If you saved ₦100,000 last year.
Today, that same ₦100,000 can’t buy the same basket of groceries or even fill your fuel tank the way it used to.
That’s inflation—the silent thief that reduces your money’s value while you’re not looking.
Let’s break down what it means for your money and how you can fight back with Ladda by MoneyAfrica.
What Exactly Is Inflation?
Inflation simply means prices are rising.
When food, transport, rent, and even basic services cost more, your ₦100,000 today won’t go as far tomorrow.
So even if your money stays the same in your account, its purchasing power is shrinking.
It’s like running on a treadmill—you’re moving, but not getting anywhere.
How Inflation Affects Your Savings
Most savings accounts pay 3%–6% interest per year, but inflation in Nigeria has been over 20% lately.
That means your money is losing value in real terms.
You might think your money is safe, but every month, prices climb and your savings can’t keep up.
How Inflation Impacts Investments
Inflation also affects the real value of your investment returns.
If you earn 12% from an investment but inflation is 20%, your real return is –8%.
But not all assets suffer the same fate:
Stocks and real estate often adjust with inflation.
Treasury bills and bonds may lag unless rates rise.
Holding cash long-term is the worst option—it loses value fastest.
So, what’s the smart move?
You don’t need to be an expert—you just need a strategy that keeps your money growing faster than inflation.
That’s where Ladda comes in.
It’s more than a savings app; it’s your tool for financial protection and growth.
Here’s how Ladda helps you stay ahead:
- Regular Savings: Build consistent habits and earn competitive returns.
- Emergency Savings: Secure a safety net while still earning interest.
- Dollar Savings: Shield your wealth from naira depreciation with stable currency returns.
- Earn Interest Upfront: Get your interest immediately when you save, so your money starts working right away.
- Group Savings: Join others with shared goals and stay accountable.
- One-off Savings: Perfect for short-term goals—save big, earn fast.
- Treasury Bills: Access government-backed investments with guaranteed returns.
With Ladda, your money doesn’t just sit—it works.
Inflation isn’t just an economic term; it’s the reason your savings feel lighter every year.
But with the right tools, you can turn that challenge into an opportunity.
Don’t just save; save smartly.
Don’t just earn; earn ahead of inflation.
Ready to Get Started?
Protect your money. Grow your wealth.
Beat inflation… the smart way.
Download getladda.com by MoneyAfrica today and make every naira work harder than inflation.