ING DIRECT Personal Term Deposits
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A term deposit is an investment of cash placed with a financial institution for a fixed period of time, known as the term, with a fixed interest rate for 7 slots casino online free return at the end of the term.
A term deposit is commonly referred to as a TD, but can also be known as a certificate of deposit or CD.
Fixed terms can range from 1 month to 5 years and the money can usually only be withdrawn at the end of the term.
You may receive a slightly higher interest rate for an advance notice term deposit than for a standard term deposit.
Term deposits are popular for use by investors who prefer receiving a set return instead of anxiously watching the daily fluctuations of the share market.
Other investors use term deposits as just one part of their investment portfolio.
Applying for a term deposit is essentially deposits australia same as applying for a normal savings bank account, and most applications can be made online these days.
We compare each term deposit and then rate it out of 5, with a 5-star rated product offering outstanding features and value.
You can compare term deposits based on your own financial requirements using the comparison selector tool at the top of this page: Written by: and Tim Smith Term Deposits Glossary Of Terms Please note that these are a general explanation of the meaning of terms used in relation to term deposits.
Your bank or financial institution may use different terms, and you should read the product disclosure statement PDS of your policy carefully to understand everything that may apply during your investment term.
You cannot rely on these terms in relation to any term deposit you may purchase.
Advance notice term deposit: A term deposit where the institution allows you to withdraw the money earlier than the end of the term, if you pay a penalty fee and give advance notice of 31 days.
Basis points: A unit of measurement used in financial situations to describe the percentage change in interest rates or the value of a 7 slots casino online free product.
One basis point is 0.
Cooling-off period: 7 slots casino online free the number of days available for the investor to change the investment term or amount of money invested in the term deposit.
The number of days will be specified in the PDS deposits australia the term deposit contract.
Coupon payment: A portion of a bond, entitling the holder to receive a payment of interest.
For example, a 10% coupon paid semi-annually would no deposit bonus codes australia two 5% interest payments.
Debenture: A medium- to long-term investment issued by deposits australia company when you lend money to that company.
In return for your investment, you receive a regular and fixed amount of interest for the term of the investment.
The invested funds principal are repaid at the end of the term maturity.
Interest paid: The amount of simple interest paid on the principal amount the initial amount of money placed in the term deposit.
For example, a term deposit paying 6% interest per annum would pay 6% of the sum invested at the end of a 12-month term, or 3% at the end of a 6-month term.
The investor puts some of their money in a long-term deposit and the rest in several short-term deposits that renew regularly.
Maximum term: The maximum amount of time that you can receive a certain interest rate on a term deposit.
Maturity: The time at which the term deposit will expire and stop accumulating interest.
Minimum term: The minimum amount of time that you can receive a certain interest rate on a term deposit.
Term: The length of time or duration a term deposit will run for.
Yield: The rate of return earned on an investment.
Click to learn more This advice is general and has not taken into account your objectives, financial situation or needs.
Consider whether this advice is right for you.
Consider the product disclosure statement before making a purchase decision.
Canstar provides an information service.
It is not a credit provider, and in giving you information about credit products Canstar is not making any suggestion or recommendation to you about a particular credit product.
Statistics referenced on this page have been verified by This web page Research.
Research provided by Canstar Research AFSL and Australian Credit Licence No.
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