{"id":1699,"date":"2023-04-04T22:33:28","date_gmt":"2023-04-04T22:33:28","guid":{"rendered":"https:\/\/new-template.local\/?p=1699"},"modified":"2023-04-04T22:33:28","modified_gmt":"2023-04-04T22:33:28","slug":"wie-du-aus-festgeld-das-meiste-machst","status":"publish","type":"post","link":"http:\/\/uyu.local\/english\/wie-du-aus-festgeld-das-meiste-machst\/","title":{"rendered":"How to get the most out of time deposits"},"content":{"rendered":"

For a long time, there was virtually no interest on savings, but now you can save at the best rates.\u00a0Fixed-term deposit offers<\/a>\u00a0again up to 3.3% per year (for a three-year investment). But what if interest rates rise even further? Then you'll be annoyed afterwards that you've already fixed everything now.<\/p>\n

That's what the interest ladder is for: the money is divided between several fixed-term deposit accounts with different terms. This allows you to benefit from high interest rates, but you never have to tie up all your money for a long time and can access part of it regularly.<\/p>\n

And this is how it works:<\/h2>\n
    \n
  1. Determine the total amount you want to invest. E.G. \u20ac30,000.<\/li>\n
  2. Divide the total amount according to how many steps you want to have in your interest staircase. For example, three steps with \u20ac10,000 each.<\/li>\n
  3. Invest each amount in a separate fixed-term deposit account with a different term: \u20ac10,000 in an account with a one-year term, \u20ac10,000 in an account with a two-year term and \u20ac10,000 in an account with a three-year term. Choose the terms so that an account matures every year and some of the money is freed up again.<\/li>\n<\/ol>\n

    And so it goes on: when the first account matures after one year, you look at the current interest rate offers and invest the money again in the best possible way - for three years. If you keep doing this, a sum will fall due every year. In this way, you benefit from the best current fixed-term deposit interest rates every year and still access a large part of your money every year.<\/p>\n

    You can find the best fixed-term deposit offers every week here in the newsletter and also daily in\u00a0<\/span><\/span>our guide<\/span><\/span><\/a>.<\/span><\/span><\/p>\n

    \n
    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

    For a long time there was almost no interest on savings, but now you can get up to 3.3% per year again with the best time deposit offers (with three years investment). [...]<\/span><\/p>","protected":false},"author":1,"featured_media":1700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1699","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments"],"_links":{"self":[{"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/posts\/1699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/comments?post=1699"}],"version-history":[{"count":0,"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/posts\/1699\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/media\/1700"}],"wp:attachment":[{"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/media?parent=1699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/categories?post=1699"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/uyu.local\/english\/wp-json\/wp\/v2\/tags?post=1699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}