This guide explains the subject in a clear, comparable framework. Prices and conditions change over time; verify current sources before acting.
Guarantee and market risk
Deposits pay interest under predefined terms, while fund returns vary with portfolio assets. Historical fund performance is not a guarantee of future results.
Liquidity and settlement
Breaking a deposit may reduce interest. Fund dealing cutoffs, settlement periods and holidays affect when cash becomes available.
Calculate net return
Headline rates are not enough. Tax, management fees, timing, maturity and reinvestment assumptions belong in the same net-return calculation.
Important information
This content is general information and financial education. It is not personalized investment advice or a recommendation to buy or sell.