Stocks VS Bank deposit Stocks The long-term average annual return for the U.S. stock market, typically measured by the[S&P 500](https://www.fidelity.com/learning-center/trading-investing/sp-500-average-return), is approximately **10%** before inflation. When adjusted for inflation, the real return is generally closer to **6%–7%** per year. These figures represent long-term averages; annual performance frequently fluctuates significantly above or below this average. Bank deposit Although average annual return for the U.S. bank deposit is much lower, I know banks in other countries which give annual return similar to US stocks, something around 9-10% annually. I am talking about legitimate banks with years of history, not some scam. Some fixed amount is even guaranteed by governments, so in case something happens with the bank, government covers partially.…