Deposit vs. Short-Term Bonds in EU-HB-PP 💰

[frugal]

Hey everyone!

I’ve had short-term bonds in the EU-HB-PP cash portion for years, but with interest rates where they are, I’m starting to feel like I’m just losing money. Meanwhile, term deposits are offering around 2%, which seems like a much better deal.

Has anyone considered switching?

Are there any downsides I might be missing?

Would love to hear your thoughts!

Thanks in advance!

[frugal]

Bonds vs. Term Deposits

– What’s Your Move?

With rates where they are, term deposits in Europe (≈2%) and high-yield options in the U.S. seem more attractive than short-term bonds.

Are you sticking with bonds or shifting your cash allocation?

Would love to hear your take!