Core Viewpoint - The article discusses the advantages and disadvantages of fixed-term bank deposits, highlighting their safety and stability compared to other investment options, while also addressing the impact of interest rates and taxes on returns [1][3][5]. Group 1: Fixed-Term Deposits - Fixed-term deposits offer a secure investment option, with a three-year deposit of 100,000 yielding 3,750 in interest, equating to an annual interest rate of approximately 1.25% [1][3]. - The interest calculation is straightforward: principal × interest rate × term, which ensures predictability in returns [3]. - Fixed-term deposits are particularly suitable for conservative investors who prefer stability over higher-risk investments [1][7]. Group 2: Comparison with Other Investment Options - Other investment vehicles such as funds, stocks, and bonds may offer higher returns but come with increased risk, making fixed-term deposits a safer choice during economic fluctuations [5][7]. - For instance, a conservative fund investment could yield around 5% over three years, but it also carries the risk of loss [5]. - The choice between fixed-term deposits and other investments should align with individual risk tolerance and liquidity needs [5][7]. Group 3: Early Withdrawal Considerations - Early withdrawal from fixed-term deposits typically results in interest being paid at the lower current account rate, significantly reducing returns [5]. - For example, withdrawing a three-year deposit after one year may yield less than 500 in interest, which is often lower than what would be earned in a regular savings account [5]. - Proper planning regarding the usage of funds is essential to avoid the need for early withdrawal [5].