There is a quiet cost to playing safe with money in Nigeria today. It is not market volatility or daily price swings. It is the slow erosion that comes from leaving cash idle in a high-inflation economy. In 2026, holding money still is no longer neutral, it is an active decision to lose value.
Nigeria closed 2025 with headline inflation at 15.15 percent. Savings accounts earn interest, but when returns fall below this level, purchasing power still declines. Money in ordinary savings accounts may rise slightly in nominal terms, yet in real te
