Invest money in time deposit

Fixed-term deposits have offered rather low-interest rates in recent years. At present, interest rates at many banks are rising again somewhat. The reason for this is that banks are increasingly relying on savers' deposits, as it is currently more favorable for them to finance themselves via customer bonds than via corporate bonds. However, you still won't get the kind of return that a broadly diversified ETF generates on a time deposit account. But if you're asking yourself: How can I invest my money safely? A fixed-term deposit account is definitely the right choice. One clear advantage over shares, for example, is that at the end of the day you are sure to get back the amount you paid in. Minus the possible loss in value due to inflation, of course.

If you want to invest large sums, you should pay attention to the Deposit Protection Act: Up to $100,000 is protected per bank and customer within the European Union. Many German banks protect much higher sums - but these are then not enforceable. So if you want to invest more than $100,000, it's better to split the sum between several banks.