Guaranteed to lose money

One of the surest ways to lose money is to surrender it to this "imaginary robber" called inflation, at least for now and in the coming near and mid-term.

If we were to roll back to 1986-7, putting money in fixed deposit accounts would be a good way of hedging against inflation, as the F.D rates were very good, ranging between 4.5% to 5.3% p.a; coupled with low inflation, ranging -1.4% to 0.5%, the nett result is a considerably high real interest return. See graph below (yellow line shows real interest returns)
**By the way, Real Interest Rate = Nominal Interest Rate minus Inflation (Expected or Actual)**Looking at the graph, we probably have first occurrence of this situation of negative real interest returns since 2004. And looking at recent high quarterly inflation reports from SGP MTI, it seems this year's real interest returns would be in the range of -3.0% to -5.0%.