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there is a strong argument for moving away from cash savings towards investing in the stock market, which generally produces a greater, inflation-beating return. This is only really suitable if you are prepared to lock your savings away for at least five to ten years. I explain in the next chapter how to go about investing for this longer term. For shorter-term savings, cash wins, but you need to give a bit of thought to where to put your cash to minimize by how much it may be eroded.