Saving is always a good habit, but in a country like Spain, where prices have steadily increased, the key question is not just how much you save, but how well that money holds its value.
Let’s look at a real comparison. What if in 2015 you saved 10,000 € in cash versus saving the same amount in gold?
Option 1: Saving 10,000 € in Cash (Spain, 2015–2025)
Keeping money in a bank account might seem safe. But inflation works silently.
According to Spain’s National Statistics Institute (INE), the average inflation rate in Spain was around 2.2 percent annually over the past decade.
That means your 10,000 € today is worth only about 7,800 € in real purchasing power.
To put this in perspective:
Rent for a 50 m² apartment has increased from around 350 € to over 650 € per month
A basic fast food meal rose from 6–7 € to over 9 €
Groceries, energy, and transportation all became significantly more expensive
Even if your savings account added a little interest, your real spending power has gone down.
Option 2: Saving 10,000 € in Gold
Now imagine you saved the same 10,000 € in gold in 2015.
Gold price in 2015 was approximately 31.50 € per gram
You could have purchased about 317 grams of gold
In 2025, gold trades at about 91.00 € per gram
Your gold would now be worth 317 g × 91 € = 28,847 €
That is almost three times your original savings.
Today, that amount could help you:
Cover over a year of rent in most Spanish cities
Make a solid down payment on a home
Buy a brand-new car in full
Why Gold Performed Better
Gold is more than a metal. It is a proven store of value that performs well during economic uncertainty. While euros in a bank lose value to inflation, gold tends to:
Hold its global value
React positively to market stress
Protect your purchasing power over time
That is why both central banks and individual savers trust it.
Start Saving Smarter with Phi Wallet
With Phi Wallet, you can:
Buy gold starting from just a few euros
Track your value as gold prices evolve
Access your savings easily, securely, and digitally
It works like a savings account, but it protects your money better. So, if your goal is to protect what you save and give it the chance to grow, gold is the smarter choice.
Protect your future. Save in gold with Phi Wallet.
