{"id":279796,"date":"2025-10-24T10:15:27","date_gmt":"2025-10-24T04:45:27","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=279796"},"modified":"2025-10-24T10:15:28","modified_gmt":"2025-10-24T04:45:28","slug":"why-relying-only-on-cash-savings-is-a-mistake","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/why-relying-only-on-cash-savings-is-a-mistake\/","title":{"rendered":"Why Relying Only on Cash Savings Is a Mistake"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#the-problem-with-cash-savings-inflation-erosion\">The Problem with Cash Savings: Inflation Erosion<\/a><\/li><li><a href=\"#why-cash-savings-alone-arent-enough-to-build-wealth\">Why Cash Savings Alone Aren\u2019t Enough to Build Wealth<\/a><ul><\/ul><\/li><li><a href=\"#the-long-term-impact-of-relying-on-cash-savings\">The Long-Term Impact of Relying on Cash Savings<\/a><ul><\/ul><\/li><li><a href=\"#the-psychological-comfort-of-cash-vs-the-risk-of-opportunity\">The Psychological Comfort of Cash vs. the Risk of Opportunity<\/a><ul><\/ul><\/li><li><a href=\"#the-role-of-diversification-in-reducing-risk\">The Role of Diversification in Reducing Risk<\/a><\/li><li><a href=\"#alternatives-to-relying-only-on-cash-savings\">Alternatives to Relying Only on Cash Savings<\/a><ul><\/ul><\/li><li><a href=\"#how-to-start-investing-even-if-you-have-limited-savings\">How to Start Investing Even if You Have Limited Savings<\/a><\/li><li><a href=\"#the-power-of-compound-interest\">The Power of Compound Interest<\/a><\/li><li><a href=\"#conclusion-start-making-your-savings-work-harder\">Conclusion \u2014 Start Making Your Savings Work Harder<\/a><\/li><li><a href=\"#fa-qs-on-why-relying-only-on-cash-savings-is-a-mistake\">FAQs on Why Relying Only on Cash Savings Is a Mistake<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Imagine putting your money in a savings account and allowing it to sit there without any activity, earning just about enough interest to buy you a cup of coffee for the whole year. It definitely seems like a sort of a secure investment, doesn&#8217;t it? But the sad story doesn&#8217;t end here \u2014 the money that was thought to be &#8220;safe&#8221; is actually losing its power gradually.<\/p>\n\n\n\n<p>Having some cash stashed is a sure way to be financially stable. It gives you security in case of <a href=\"https:\/\/trybeem.com\/blog\/budgeting-for-medical-emergencies\/\" target=\"_blank\" data-type=\"post\" data-id=\"272294\" rel=\"noreferrer noopener\">emergencies<\/a>, makes payment of bills and gives you peace of mind that you have the possibility of spending. However, one of the major financial blunders people do is to rely solely on cash savings.<\/p>\n\n\n\n<p>The problem is very straightforward but at the same time dangerous \u2014 cash does not grow. Inflation always has a way of taking its toll on cash besides the fact that it encourages little or no money in banks at all. In other words, if you have money today for say $100, you can buy less than that same amount next year. Thus, an approach that seems to be safe can, in reality, be gradually withdrawing your wealth.<\/p>\n\n\n\n<p>This article will discuss the reasons why relying only on cash savings is a mistake, how inflation is gradually taking power out of your finances and what better strategies like <a href=\"https:\/\/apps.apple.com\/us\/app\/line-instant-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a> can assist you in growing and protecting your money for a long period.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-problem-with-cash-savings-inflation-erosion\">The Problem with Cash Savings: Inflation Erosion<\/h2>\n\n\n\n<p>Inflation is the invisible force that reduces the value of your money every year. Even a small 3% inflation rate means your cash loses 3% of its purchasing power annually. That might not sound like much, but over a decade, the difference becomes huge.<\/p>\n\n\n\n<p>For instance, if you have \u20b910,00,000 sitting in a savings account earning 2% interest, after 10 years, it will grow to around \u20b912,00,000. Sounds great \u2014 until you realize that inflation may have pushed prices up by 30%. In real terms, your money can now buy <em>less<\/em> than it could when you started.