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How to Invest: What Are the Risks of Leaving Your Money on Deposit?

Irish household wealth has hit a record €724,000 per family, yet 38 percent of assets sit in low‑yield deposits. The Central Bank reports Ireland has one of the lowest investment participation rates in Europe, with only about 2.3 percent in equities and bonds. Over €172 billion sits in cash, most earning below inflation, eroding real value. Experts warn that cultural habits, financial stress and tax complexity keep savers out of markets, but diversified investing can protect wealth and deliver returns above price rises.