egyptians Weigh Gold vs. Certificates as Interest Rates Fall
Cairo, Egypt – November 24, 2025 - Faced with a 6.25% reduction in interest rates throughout 2025, Egyptian citizens are actively reevaluating investment strategies, particularly concerning the allocation of funds between high-yield savings certificates and gold. A recent surge in inquiries reflects a growing need to secure financial futures amid economic shifts. The decision impacts individuals seeking to maximize returns on a 100,000 Egyptian pound investment over a three-year period, a common savings goal for many families.
The declining appeal of conventional savings accounts, coupled with fluctuating gold prices, has prompted a comparative analysis of bank certificates and gold bullion as viable options. Many are considering a split investment – 50,000 pounds in certificates and 50,000 pounds in gold – to diversify risk and perhaps capitalize on future market movements. This comes as demand for gold has recently decreased, according to reports.
Currently, the National Bank of Egypt and Banque Misr offer the most competitive fixed-return savings certificates at 17% annually for a 36-month term. An investment of 50,000 pounds in such a certificate yields a monthly return of 708 pounds. This guaranteed return provides a stable, risk-free avenue for personal savings growth.
Alternatively, investors can allocate 50,000 pounds to purchase gold. A strategy gaining traction involves acquiring three 2.5-gram gold bullion bars, currently priced at 16,000 pounds per bar. This approach anticipates a potential increase in gold prices driven by rising global demand, offering a speculative chance for capital gratitude. The choice between these options hinges on an investor’s risk tolerance and expectations for future economic conditions.
