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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 dividend stocks and bonds, you can potentially get a positive return with a risk suitable to your risk profile.

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.
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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.

Stocks

Another way to avoid negative interest rates is to invest in stocks. Individual stocks are usually considered a riskier investment compared to 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
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.

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All trading and investing comes with risk, including but not limited to the potential to lose your entire invested amount.

Information on our international website (as selected from the globe drop-down) can be accessed worldwide and relates to Saxo Bank A/S as the parent company of the Saxo Bank Group. Any mention of the Saxo Bank Group refers to the overall organisation, including subsidiaries and branches under Saxo Bank A/S. Client agreements are made with the relevant Saxo entity based on your country of residence and are governed by the applicable laws of that entity's jurisdiction.

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