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.

Watch the introduction video

Bonds

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.
Swipe left or right for more
BONDSCoupon interestEffektive interestExpieryMin. 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.

Stocks

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.

Read more
Swipe venstre eller højre for mere
StocksExpected yearly dividend
Telefonica Deutschland 8.1%Trade
Swiss Re 6.9%Trade
Freenet6.7%Trade
Novartis3.8%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.

SaxoTraderGO

SaxoTraderGO

Our award-winning trading platform

Important features
See selected price lists, today's gainers and losers and current investment themes, and get inspiration for your next investment.

Active classes
Access stocks, mutual funds, ETFs, bonds and managed portfolios.

User interface
SaxoInvestor gives you everything you need to be able to invest quickly and securely from one account - on your phone, tablet or compute

Getting started is easy

Register

Choose an account tier and submit your application.

Fund

Add funds quickly and securely via bank transfer.

Trade

Access 40,000+ instruments across all asset classes.

Saxo Bank (Schweiz) AG
Beethovenstrasse 33
CH-8002
Zurich
Switzerland

Contact Saxo

Select region

Switzerland
Switzerland

All trading carries risk. Losses can exceed deposits on margin products. You should consider whether you understand how our products work and whether you can afford to take the high risk of losing your money. To help you understand the risks involved, we have put together a general Risk Warning and a series of Key Information Documents (KIDs) highlighting the risks and rewards related to each product. The KIDs can be accessed here or within the trading platform. Please note that the full prospectus can be obtained free of charge from Saxo Bank (Switzerland) ltd. or the issuer.

This website can be accessed worldwide however the information on the website is related to Saxo Bank (Switzerland) Ltd. All clients will directly engage with Saxo Bank (Switzerland) Ltd. and all client agreements will be entered into with Saxo Bank (Switzerland) Ltd. and thus governed by Swiss Law.

The content of this website represents marketing material and has not been notified or submitted to any supervisory authority.

If you contact Saxo Bank (Switzerland) Ltd. or visit this website, you acknowledge and agree that any data that you transmit to Saxo Bank (Switzerland) Ltd., either through this website, by telephone or by any other means of communication (e.g. e-mail), may be collected or recorded and transferred to other Saxo Bank Group companies or third parties in Switzerland or abroad and may be stored or otherwise processed by them or Saxo Bank (Switzerland) Ltd. You release Saxo Bank (Switzerland) Ltd. from its obligations under Swiss banking and securities dealer secrecies and, to the extent permitted by law, data protection laws as well as other laws and obligations to protect privacy. Saxo Bank (Switzerland) Ltd. has implemented appropriate technical and organizational measures to protect data from unauthorized processing and disclosure and applies appropriate safeguards to guarantee adequate protection of such data.

Apple, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.