Your fixed value savings

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Inflation-proof saving with B of Joy

Saving in Euro’s

When you save in euro’s for a minimum five year term you will receive, because of inflation effects on the euro, an annual wage-and price compensation payment. This compensation is equal to the average annual wage increase in the Netherlands. In this way your savings retain their value (purchasing power). For 2013 this would amount to +/- 2,5% yearly. Regular banks gave, on average 1,83% in 2013. This means: Your savings are losing value when you keep them with a regular bank.


Saving in URAs

To start with Euros can be exchanged into URAs at an exchange rate of one to one. As the turnover from euros to URAs increases, so does the investment programme for underlying assets. The URA will then enter phase 2. The value of the URA will rise against the euro. The URA is an internal currency that the B of Joy members use freely among themselves. The URA is more stable in value than gold. This is because all investments under and with the URA are placed in the real economy. These investments provide a fixed, financial, environmental, emotional and social return (f.e.e.s) on capital over a period of five years. More info about the URA.


B of Joy’s Sustainable and socially responsible investments are:

  • Affordable housing through the development of empty buildings and new ecological buildings.
  • In just entrepreneurship and (young) people that will achieve a positive change (transition).De waardevaste munt URA
  • Biological foods through permaculture, the extraction of pure irrigation- and drink water.
  • Clean energy, such as hydro-power, solar-and wind energy, hydrogen en hydrogen gas.
  • Technical innovation, Small and Medium Enterprise (SME) and local economy’s.
  • Preventive health care and new methods that will help cure disease.

Saving with B of Joy in brief

  • Members of B of Joy can save in either Euro’s or URAs.
  • Online, 7 days a week, 24 hours a day, access to your savings account.
  • Investments only in sustainable, socially responsible (local) economy’s.
  • You receive an annual account specification for your income tax return.
  • After acquiring a banking permit, no minimum deposit amount required.
  • You have the option of being able to withdraw savings without any limitations.
  • Long-term savings invested for sustainable goals for a minimum of five years will give an extra yield.
  • Standard annual payment wage- and price compensation when saving for a fixed (minimum) 5 year term.
  • Savings in URAs are more stable than gold, thanks to investments in the real economy, the wage- and price compensation and variable yields.

The Blue Economy and other ideas that the B of Joy members put forward in the general meeting. For example: A 30 year investment in solar-energy will give about 3% to 4% yield a year on your savings-investment account. That means more security in the accumulation of funds in relation to your current pension scheme. The investments are of service to people who will use them. 

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