{"id":868,"date":"2025-04-27T14:44:41","date_gmt":"2025-04-27T14:44:41","guid":{"rendered":"https:\/\/allgemeinegeldwechsel.de\/fixed-term-deposits\/"},"modified":"2026-03-29T13:36:18","modified_gmt":"2026-03-29T13:36:18","slug":"fixed-term-deposits","status":"publish","type":"page","link":"https:\/\/augustavw.de\/en\/fixed-term-deposits\/","title":{"rendered":"Fixed deposit"},"content":{"rendered":"\t\t
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Fixed-term deposits are one of the most stable and popular forms of investment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Fixed-term deposits are one of the classic forms of investment for investors who value security, fixed terms and predictable returns. Thanks to a clearly defined investment term and guaranteed interest rates, fixed-term deposits allow you to structure your capital reliably. <\/p>

As an experienced partner in the field of structured investment concepts, Augusta Verm\u00f6gensverwaltung GmbH offers access to selected fixed-term deposit offers from renowned financial institutions. The focus is on transparent conditions, comprehensible processes and individual advice. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Top Fixed-Term Deposit Comparison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tOur current fixed-term deposit comparison offers you a structured overview of attractive conditions from various banks.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • \n\t\t\t\t\t\t\t\t\t\t- Opening a fixed-term deposit account with various partner banks<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t\u2013 No fees for account opening or account management<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t- Fast and uncomplicated online identification<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Smart investment solutions for different investment goals<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tCompany fixed-term deposits<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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      Company fixed-term deposits<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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      \n\t\t\t\t\t\t\t\t\tAn attractive opportunity for companies to invest free liquidity profitably and predictably. Benefit from stable interest rates and clearly defined terms. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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      • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tSavings Accounts<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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        Savings Accounts<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        \n\t\t\t\t\t\t\t\t\tMaximum flexibility with daily availability of your capital. Ideal for short-term reserves with transparent interest. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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        • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tETF's<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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          Fixed-interest investments<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          \n\t\t\t\t\t\t\t\t\tPredictable returns thanks to fixed terms and guaranteed interest rates. Suitable for investors with a clearly defined investment horizon. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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          • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tFixed deposit<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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            Fixed deposit<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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            \n\t\t\t\t\t\t\t\t\tBroadly diversified investments in selected fund strategies – with a focus on long-term growth and risk diversification.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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            Frequently Asked Questions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            What is Flexgled? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            \n\t\t\t\t\t\t\t\t\tFixed-term deposits are a proven form of investment in which capital is invested for a clearly defined term at a fixed interest rate. During this time, the amount is usually not available, but in return investors receive reliable and calculable interest income. Within the European Union, fixed-term deposits are covered by statutory deposit protection. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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            How High are the Interest Rates for Fixed-Term Deposits? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            \n\t\t\t\t\t\t\t\t\tThe amount of interest depends, among other things, on the selected term, the investment volume and the respective financial institution. Longer terms usually go hand in hand with more attractive interest rates. You can find the currently valid conditions in our current fixed-term deposit comparison. \n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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            Achieve Even Better Returns through the Ladder Strategy <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            \n\t\t\t\t\t\t\t\t\tWith the so-called staircase strategy, the available capital is divided into several fixed-term deposits with different maturities. This frees up amounts at regular intervals, which can be reinvested at current conditions. In this way, predictability and adaptability can be sensibly combined. \n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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            Choosing the Right Term for Fixed-Term Deposits <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            \n\t\t\t\t\t\t\t\t\tThe appropriate term is based on your individual investment goals and your personal liquidity planning. Short-term variants offer greater availability of capital, while longer terms are often associated with more advantageous interest rates. \n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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            Who Benefits from a Fixed-Term Deposit Account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            \n\t\t\t\t\t\t\t\t\tFixed-term deposits are primarily aimed at investors who are looking for stability, guaranteed returns and structured financial planning. Both private individuals and companies can invest free funds in this way in a calculable and low-risk manner. \n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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            Investing fixed-term deposits via Augusta Verm\u00f6gensverwaltung GmbH <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            \n\t\t\t\t\t\t\t\t\tAugusta Verm\u00f6gensverwaltung GmbH gives you access to selected fixed-term deposit solutions from various partner banks. Our advisors analyze your requirements, recommend suitable conditions and guide you through the entire investment process in a structured manner. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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            Transfer Money for Investment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            After selecting the appropriate fixed-term deposit solution, you transfer the desired amount directly to the corresponding account. As a rule, interest begins to accrue when the investment amount is received. <\/p>

            Fixed-term deposits within the EU are subject to statutory deposit protection up to EUR 100,000 per customer and bank. Additional voluntary protection schemes may also exist. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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            How Safe is a Fixed-Term Deposit?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            Fixed-term deposits are considered a comparatively low-risk form of investment. The repayment of the capital and the agreed interest are linked to the solvency of the respective bank. <\/p>

            Within the European Union, the statutory deposit guarantee protects customer deposits up to 100,000 euros per institution. Depending on the country, additional protection mechanisms may apply. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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            European deposit insurance for fixed-term deposit accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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            All fixed-term deposits with banks within the European Union are subject to the harmonized requirements of the EU deposit guarantee scheme. This protects deposits of up to 100,000 euros per customer and bank. <\/p>

            The corresponding directives have been transposed into national law and guarantee a uniform level of protection within the EU.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

            Fixed-term deposits are one of the most stable and popular forms of investment Fixed-term deposits are one of the classic forms of investment for investors who value security, fixed terms and predictable returns. Thanks to a clearly defined investment term and guaranteed interest rates, fixed-term deposits allow you to structure your capital reliably. As an […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-868","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages\/868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/comments?post=868"}],"version-history":[{"count":6,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages\/868\/revisions"}],"predecessor-version":[{"id":1676,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages\/868\/revisions\/1676"}],"wp:attachment":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/media?parent=868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}