Focus who now long term creates his money at an interest rate that is fixed and therefore unfortunately also invariant, not benefited by suddenly rising interest rates at a low level of interest rates should be on short-term investments such as money market accounts, when rising interest rates to be able to react flexibly. A longer-term investment would tie their capital against it. It is still not too long ago, that direct banks promoted at rates between five and six percent on money market accounts. But today, there is so little interest fixed by the European Central Bank at a rate of only one percent, with banks and savings banks like never before. The day money Portal day money interest according to credit institutions in the average pay just 1.18% day money, where individual providers to pay up to 2.5%, as well as for fixed-term deposits up to about four percent. This interest rate differentials convince many investors to wrong decisions, because who now long term creates his money at an interest rate that is fixed and therefore unfortunately also invariant, will not benefit from the central banks will increase no later than the end of the year again interest rates suddenly rising interest rates and according to experts. “” Day money vs. fixed many savers again and again the same error sit on “, as Klaus Holschuh, Chief Economist of the DZ Bank Frankfurt: in phases of high interest they put their money in money and in low interest rate periods they shift then it in long-term investments.” “Since interest rates for time deposits currently have reached a low point, it is worth barely, to invest money in the long run because who sets up early”, can lose.

To the increase in the key interest rates one of the many day money offers of from different banks tends to short time investors therefore recommended. “If you want more interest for his money, will compare day money determine that the best provider just as high” interest rates offer as the Festgeldanlage of most banks currently promises. Should the experts keep right and interest rates at the end of the year to rise again, it is advisable savers that their money up to the turn of the interest rate”to a day money account Park. Savers who need their money not in the short term, can set it for half a year and then, if the predicted higher interest rates, choose a longer-term investment. Although get in the six-month system of less interest than on the day money account, but have the advantage that the if even low interest for the Festgeldanlage during the conditioning period are guaranteed and not continue to fall. Savers who want to remain flexible, lose very little at a facility on a day money account to the deposit account.