Best Savings Products in Morocco 2026 — Full Comparator
This comparator simulates in real time all 9 main savings products available in Morocco
and ranks them by net-of-tax capital at your chosen horizon. Calculations apply the tax rules in force
under the Finance Act 2026.
- Safe products: Term deposit, Treasury bills, PEL — guaranteed return, near-zero risk
- Intermediate products: Bond fund, money market fund — regular income, low volatility
- Growth products: Casablanca Stock Exchange, equity fund — high potential, capital not guaranteed
- Tax-wrapper plans: PEA, PEE — full tax exemption after 5 years
How to read this comparator
Enter your initial capital, monthly contributions, and investment horizon.
The table updates instantly and ranks products from best to worst based on
final net-of-tax capital. Click "Simulate →" to explore the year-by-year
breakdown for any product.
PEA vs term deposit vs BVC shares: which to choose over 10 years?
Over 10 years with MAD 10,000 initial + MAD 500/month: BVC equities (~8%/year) or a PEA
(~7%/year after tax exemption) typically generate 2× to 3× more net capital than a term deposit
(~3%/year). But this comes with significant volatility. Use this comparator and adjust the duration
slider to visualise how the advantage of higher-risk products grows over time.
Are the returns shown guaranteed?
No, except for fixed-rate products (term deposit, PEL, Treasury bills). For equities, mutual funds,
and stock market products, the returns shown are indicative historical averages. Past performance
does not guarantee future results. This simulator is an educational tool — consult a financial
advisor or your bank before investing.
Individual product simulators
Sources: Bank Al-Maghrib — key rate and adjudications;
AMMC — OPCVM statistics;
Casablanca Stock Exchange — MASI performance.
Tax: General Tax Code, Finance Act 2026.
Results are indicative — not financial advice.