Legacy: Negative Interest and how to Hedge
In times of awful bonds, and general negative interest, you need a plan. Hiding cash under your pillow may be an option, but I would never do it. Here's how I hedge against government issued fiat
Crypto
The obvious. Not stable in terms of government money, but by far the most effective. No middleman, decentralized, distributed, and trustless.
Buy for Cash via P2P (eg. hodlhodl, bisq, bitspark) or at an ATM. Try to avoid KYC regulated exchanges, and use a VPN for extra privacy.
Use Wasabi for PC or Samourai for Android as secure wallet.
Gold
Compared to crypto, gold has a big disadvantage: itt requires either secure storage, or trust. But it's nonetheless a good diversification.
I prefer DGX, a tokenized gold token on Ethereum with KYC-less secondary market, but Vaultoro is a good (KYC!) service too, in my opinion.
Stablecoin
You can currently supply DAI at Compound for ~11% APR interest at the moment, so if you're looking for a fiat pegged stable coin with no negative interest, but a way to earn interest: go for DeFi products.
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