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MAD

Moroccan Dirham

MAD · Morocco

31
Moderate
Risk
Historical Scores
283542Jul 2021Jul 2023May 2026
What does this mean for you?

The Moroccan Dirham is in decent shape overall, scoring 31 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You only need about 2.5%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
1.0%
Debt / GDP
51.2%
GDP Growth
3.8%
FX Volatility
3.3
Governance
Not available
Reserves
5.3 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Economy is growing healthily
What to watch out for
No major concerns
Full Morocco analysis →

Savings Impact Calculator

MAD
Holding cash in MAD1.0% inflation
MAD 952−MAD 48 (5% purchasing power lost)
Your MAD 1,000 buys 5% less in 5 years
What if you invested MAD 1,000 instead? (5yr, in MAD terms)
Hold USD Cash
MAD 859
−MAD 141
-3.0%/yr net in MAD
S&P 500
MAD 1611
+MAD 611
range: MAD 734–MAD 3176
10% USD return + 0.0% FX · ±16% vol
Gold
MAD 1469
+MAD 469
range: MAD 418–MAD 4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
MAD 3052
+MAD 2052
range: MAD 180–MAD 18.4k
25% USD return + 0.0% FX · ±54% vol

All values in MAD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between Morocco (1.0%) 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.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how MAD ranks differently.
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