Even if the government manages your pension funds, they're still going to be invested in stocks and bonds, ultimately. Having a savings account is just about t

Even if the government manages your pension funds, they're still going to be invested in stocks and bonds, ultimately. Having a savings account is just about the dumbest thing you could do right now, since the rates are essentially 0%: http://articles.boston.com/2012-10-01/business/34178552_1_interest-rates-low-rates-average-interest http://articles.boston.com/2012-10-01/business/34178552_1_in... Yet they still have the audacity to ask me if I want to open one every time I visit the bank. It must be hard keeping a straight face.