The covert expropriation of savers and future retirees is no longer a secret. The financial repression of citizens through the quasi-abolition of interest rates directly affects you. Covert expropriation 2.0 is characterized by ultra-low to negative interest rates and by the restriction or even prohibition of cash. The currency war is in full swing. Not only central banks but also commercial banks, which are still too big to fail, play a significant role in the unrestrained production of money. The zero interest rate level threatens to become a catastrophe for pension and life insurance plans, ultimately impacting all citizens. The two award-winning economic journalists Michael Rasch and Michael Ferber provide a guide for a crisis-proof portfolio based on historical data and credible experiences.