for inflation to reflect real purchasing power.
savings in the bank
€-
Value after 10 years @ 0.25% with 2.7% inflation
— Vs —
Outcome
€-
Value after 10 years @ 5.0% with 2.7% inflation
€
Recommended*iLonger investment timeframes can help smooth out short term market ups and downs.
Important Warnings
The value of your investment may go down as well as up.
If you invest in this product, you may lose some or all of the money you invest.
These figures are estimates only and are not a reliable guide to future performance.
Returns may be affected by changes in currency exchange rates.
Assumptions
- Figures are illustrative and provided for guidance only.
- Deposit interest rate assumed: 0.25% per annum.
- Inflation rate assumed: 2.7% per annum (Irish Consumer Price Index, February 2026).
- Investments are assumed to commence at the beginning of the year.
- Management charges, fees and taxes are excluded from the calculations.
Methodology
- Values are shown on an inflation-adjusted basis.
- Outcomes are informed by Unio Capital Market Assumptions (December, 2025), which are developed using long-term institutional capital market expectations from multiple global investment partners. Expected returns of 5% are assumed for balanced portfolios (conventionally a 60:40 equity–bond mix).
