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And once again, it comes down to risk. Your bank pays a high interest rate, because your economy is up shit creek. They are poorly rated and as a result contain RISK.

This is the entire point. If you do 11% every year for 14 years and then lose 99% on the 15th year, then it is not worthwhile.

@longfield98 does not use South African banks - neither do I

Our banks pay us these rates because this is what normal is.
I dont want to tell you what to do with your money @forexbrokr but if you cannot find these deals i suppose you are looking in the wrong place.