b. to keep where it is safe?
c. to make it grow?
If your answer leans more towards letter C, then do you really think that THAT growth will become yours or just the banks? Definitely, the bank will earn money from your money - they will lend it at an interest rate 15 to 20% more than they're giving you for keeping it there in the first place.
That aside, how much is your money earning in the bank EXACTLY? If it's in savings, then that's from 0.05 to 1% p.a., and if it's in time deposit then it's 3 to 6% p.a. NOW, what is the country's inflation rate? It's 2.6 % for last month. That means that the REAL INTEREST RATE of your money in the bank is a negative 1.6 to 2.05%!!!
In other words, my friend, your money in the bank is actually LOSING 1.6 to 2.05% of its value every year!!!
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