How to optimally use of the interest rate effects by day and time deposits as a saver and what you should keep in mind while or know. With stagnating real wages and rising inflation, it is particularly important to use all the available resources, to achieve a positive net return after taxes and inflation for savers. Specifically in the area of fixed – and money market accounts, this means: compare interest rates and to make optimal use of also interest rate effects. Who once compared to interest rates for federal funds for fixed-term deposits, will determine that the interest level is currently moving on a Leven. Good-yielding money market accounts to achieve currently so as high interest rates such as fixed-term deposit accounts.
However, yield differences would arise. Most savers are unaware of this fact, but fixed-term deposit accounts, the compound interest effect can not be used. This is quite simply the fact that a fixed amount over a certain period set is created according to the definition in a fixed deposit account. Differently than in the day money dividends interest here not directly flowing into An investment and raise it accordingly. This effect, the operator of the portal have once investigated tagesgeldvergleich.net in their guide to the interest and compound interest compound interest effect and compared on the basis of a sample. Based on these calculations how big the differences between equal high income day and deposit accounts will be visible. Savers who really want to make from interest rate effects, should necessarily include this fact in the considerations for choosing an appropriate account. On the other hand the fact in contrast of course, that only fixed-term deposit accounts assurance fixed rate one over the entire agreed period, while investors in money market accounts of the development of the money market interest rate is dependent on. Choosing an appropriate account this external factor should also feed into the considerations. So could be used in periods of declining money market rates on time deposit and in phase constant or rising money market rates on overnight. Daniel Franke