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Bosnia and Herzegovina
29
Moderate
Risk
Risk
#127
of 171
Safer
than 26% of currencies
37
global avg score
$920
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 3.2% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓
Economic Indicators
Inflation Rate
1.7%
Debt to GDP
39.9%
GDP Growth
3.0%
Broad Money / GDP
73.1%
Banking & Stability
NPL Ratio
3.8%
Reserve Months
6.5
Current Account
-3.5%
FX Volatility
6.6
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
14.0
Peg Fragility
24.1
Currency Structure
Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
83.0%
Savings Impact Calculator
BAM
Holding cash in BAM1.7% inflation
BAM 920−BAM 80 (8% purchasing power lost)
Your BAM 1,000 buys 8% less in 5 years
What if you invested BAM 1,000 instead? (5yr, in BAM terms)
Hold USD Cash
BAM 859
−BAM 141
-3.0%/yr net in BAM
S&P 500
BAM 1611
+BAM 611
range: BAM 734–BAM 3176
10% USD return + 0.0% FX · ±16% vol
Gold
BAM 1469
+BAM 469
range: BAM 418–BAM 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
BAM 3052
+BAM 2052
range: BAM 180–BAM 18.4k
25% USD return + 0.0% FX · ±54% vol
All values in BAM. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Bosnia and Herzegovina (1.7%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Data last updated: 2026-05-21