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Serbia
35
Moderate
Risk
Risk
#84
of 171
Safer
than 51% of currencies
36
global avg score
$826
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 5.4% 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
3.9%
Debt to GDP
Not available
GDP Growth
2.0%
Broad Money / GDP
53.0%
Banking & Stability
NPL Ratio
Not available
Reserve Months
6.2
Current Account
-4.9%
FX Volatility
2.0
Governance & Markets
Rule of Law
Not available
Black Market Premium
Not available
Capital Controls
14.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
managed float
Data Coverage
58.0%
Savings Impact Calculator
RSD
Holding cash in RSD3.9% inflation
RSD 826−RSD 174 (17% purchasing power lost)
Your RSD 1,000 buys 17% less in 5 years
What if you invested RSD 1,000 instead? (5yr, in RSD terms)
USD-denominated assets gain an additional ~0.9%/yr from expected RSD depreciation vs USD
Hold USD Cash
RSD 899
−RSD 101
-2.1%/yr net in RSD
S&P 500
RSD 1677
+RSD 677
range: RSD 769–RSD 3290
10% USD return + 0.9% FX · ±16% vol
Gold
RSD 1531
+RSD 531
range: RSD 441–RSD 4144
8% USD return + 0.9% FX · ±24% vol
Bitcoin
RSD 3162
+RSD 2162
range: RSD 192–RSD 18.8k
25% USD return + 0.9% FX · ±54% vol
All values in RSD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.9%/yr based on the inflation differential between Serbia (3.9%) 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: 2026-08-19