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

![image.png](https://files.steempeak.com/file/steempeak/ash/TI7ZdlD4-image.png)

### 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](https://hodlhodl.com), [bisq](https://bisq.network), [bitspark](https://smarturl.it/bitshares)) or at an [ATM](https://coinatmradar.com/). Try to avoid KYC regulated exchanges, and use a [VPN](https://smarturl.it/securevpn) for extra privacy.

Use [Wasabi](https://wasabiwallet.io) for PC or [Samourai](https://samouraiwallet.com) 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](https://dgx.gold), a tokenized gold token on Ethereum with KYC-less secondary market, but [Vaultoro](https://vaultoro.com) is a good (KYC!) service too, in my opinion.

### Stablecoin

You can currently supply DAI at [Compound](https://compound.finance) 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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