FIV | Magazine
  • News
  • Interview
  • Fashion
  • Beauty
  • Travel
  • Interior
  • Real Estate
  • Cover
  • FIV
    • Contact
    • Jobs
    • Jobbörse | Friends
  • < Instagram
  • < Youtube
  • < TikTok
  • Search
  • Menu Menu

Capital investment fixed deposit: Binding term and yield

in Investment, Money, News/by Stephan

If you want to save your money, you have various alternatives with a low risk of default. Among others, time deposits. Compared to objects (cars, art & Co.), time deposits offer a stable form of investment. At the same time, however, the interest rates provide a very low return. If you want to set up a new account, it is best to start online. Comparison portals such as Check 24 and others provide an overview.

Overview hide
Fixed Deposit Account: Advantages and disadvantages
Availability of time deposit and term
Facts about fixed-term deposits
Advantages of time deposits
Disadvantages of the time deposit
Calculation of interest
Annual interest
Interest per day
Comparison of call money, fixed-term deposits and savings books

Back to the Capital Investment editorial.

Fixed Deposit Account: Advantages and disadvantages

Typical questions are:

  • Where can I find the best interest rates for fixed-term deposits?
  • What is the fixed deposit?
  • Which bank offers the best interest rates?
  • How is interest calculated on call money?
  • How do you calculate the interest? – more under calculation
  • How does the call money account work?
  • Which bank is the best and cheapest?
  • Which bank gives the most interest on savings accounts?
  • Which bank is recommended?

Availability of time deposit and term

Money that you don’t need to access for the next 1 to 3 years can be invested in a fixed deposit account. The longer the term, the higher the interest.

Fixed-term deposits offer the advantage of a simple set-up, stable interest rates and different maturities are selectable early termination often not possible, termination only possible for a fee. The risk assessment of time deposits is therefore low compared to the capital investment alternatives. However, due to the current interest rate situation, the current return on time deposits is just as low as the risk – a consideration that every saver must make for himself. So just like a savings account, fixed-term deposits are easy to set up, they offer stable interest rates and you can choose different maturities. Conclusion: Many advantages, few returns.

Facts about fixed-term deposits

The most important 3 facts about fixed-term deposits:

  • For capital that is not essentially needed
  • Binding term (prior exit only with losses)
  • Fixed return after time

Overall, fixed-term deposits are suitable for people who can do without a portion of their capital for a certain period of time. This is invested with a fixed term, and in return you get a fixed return.

Advantages of time deposits

  • Simple setup
  • Stable interest rate
  • Flexible terms (but term commitment)

Disadvantages of the time deposit

  • Early termination (often) not possible
  • Cancellation only give fee

Calculation of interest

If you want to calculate interest, you have various ratios to calculate. These include, among others:

Annual interest

Interest per year = (investment capital x interest rate) / 100

Example calculation:

Interest per year = (50,000 Euro x 2.5) / 100 = 1,250 Euro

Interest per day

Interest for t days = (investment capital x interest rate x t) / (100 x days per year)

Comparison of call money, fixed-term deposits and savings books

Fixed Deposit Savings bond Savings bond
Possible interest from 0 up to 0,50 From 0,001 to 1,97 0,1 to 1,97
Investment amount 1 to unlimited 1 to unlimited 1.000 Euro to unlimited
Investment period unlimited 30 days to 10 years 1 to 10 years
Security at least 100,000 euros through the statutory deposit guarantee (note S&P country rating) at least 100,000 euros through the statutory deposit guarantee (note S&P country rating) at least 100,000 euros through the statutory deposit guarantee (note S&P country rating)


Tags: Account, Advantages, Calculation, Disadvantages, Empfehlung, Fixed Deposit, Formula, invest money, Capital investment, Risk
Share this entry
  • Share on Facebook
  • Share on Twitter
  • Share on WhatsApp
  • Share on Pinterest
  • Share on LinkedIn
  • Share by Mail
https://fivmagazine.com/wp-content/uploads/2020/01/kapitalanlage-festgeld-konto-bank-rendite-berechnung-taschenrechner-formel-diagramm.jpg 853 1280 Stephan /wp-content/uploads/2020/07/fiv-magazine-news-instagram-youtube-tiktok-influencer-fashion-interior-jewelry-real-estate-tips-help-logo.png Stephan2019-12-16 18:27:372019-12-16 18:27:37Capital investment fixed deposit: Binding term and yield

