adevarul.ro/economie/fidelis-dobanzi-de-pana-la-77

In November, Fidelis government bonds offer interest rates up to 7.75% in RON and 6.60% in EUR. However, comparing these rates with bank deposits reveals that a non-taxable yield does not guarantee the highest profit. For a 10,000 RON investment over two years, Fidelis yields 1,320 RON, while a TBI Bank deposit at 7.50% provides 1,350 RON. The difference favors the deposit by 30 RON. Fidelis interest is tax-free, unlike bank interest, which is subject to a 10% tax. Early withdrawal from Fidelis can lead to losses if market rates rise, while bank deposits may lose interest if withdrawn early. Inflation also affects real returns, making net gains and individual circumstances crucial for comparison.