<\/p>\n\n\n\n<p>That\u2019s why relying entirely on <a href=\"https:\/\/trybeem.com\/blog\/tag\/chase-savings-accounts\/\" target=\"_blank\" data-type=\"post_tag\" data-id=\"9440\" rel=\"noreferrer noopener\">savings accounts<\/a> is risky. You may feel comfortable seeing your balance stay the same \u2014 but in reality, it\u2019s shrinking in value.<\/p>\n\n\n\n<p>Solution: To preserve wealth, your savings should <em>grow faster than inflation.<\/em> This means investing a portion of your money in assets that offer higher returns \u2014 like mutual funds, index funds, bonds, or real estate \u2014 so your wealth continues to build even as prices rise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-cash-savings-alone-arent-enough-to-build-wealth\">Why Cash Savings Alone Aren\u2019t Enough to Build Wealth<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-limited-growth-potential\">1. Limited Growth Potential<\/h3>\n\n\n\n<p>Traditional savings accounts offer very low interest \u2014 often between 1\u20133% annually. That\u2019s barely enough to match inflation, let alone grow your wealth. Even high-yield savings accounts don\u2019t usually exceed 4\u20135%.<\/p>\n\n\n\n<p>In contrast, <a href=\"https:\/\/trybeem.com\/blog\/mutual-funds-vs-index-funds-whats-the-difference\/\" target=\"_blank\" data-type=\"post\" data-id=\"134493\" rel=\"noreferrer noopener\">investments like mutual funds<\/a> or stock index funds can yield 7\u201310% or more over the long term.<\/p>\n\n\n\n<p>Example:<br>If you keep \u20b91,00,000 in a savings account for 10 years at 3% interest, it becomes \u20b91,34,000.<br>But if you invest the same amount in an index fund averaging 8% returns, it grows to nearly \u20b92,16,000.<\/p>\n\n\n\n<p>That\u2019s an \u20b982,000 difference \u2014 just by making your money work harder.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-opportunity-cost-of-stagnant-money\">2. Opportunity Cost of Stagnant Money<\/h3>\n\n\n\n<p>Every rupee sitting idle in a low-interest account represents missed potential. That\u2019s the <em>opportunity cost<\/em> \u2014 what you lose by not putting your money to better use.<\/p>\n\n\n\n<p>Money that could have been compounding in investments is instead stagnating in a savings account. Over time, those missed returns can make a significant difference to your net worth.<\/p>\n\n\n\n<p>Think of it this way \u2014 you wouldn\u2019t let a talented employee sit idle in your office doing nothing. So why let your money do the same?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-limited-retirement-savings\">3. Limited Retirement Savings<\/h3>\n\n\n\n<p>Cash savings might seem like a <a href=\"https:\/\/trybeem.com\/blog\/how-to-measure-your-retirement-readiness\/\" target=\"_blank\" data-type=\"post\" data-id=\"276624\" rel=\"noreferrer noopener\">safe path to retirement<\/a>, but they won\u2019t get you far. Without the power of compound growth, you\u2019ll need to save far more to reach your goals.<\/p>\n\n\n\n<p>For example, if you aim to have \u20b92 crore for retirement and rely only on cash savings at 3% interest, you\u2019ll have to contribute huge amounts every year. But if your investments earn 8%, you\u2019ll need much less to reach the same goal.<\/p>\n\n\n\n<p>Tax-advantaged accounts such as 401(k)s, IRAs, or PPFs help your savings grow faster because the earnings are either tax-deferred or tax-free.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-long-term-impact-of-relying-on-cash-savings\">The Long-Term Impact of Relying on Cash Savings<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-lower-financial-security\">1. Lower Financial Security<\/h3>\n\n\n\n<p>A savings-only approach can make you feel secure in the short term \u2014 but it reduces <a href=\"https:\/\/trybeem.com\/blog\/overcoming-financial-perfectionism\/\" target=\"_blank\" data-type=\"post\" data-id=\"275402\" rel=\"noreferrer noopener\">financial security<\/a> in the long run. As your money loses value, you\u2019ll need more savings to maintain the same lifestyle.<\/p>\n\n\n\n<p>If your goal is to retire comfortably, send your kids to college, or buy a home, cash savings alone won\u2019t bridge that gap.