If you have a deflation and negative rates then you should hold to your money because year after year everything around you is getting cheaper. So delay consump

If you have a deflation and negative rates then you should hold to your money because year after year everything around you is getting cheaper. So delay consumption. Hold the cash. You will get better deal next year. If you have and inflation and negative rates then this is just a temporary anomaly in monetary policy. Don't hold the cash. Borrow at fixed rate and invest risk free.