Yeah, that’s news to me. So the article should be titled: “Negative real interest on time deposits? It already happened”. But not “Time deposits were never profitable”
I like the comments along the line “why is anyone holding 100k+ in cash!”, I’m pretty sure they come from people with less than 100k Net Worth 
So, let me see if I got it right: holding cash is stupid, and of course holding bonds is stupid as well!
What’s left for someone who’s not a Zoomer or a late Millennial? 100% in stocks? In this overhyped environment? Is the only non-stupid thing to do to hold 100% in leveraged Tesla shares or there’s still some hope for someone who doesn’t like gambling and happen to have more than 1M CHF?
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Buying real estate might be another “non-stupid” thing 
In the end you’re timing the market and you should feel bad 
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Wanting to invest less than 90% (or say, 93% in my case) in the stock market is timing the market?
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I see your point now, but yeah maybe time to start some new asset class? CrowdHouse was mentioned by your Greek friend as an example. Or physical Gold stacked at home like a pyramid 
My mattress has enough space for a lot of thin 500 CHF Bills
MattressFIRE to the rescue!
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Don’t set your mattress on fire.
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I have bad news for you hahahaha
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