<\/p>\n\n\n\n<p>Example:<br>You might think \u20b950 lakh today is enough for the future, but in 20 years, due to inflation, that may only have the purchasing power of \u20b925 lakh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-increased-risk-of-running-out-of-money\">2. Increased Risk of Running Out of Money<\/h3>\n\n\n\n<p>People often associate investing with risk \u2014 but ironically, not investing can be riskier. Without growth, you risk <em>running out of money<\/em> later in life.<\/p>\n\n\n\n<p>Investing in a balanced mix of stocks, bonds, and real estate can help your savings outpace inflation, giving you more financial security in the long term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-missed-tax-benefits-from-investment-accounts\">3. Missed Tax Benefits from Investment Accounts<\/h3>\n\n\n\n<p>When you rely solely on cash savings, you lose access to <a href=\"https:\/\/trybeem.com\/blog\/tax-refund-estimator-calculator\/\" target=\"_blank\" data-type=\"post\" data-id=\"258804\" rel=\"noreferrer noopener\">powerful tax advantages<\/a> offered by investment accounts.<\/p>\n\n\n\n<p>For example, retirement accounts like IRAs or 401(k)s in the U.S. \u2014 or PPF and ELSS funds in India \u2014 offer tax-deferred or tax-free growth. That means your money compounds faster because you\u2019re not paying taxes every year on earnings.<\/p>\n\n\n\n<p>Cash savings, on the other hand, offer no such advantage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-psychological-comfort-of-cash-vs-the-risk-of-opportunity\">The Psychological Comfort of Cash vs. the Risk of Opportunity<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-illusion-of-security\">The Illusion of Security<\/h3>\n\n\n\n<p>Cash feels safe \u2014 you can see it, touch it, and withdraw it anytime. But this sense of control can be misleading. Inflation, low returns, and lack of compounding make it a <em>quietly losing strategy.<\/em><\/p>\n\n\n\n<p>In contrast, investing might feel uncertain, but with the right strategy, it offers far more stability over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fear-of-loss-vs-missing-out-on-growth\">Fear of Loss vs. Missing Out on Growth<\/h3>\n\n\n\n<p>Many people avoid investing because they fear losing money in the market. However, history shows that long-term investors generally see steady gains.<\/p>\n\n\n\n<p>For example, the S&amp;P 500 index has averaged about 8\u201310% annual returns over several decades. Short-term fluctuations are normal, but long-term growth is consistent.<\/p>\n\n\n\n<p>The real loss isn\u2019t from market dips \u2014 it\u2019s from not investing at all.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"lack-of-knowledge-about-investment-options\">Lack of Knowledge About Investment Options<\/h3>\n\n\n\n<p>Some people avoid investing simply because they don\u2019t know where to start. But today, there are simple, low-risk investment options even beginners can explore \u2014 like index funds, ETFs, or balanced mutual funds.<\/p>\n\n\n\n<p>These tools offer diversification, low fees, and steady growth without requiring you to monitor the market daily.<\/p>\n\n\n\n<p>Solution: Educate yourself, start small, and gradually build confidence. <a href=\"https:\/\/trybeem.com\/blog\/how-aapi-students-can-improve-their-financial-literacy\/\" target=\"_blank\" data-type=\"post\" data-id=\"134616\" rel=\"noreferrer noopener\">Financial literacy<\/a> is the key to breaking the cycle of fear and stagnation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-role-of-diversification-in-reducing-risk\">The Role of Diversification in Reducing Risk<\/h2>\n\n\n\n<p>Diversification means spreading your money across multiple assets \u2014 stocks, bonds, real estate, and even some cash.<\/p>\n\n\n\n<p>This strategy reduces overall risk because when one asset underperforms, others may perform better. For example, when the stock market falls, bonds often rise, helping balance your portfolio.<\/p>\n\n\n\n<p>Relying only on cash savings eliminates diversification entirely \u2014 all your money is concentrated in a low-return, inflation-prone asset.<\/p>\n\n\n\n<p>Example:<br>Imagine investing \u20b95 lakh \u2014 \u20b92 lakh in stocks, \u20b92 lakh in bonds, and \u20b91 lakh in savings. If stocks drop 5%, bonds may still yield 3%, helping offset losses and stabilize your overall return.