There's also real yield to account for. If rates are 0% and inflation is 2%, real yield is -2%. If rates are 5% but inflation is 7%, real yield is still -2%. Bu

There's also real yield to account for. If rates are 0% and inflation is 2%, real yield is -2%. If rates are 5% but inflation is 7%, real yield is still -2%. Buying power is being lost even if the numbers in your account are going up.