Read this article excerpt and chart that I received at the end of August 2019: Hard as it may be to believe, the average interest rate for the five year bonds of major world countries is now negative. For the right to tie up your money for five years, you pay them! In Switzerland, you lose over 1% per year for the privilege of putting your money in their bonds. This is even before taking into account the effect of inflation which would make all of these interest rates negat