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"alternatives-to-relying-only-on-cash-savings\">Alternatives to Relying Only on Cash Savings<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"high-yield-savings-accounts-hys-as\">High-Yield Savings Accounts (HYSAs)<\/h3>\n\n\n\n<p>If you want liquidity and safety, high-yield savings accounts are a great starting point. They offer higher interest rates (often double or triple traditional savings accounts) and can help your money keep up with inflation.<\/p>\n\n\n\n<p>These are ideal for <a href=\"https:\/\/trybeem.com\/blog\/short-term-rentals-vs-committing-to-a-mortgage\/\" target=\"_blank\" data-type=\"post\" data-id=\"275918\" rel=\"noreferrer noopener\">emergency funds or short-term goals.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"certificates-of-deposit-c-ds\">Certificates of Deposit (CDs)<\/h3>\n\n\n\n<p>CDs (or Fixed Deposits, as they\u2019re known in India) are another safe option. They offer guaranteed returns higher than regular savings accounts, especially if you commit to a fixed term.<\/p>\n\n\n\n<p>However, they\u2019re less liquid \u2014 you\u2019ll pay a penalty for early withdrawal. CDs are perfect for those who want steady, low-risk returns without daily management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"stocks-bonds-and-et-fs\">Stocks, Bonds, and ETFs<\/h3>\n\n\n\n<p>For long-term goals, investing in stocks, bonds, or ETFs (Exchange-Traded Funds) provides the best growth potential.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stocks offer ownership in companies and the highest potential returns.<br><\/li>\n\n\n\n<li>Bonds provide stability and consistent interest.<br><\/li>\n\n\n\n<li>ETFs combine both \u2014 giving diversification at a low cost.<br><\/li>\n<\/ul>\n\n\n\n<p>By investing a portion of your savings here, you balance growth and security effectively.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"real-estate-investments\">Real Estate Investments<\/h3>\n\n\n\n<p>Real estate remains one of the most powerful ways to build wealth. It offers property appreciation and rental income, providing both short- and long-term returns.<\/p>\n\n\n\n<p>While it requires more upfront capital, <a href=\"https:\/\/trybeem.com\/blog\/is-real-estate-a-good-side-hustle\/\" target=\"_blank\" data-type=\"post\" data-id=\"266899\" rel=\"noreferrer noopener\">real estate investments<\/a> can diversify your portfolio beyond financial markets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-start-investing-even-if-you-have-limited-savings\">How to Start Investing Even if You Have Limited Savings<\/h2>\n\n\n\n<p>Many people think investing is only for the wealthy \u2014 but that\u2019s a myth. You can start with small amounts and grow gradually.<\/p>\n\n\n\n<p>Step 1: Keep an emergency fund of 3\u20136 months\u2019 expenses in your savings account.<br>Step 2: Invest a fixed percentage of your income every month \u2014 even \u20b92,000\u2013\u20b95,000 is a good start.<br>Step 3: Choose low-cost, diversified options like index funds or ETFs.<br>Step 4: Automate your investments so you stay consistent, even when life gets busy.<br>Step 5: Reassess your portfolio yearly and adjust as your goals evolve.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-power-of-compound-interest\">The Power of Compound Interest<\/h2>\n\n\n\n<p>Compound interest is what makes investing so powerful. It allows your earnings to generate their own earnings over time.<\/p>\n\n\n\n<p>Here\u2019s how it works:<br>If you invest \u20b95,000 a month at a 7% annual return, in 20 years you\u2019ll have about \u20b925 lakh. But if you started just five years later, you\u2019d end up with only \u20b916 lakh.<\/p>\n\n\n\n<p>The lesson? Time is your greatest asset. The sooner you start investing, the more you benefit from compounding.<\/p>\n\n\n\n<p>Relying only on cash savings means missing this exponential growth \u2014 the difference between financial comfort and true wealth.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion-start-making-your-savings-work-harder\">Conclusion \u2014 Start Making Your Savings Work Harder<\/h2>\n\n\n\n<p>Relying solely on cash savings may seem safe but it is in fact a slow drain on your financial future. Inflation eats away your wealth, opportunity costs rise and your long-term goals become harder to achieve.