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Maldives
39
Moderate
Risk
Risk
#53
of 171
Riskier
than 69% of currencies
36
global avg score
$822
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 5.5% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.0%
Debt to GDP
57.3%
GDP Growth
6.3%
Broad Money / GDP
60.2%
Banking & Stability
NPL Ratio
5.7%
Reserve Months
1.3
Current Account
-18.7%
FX Volatility
0.5
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
32.0
Peg Fragility
44.8
Currency Structure
Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
83.0%
Savings Impact Calculator
MVR
Holding cash in MVR4.0% inflation
MVR 822−MVR 178 (18% purchasing power lost)
Your MVR 1,000 buys 18% less in 5 years
What if you invested MVR 1,000 instead? (5yr, in MVR terms)
USD-denominated assets gain an additional ~1.0%/yr from expected MVR depreciation vs USD
Hold USD Cash
MVR 904
−MVR 96
-2.0%/yr net in MVR
S&P 500
MVR 1685
+MVR 685
range: MVR 774–MVR 3305
10% USD return + 1.0% FX · ±16% vol
Gold
MVR 1539
+MVR 539
range: MVR 444–MVR 4162
8% USD return + 1.0% FX · ±24% vol
Bitcoin
MVR 3177
+MVR 2177
range: MVR 194–MVR 18.9k
25% USD return + 1.0% FX · ±54% vol
All values in MVR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.0%/yr based on the inflation differential between Maldives (4.0%) 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: 2026-08-17