Invest in stocks, bonds from countries that don't have negative interest rates, etc. If you keep large amounts of long-term savings in cash you are leaving a l

Invest in stocks, bonds from countries that don't have negative interest rates, etc. If you keep large amounts of long-term savings in cash you are leaving a lot of money on the table anyway, although apparently a lot of Germans do that. Even in the US, high-yield savings accounts barely outpace inflation. The purpose of the negative rate is to reduce the chances of an deflationary spiral, which would hurt savers even more than a negative rate because it would tank the economy and cause unemployment. A negative rate is probably better for savers than a recession.