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1

I'm ignoring the saving money vs. investing discussion. Yes, limits for negative interest are getting lower year after year. I doubt that negative interest will be charged under CHF 100'000 in the near future by most banks (exceptions already exist, but you can avoid them). If you get multiple savings accounts from different banks, you can evade those ...


4

The disadvantages are cost, zero interest for your savings and inflation. As you already noticed, with negative interest rates there is a crossover point where it is cheaper to lock up cash than keep it on your savings account. You might get into trouble with anti money laundering regulation when you take a large sum of physical cash and deposit it into a ...


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