Fixed deposit is a particularly safe form of investment. You invest a certain amount in a fixed deposit account. From the start of the contract, both the investment period and the guaranteed interest rate of your investment are fixed. The interest is credited to you at the end of the investment period. And why fixed deposit and not a savings account? Savings account interest rates are guaranteed by most banks for only a relatively short period. Accordingly, investors with a fixed deposit investment gain the highest level of planning security, as the interest rate is guaranteed for the entire term. You can invest your fixed deposit with our partner banks for periods between six and 120 months. Investment amounts can range from 10,000 euros to 250,000 euros. With a fixed deposit investment, the interest is firmly agreed upon at the beginning of the term. So you know from the first day what amount you will receive at the end of the term. This gives you absolute planning security.
Fixed Deposit
The Best Fixed-Income Investments for Sustainable Wealth Growth
Fixed-income investments are an extremely attractive way to grow your wealth safely and sustainably. They offer a dynamic interest structure, clear term conditions, and top-notch security guarantees that provide a solid foundation for your financial growth. But what exactly are the reasons why more and more investors are choosing fixed-income investments as their preferred choice?
1. Stability:
Fixed-income investments are known for their stability and reliability. They offer investors the assurance that their investments will grow in a predictable and calculable manner. This security is invaluable in times of economic uncertainty.
2. Predictability:
Bei Festzinsanlagen haben Sie die volle Kontrolle über Ihre Rendite. Sie können individuell entscheiden, ob Sie Ihre Zinsauszahlungen vierteljährlich, halbjährlich oder jährlich erhalten möchten. Dies ermöglicht es Ihnen, Ihr Einkommen zu planen und Ihre finanziellen Ziele effizient zu verfolgen.
3. Diversification:
Festzinsanlagen bieten Ihnen die Möglichkeit, Ihr Portfolio zu diversifizieren. Sie können in verschiedene Festzinsprodukte mit unterschiedlichen Laufzeiten und Zinssätzen investieren, um Ihr Risiko zu streuen und Ihre Rendite zu optimieren.
4. Sustainability:
In einer Zeit, in der Nachhaltigkeit und verantwortungsbewusstes Investieren immer wichtiger werden, bieten Festzinsanlagen eine umweltfreundliche und ethische Möglichkeit, Ihr Vermögen zu vermehren. Sie können in Projekte und Unternehmen investieren, die Ihren persönlichen Werten und Überzeugungen entsprechen.
5. Flexibility:
Festzinsanlagen sind äußerst flexibel und passen sich Ihren individuellen Bedürfnissen an. Sie können die Laufzeit und den Anlagebetrag entsprechend Ihrer finanziellen Situation anpassen.
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What does fixed deposit actually mean?
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Who can open a fixed deposit account?
We only open accounts in the name of natural persons residing in Germany. The accounts are not usable for business / freelance purposes and are only opened in the name of one person. The following persons are excluded from opening an account: Minors Legal entities Escrow accounts / Lawyers and notaries Estate accounts (new openings for communities of heirs) Security deposit accounts
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What fees are associated with fixed deposit investments?
There are no fees for fixed deposit investments. Both the opening and maintenance of the fixed deposit account are free of charge.
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Is my fixed deposit safe at the bank?
Your deposits are legally protected up to 100,000 euros. Reason: Banks are protected by statutory deposit insurance. In the event of a bank insolvency, deposits up to an amount of 100,000 euros are secured and fully repaid within seven working days.
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When is the interest credited?
The interest is credited to your fixed deposit account (compound interest effect) at the end of the investment period (for terms over twelve months, initially after the first year of the term) or, if desired, to your reference account. Tip: Benefit from the compound interest effect! If you do not cancel your fixed deposit account, it will be automatically extended – including the accrued interest – for the original investment period at the interest rate valid at that time.
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How do I receive an annual tax certificate?
How do I receive an annual tax certificate? You will automatically receive the annual tax certificate by mail in the first quarter of the following year. You don't need to do anything. Note: Please be aware that the certificate is only issued if you have received interest income in the calendar year. If this is not the case, you will not receive an annual tax certificate. Example: You invested in a fixed deposit in June 2023. The first interest payment will then be made in June 2023. You will automatically receive your annual tax certificate in the first quarter of 2024.
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What should be done in the event of inheritance?
In the event of inheritance, our customer advisors are happy to assist you personally to discuss everything further together. Just give us a call.
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How can I cancel my fixed deposit at the end of the term?
You can conveniently cancel by phone by providing your customer number. If you cancel by email, it must be from the same email address that is registered in our system. Notification by fax or post is also possible. Important: The cancellation must be made no later than three days before the end of the term. What happens next: The investment amount, including interest, will be automatically transferred to your registered reference account after the end of the term.