Possibilities of investment many offer up the liquid investors. Shares, funds, certificates, and fixed-income exposure provide sufficient scope for action for each claim. At this point, the more conservative asset classes should be illuminated even closer. The focus is aimed quite particularly to one in the hustle and bustle of the sales efforts of German banks almost into oblivion troubled investment opportunity: the classic deposit. Fixed-term deposit is made simple by design. A contract is concluded with the Bank. The investor waives the availability of its deposits for a certain period of time, which can stretch up to several years for over a month.
That credit institution receives the opportunity to work with the money and paid for this benefit with a higher interest rate. How high the yield is actually depends on various factors. A certain differences exist between different providers, on the other hand depends on the interest rate with the duration of the term of the Off contract. The longer the investor is willing to leave his money in the hands of the Bank, the higher the interest rate will be, at least up to a certain limit. With an investment term of more than two to three years the interest rates offered by the Bank be less usually something as an investment term of up to two years. This is due to the changes in the money market, the amount of interest incurred for a bank when she takes on loans in the money market, even so. Since it is no longer possible with an investment horizon of more than two years for the Bank sufficiently to be able to assess the development of the key interest rates, she can offer their investors even a lower interest rate.
In the current market situation can be expected with an investment horizon of twelve months on average about 4 to 4.5 percent. This is an attractive yield for conservative investors who shy away from risk of in capital markets and fluctuations in the value associated. It must bear in mind, that the investment in fixed-term deposits any knowledge nor the ongoing Monitoring of the market requires. Rather, the investor can calculate daily with the repayment of deposits and interest. A short simple search on the Internet on websites with a range identifies the currently cheapest provider. The opening of a deposit account is associated typically with little bureaucracy. Generally it doesn’t matter at which Bank the investment is made. However, the House should be member of a beyond the statutory minimum deposit guarantee fund, so that the investors in the event of a bank failure must not fear for its deposits.