When 100,000 euros are no longer enough: how to save your savings from inflation and low returns

Investment without borders: where capital stays alive

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The Bulgarian real estate market has changed faster than many expected. Once a symbol of security, today a garage in an outer district costs as much as a whole apartment a decade ago. In this context, the question is not whether to invest, but how to preserve the value of our money and build a stable future – beyond geographical and psychological borders.

At the beginning of 2026, Bulgaria will switch to payments in euros. This is not a hypothesis. This is a reality. And with it comes what the market has been sensing as tension for months – property prices are rising, and assets that seemed affordable yesterday are now beyond the reach of the average investor.

In the last 12 months alone, according to NSI data, the average price per square meter in Sofia has increased by 13.8%, and in some cities – like Plovdiv, Burgas, and Veliko Tarnovo – the pace even outpaces the capital. Expectations published by the Ministry of Finance and the BNB predict a further increase of at least 15% within the next year, as a result of euro integration, reduced interest rates, and increased liquidity.

What does this mean in practice? That 100,000 euros – a sum that until recently provided a small apartment for investment – is no longer enough for more than two underground parking spaces in a third-tier district of the capital. Or for garages on the outskirts of the city. This is the painful truth. And it requires a new logic of action.

Unprofitable returns in Bulgaria – the illusion of "passive income"

Средната годишна доходност от отдаване под наем на жилищен имот в София към юни 2025 г. варира между 2,8% и 4,5% бруто, преди облагане с данъци и разходи за поддръжка, управление, ремонти, неплатени наеми и амортизация. След приспадане на всички разходи, нетната доходност често пада под 3%. Това е по-ниско от инфлацията и носи реална загуба на стойност във времето. А ако добавим липсата на ликвидност и дългото време за препродажба, става ясно: пазарът на жилища в България не винаги е разумна инвестиция – особено при насищане и предстоящи пазарни пренареждания.

The solution? Diversification and entry into international markets with high returns and stable prospects.

AvaSOLIS Real Estate – a Bulgarian agency with international reach – already offers selected investment opportunities in key locations such as Bali, Thailand, Cyprus, Dubai, Qatar, Oman, and Spain (Marbella). Each of these markets has been chosen not on the basis of emotion, but on the basis of economic stability, tourism growth, tax incentives, the possibility of rental through management companies, and stable returns.

Наш клиент инвестира в имот на „off-plan” етап в Бали, като заплати само 35% от стойността – около 65 000 евро. Имотът беше в бутиков комплекс от утвърден строител с възможност за препродажба преди завършване. След 11 месеца, чрез тристранно споразумение между него, инвеститора и нов купувач, правата върху имота бяха прехвърлени – с реализирана чиста печалба от 42%. Без да внесе пълната сума. Без да чака години. Без да управлява сам. Този тип сделки не са изключение. Те са стратегическа възможност за хора, които мислят с визия и действат с партньор до себе си.

What are the success factors in these markets?

State policy in support of foreign investment. Qatar, for example, plans over 40 billion dollars in investments in tourism, infrastructure, and cultural sites by 2030.

Payments with cryptocurrencies in next-generation projects – provides additional flexibility and anonymity.

Full transparency and the possibility of contracts with fixed returns through management operators.

Locations with constantly growing tourist flow and lack of seasonality (Bali, Thailand, Dubai).

AvaSOLIS Real Estate: when investments have no borders.

In a world where everything is globalizing, real estate remains 'immovable' only for those who cannot see beyond their neighborhood sign.

We at AvaSOLIS Real Estate believe that property is capital, and capital needs a strategy. That's why we don't just work on the ground. We work with a vision – in Bulgaria and far beyond.

Today, when borders are blurred and investment opportunities are scattered across the globe, our clients need a trusted partner who thinks big, acts precisely, and makes no compromise on detail.

Where do we operate? AvaSOLIS operates not only in Bulgaria but also in Greece, Cyprus, Spain (Marbella), Bali, Dubai, Thailand, Qatar, and Oman. Thanks to a built-up network of trusted international partners, we offer access to selected high-value properties – from luxury villas and holiday homes to profitable investment assets.

We are not just an agency. We are an ally of capital. We work with a limited number of clients, but with unlimited responsibility towards them. Every project of ours is personal – because we have a principle: quality over quantity.

Conclusion – responsibility to capital. In a time of variable inflation, unclear banking policies, and expected price changes across the country, the question is not whether to invest. The question is where.

The choice – as always – is yours. But the information – is now on your side.

Whether to stick to old habits and keep our money in a low-yield rental apartment, or to take the bold step towards global markets – this is the choice that divides investors today.

Capital loves movement. It cannot stand stagnation and fear. When we start thinking as global citizens, we begin to see opportunities where others rely on the convenience of the familiar. True freedom is not in square meters, but in how we manage the value of our work and our lives.

For inquiries and a strategic investment plan, contact AvaSOLIS Real Estate at: www.avasolis.com or by email: ava@avasolis.com