The News

  • The Model App: Boost your confidence as a model! castings, smalltalk +

    The Model App: Boost your confidence as a model! castings, smalltalk +

  • Real estate app: Lukinski Immo Tools for house & apartment – Editor’s recommendation

    Real estate app: Lukinski Immo Tools for house & apartment – Editor’s recommendation

  • FIV Issue #28 with Zoe Wees, Stefanie Giesinger x Viva con Agua

    FIV Issue #28 with Zoe Wees, Stefanie Giesinger x Viva con Agua

  • Modelling Success At 19 Years Old With Neva Akdag

    Modelling Success At 19 Years Old With Neva Akdag

  • Itsonlyme.julia in interview: About Food Content, Weight Watchers & Plan B

    Itsonlyme.julia in interview: About Food Content, Weight Watchers & Plan B

Model Agency

Do you know our model agency? Become a model at CM! Fashion weeks, shoots, castings – read more about:

➧ CM Models

FIV App

Get the app!

FIV App

Get the app!

News

  • The Model App: Boost your confidence as a model! castings, smalltalk +

  • Real estate app: Lukinski Immo Tools for house & apartment – Editor’s recommendation

  • FIV Issue #28 with Zoe Wees, Stefanie Giesinger x Viva con Agua

  • Modelling Success At 19 Years Old With Neva Akdag

  • Itsonlyme.julia in interview: About Food Content, Weight Watchers & Plan B

Interview

  • The Model App: Boost your confidence as a model! castings, smalltalk +

  • Real estate app: Lukinski Immo Tools for house & apartment – Editor’s recommendation

  • FIV Issue #28 with Zoe Wees, Stefanie Giesinger x Viva con Agua

  • Modelling Success At 19 Years Old With Neva Akdag

  • Itsonlyme.julia in interview: About Food Content, Weight Watchers & Plan B

New Issue

News
Cover

© FIV Magazine | Imprint | A trademark of CXMXO. All rights reserved.
  • All magazines
  • Jobs
  • Contact
  • News
  • CXMXO Group
  • Magazin
  • by CM Models
Scroll to top

We use cookies. By continuing, you agree, thank you.

OKSettings

Cookie and Privacy Settings



How we use cookies

We may request cookies to be set on your device. We use cookies to let us know when you visit our websites, how you interact with us, to enrich your user experience, and to customize your relationship with our website.

Click on the different category headings to find out more. You can also change some of your preferences. Note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer.

Essential Website Cookies

These cookies are strictly necessary to provide you with services available through our website and to use some of its features.

Because these cookies are strictly necessary to deliver the website, refusing them will have impact how our site functions. You always can block or delete cookies by changing your browser settings and force blocking all cookies on this website. But this will always prompt you to accept/refuse cookies when revisiting our site.

We fully respect if you want to refuse cookies but to avoid asking you again and again kindly allow us to store a cookie for that. You are free to opt out any time or opt in for other cookies to get a better experience. If you refuse cookies we will remove all set cookies in our domain.

We provide you with a list of stored cookies on your computer in our domain so you can check what we stored. Due to security reasons we are not able to show or modify cookies from other domains. You can check these in your browser security settings.

Google Analytics Cookies

These cookies collect information that is used either in aggregate form to help us understand how our website is being used or how effective our marketing campaigns are, or to help us customize our website and application for you in order to enhance your experience.

If you do not want that we track your visit to our site you can disable tracking in your browser here:

Other external services

We also use different external services like Google Webfonts, Google Maps, and external Video providers. Since these providers may collect personal data like your IP address we allow you to block them here. Please be aware that this might heavily reduce the functionality and appearance of our site. Changes will take effect once you reload the page.

Google Webfont Settings:

Google Map Settings:

Google reCaptcha Settings:

Vimeo and Youtube video embeds:

Other cookies

The following cookies are also needed - You can choose if you want to allow them:

Privacy Policy

You can read about our cookies and privacy settings in detail on our Privacy Policy Page.

Datenschutz
Accept settingsHide notification only