[hansamu]

At most 1% and more than a year. Then like you owe them money. In actual fact they will later use your money to buy shares when low and make 30-50% a year then give you 1%.

Very  true and well said.

But for the majority of people who do not indulge in stocks and shares,they  have no choice but to accept what those blood sucking banks pay....can be near to zero for savings rates.