Back when interest rates were low, it was common for people to question the wisdom of keeping money in a savings account. Savings accounts from alternative banks offer as much as 4.1 per cent interest today, which means a real return of 0.8 per cent after accounting for inflation. Considering the risk level is pretty much zero, that’s not bad. But some people still wonder if there are better options than savings accounts. Like a dividend stock, for example. Recently, a reader asked if it was better to have money in a “solid blue chip utility stock with a good…