<\/p>\n\n\n\n<p>By diversifying your approach &#8211; combining savings with smart investments &#8211; you can protect your money, beat inflation and achieve long-term financial freedom.<\/p>\n\n\n\n<p>Learn about\u00a0<strong><a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Beem\u2019s Everdraft\u2122 Instant Cash<\/a><\/strong>\u00a0helps. With up to $1,000 available instantly (no credit checks or interest), you can cover small growth expenses, like ad tests, paid tools, or bonus incentives, and repay once sponsorship or affiliate income lands.<\/p>\n\n\n\n<p>Start small, keep consistent and allow time and compounding to work in your favor. The best time to invest was yesterday; the second-best time is today. Download the Beem app <a href=\"https:\/\/apps.apple.com\/us\/app\/line-instant-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fa-qs-on-why-relying-only-on-cash-savings-is-a-mistake\">FAQs on Why Relying Only on Cash Savings Is a Mistake<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1761280247095\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Why is relying on cash savings a mistake?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Because cash doesn\u2019t grow fast enough to beat inflation, meaning its real value declines over time. Investing helps your money grow while maintaining purchasing power.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761280247927\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What\u2019s the best alternative to cash savings?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Diversify \u2014 use a mix of high-yield savings accounts, bonds, mutual funds, and real estate for both safety and growth.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761280269796\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is it risky to start investing with limited savings?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not if you start with diversified, low-cost investments like index funds or ETFs. Small, consistent investments over time can yield strong results.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761280277831\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How much should I save before I start investing?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Build an emergency fund of 3\u20136 months of expenses, then begin investing whatever extra you can comfortably contribute each month.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761280284866\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I still keep some savings in cash?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Keep short-term and emergency funds in cash or liquid savings, but allocate the rest toward investments for long-term growth.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Imagine putting your money in a savings account and allowing it to sit there without any activity, earning just about enough interest to buy you a cup of coffee for the whole year. It definitely seems like a sort of a secure investment, doesn&#8217;t it? But the sad story doesn&#8217;t end here \u2014 the money [&hellip;]<\/p>\n","protected":false},"author":80,"featured_media":279809,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2309],"tags":[4790,17490,3925,1967,437,168,17489],"edited-by":[],"class_list":["post-279796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-beem","tag-cash-savings","tag-hysas","tag-inflation","tag-investment-options","tag-money-matters","tag-why-relying-only-on-cash-savings-is-a-mistake"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/279796","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=279796"}],"version-history":[{"count":7,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/279796\/revisions"}],"predecessor-version":[{"id":283330,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/279796\/revisions\/283330"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/279809"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=279796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=279796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=279796"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=279796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}