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Always calculate interest minus inflation =risk +reward on money.
Inflation is 4.5% there and its much riskier

That is true, our currency has been heavily inflated over the last few years and the buying power is nowhere near what it was, lol thats why I came to crypto

So each year I assume you're interest rates kept dropping until now negative? That's insane, do Dutch people even bother saving or do they rather invest in things that give a return like property, stocks, pension etc?

5.9% is the standard base, the larger your sum saved you can get up to 7.2%