Savings account alternatives 2020 and 2021

What is the best alternative to a savings account in 2020 and 2021? Saving also means looking at all options for saving on a regular savings account. For example, a savings deposit usually gives a higher interest than a regular savings account. Or choose to invest and buy shares or a high-yielding bond, invest in gold and choose a mixed savings account. With these alternatives you combine saving and investing. Or pay off your mortgage and invest in solar panels. Both provide a high return.


  • Life-course savings scheme 2020 and 2021
  • Savings interest on savings deposit or climbing savings deposit has a higher interest rate in 2020 and 2021
  • Compare alternatives for saving, the best alternative is investing in 2020 and 2021
  • Interest and inflation
  • Mix of investing and saving
  • Buy gold in 2020 or 2021?
  • Investing in real estate in 2020 and 2021
  • Installing solar panels
  • Spread and spread again
  • Slot alternatives for saving in 2020 and 2021

Life-course savings scheme 2020 and 2021

For the life-course scheme, there is a transitional arrangement until January 1, 2022, with a distinction between those with a balance of less or more than 3,000 euros. Are you using the transitional arrangement of the life-course savings scheme in 2020 and 2021 and are you having your credit paid out?

Savings interest on savings deposit or climbing savings deposit has a higher interest rate in 2020 and 2021

Consider a savings deposit. There are many options and the savings interest is often higher. Another advantage is that the savings interest rate is fixed, so that you enjoy a high return for the entire period. With a climbing savings deposit, the interest increases every year, which only increases your return.

Compare alternatives for saving, the best alternative is investing in 2020 and 2021

There are many alternatives to saving in the field of investing, but in what will you invest:

  • Investing in shares or bonds;
  • Investing in bitcoins 2020 and 2021;
  • Mix of investing and saving;
  • Buy gold;
  • Buy real estate

But even if you are looking for alternatives, it is wise not to put everything in one basket. No one has a crystal ball and knows which investment will definitely do well in the near future. That’s why you need to spread your money. How much you will save and how depends largely on your profile and what the money is intended for. If you need the money again quickly, it is wise to still save in an account where you can access your money immediately. If your money is intended for your pension, it is very unwise to take too much risk with your money. You then invest with part of your savings, yourself or through a good asset manager of an investment fund. Always ask the asset manager what the management costs are and what the results have been so far. Choose a fund that has been providing good returns for some time. It does not guarantee the future, but says a lot about the past, even in difficult times. The ING Global Opportunities Fund, for example, has won the prestigious Morningstar Award for fund investing in the best global equity fund category. Robeco usually does well, but your own bank may also achieve good results.

Interest and inflation

A big unknown at the moment is what inflation and interest rates will do in the near future. If the economy really starts to pick up, inflation and interest rates will also rise. A bad prospect for those who have bonds or plan to buy them. Higher interest rates will certainly lead to lower bond prices. There is then little point in selling in the meantime. The longer the term of a bond, the more sensitive this investment is to changes in interest rates. Investing in bonds currently seems risky. Higher inflation also does not seem to work out well for investments in shares. Raw materials are becoming more expensive for companies, putting pressure on profits. Winners could be the companies that can sell the raw materials, processed or not, at a high price to others. Think of Royal Dutch Shell or ArcelorMittal Steel.

Mix of investing and saving

The mix of investing and saving also seems to be a good alternative. There are savings accounts where you cannot lose your deposit and the interest depends on the AEX stock market index. Consider, for example, ABN AMRO’s earlier AEX savings account. This hybrid savings account can no longer be opened at ABN AMRO. You are eating both ways and combining saving with investing. But be careful: if the stock market is doing poorly, the interest can also be zero, because the return depends on the increase in the AEX Index.

Buy gold in 2020 or 2021?

Gold has experienced a significant price increase, but also a significant decrease. The biggest increase in the gold price seems to have been over, but if our financial system runs into problems again, for example because too many countries have too much debt or the banks make mistakes again, gold seems to be a good investment again, according to Willem Middelkoop has great growth potential.

Investing in real estate in 2020 and 2021

Real estate prices have risen sharply, especially in the private sector. In the business sector there are still problems in some areas due to vacancy. In the private sector, there are areas where house prices have gone through the roof and could continue to rise sharply in 2021 (Amsterdam, for example). If the economy improves and interest rates remain relatively low, real estate prices can quickly recover everywhere in our country and good returns can be made there. Fast home sales increased sharply in 2020 and this is also expected in 2021.

Installing solar panels

With solar panels you can save a lot of money and thus achieve a high return on the amount invested in your home. A higher return than on all kinds of savings accounts. Moreover, your home increases in value and has become more attractive for a quick sale.

Spread and spread again

That means spreading and spreading money again. The global economy is surrounded by many uncertainties. It is comparable to a lottery, where the top prize can fall on the only state lottery ticket you have purchased, or on the many tickets that you hold like hot irons in the fire.

Slot alternatives for saving in 2020 and 2021

All in all, there is a lot you can do to manage your savings and assets wisely.

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