How can you avoid negative interest rates?

The threshold for negative interest rates is being further lowered across the world. However, there are alternatives to paying negative interest on your money. Investing always comes with a risk, but through managed portfolios, dividend stocks and bonds, you can potentially get a positive return with a risk suitable to your risk profile.

Managed portfolios

Let the world experts manage your investments at low cost. When you choose a managed portfolio at Saxo Bank, you gain access to some of the most recognized managers globally. With a managed portfolio, you have full transparency and control: you can monitor your investments 24/7 via our platform, and you can withdraw at any time without any extra cost.

We work with global asset managers such as BlackRock, Morningstar and Brown Advisory.

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One way to avoid negative interest rates is through investing in bonds. Bonds are usually reserved for institutional clients and professional investors, but at Saxo Bank we give you the opportunity to trade directly in the bond market through our low-cost investment platform. We have selected 7 bonds below that have relatively short maturities, good ratings and positive effective interest rates.
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BONDSCoupon interestEffective interestExpiryMin. sizeRating
General Electric 1.5%0.75%May 2029100.000 EURNRTrade
Volkswagen Leasing0.25%0.2%July 20291.000 EURBBB+Trade
Tesla Inc5.3%1.4%August 20252.000 USDBB-Trade
Apple Inc3.45%0.5%May 20242.000 USDAA+Trade
VISA Inc3.15%1%December 20252.000 USDAA-Trade
Gazprom1.45%0.85%March 20235.000 CHFBBB-Trade
Banco Santander 0.31%0.25%June 20285.000 CHFATrade

Data is updated on 10/06-2021 and may change over time. The list is for information only and is not a recommendation to trade or invest.


Another way to avoid negative interest rates is to invest in stocks. Individual stocks are usually considered a riskier investment compared to managed portfolios and bonds. However, you can invest in stocks that pay high expected dividends. This means that you can achieve a positive return on your money, although with a risk that is significantly higher than for bond investments.

Saxo Bank's analysts have selected 6 interesting dividend stocks that are worth a closer look.

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StocksExpected yearly dividend
Telefonica Deutschland 8.1%Trade
Swiss Re 6.9%Trade
BASF 5%Trade
Zurich Insurance Group 5.6%Trade

Data is updated on 10/06-2021 and may change over time. The list is for information only and is not a recommendation to trade or invest. Expected dividend is based on data from Bloomberg.




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