Term Deposit - a contract under which provides financial institutions an agreed amount of their funds for a certain time, and after the initial financial obligation of the organization employer to pay You this higher amount in the stipulated percent.The fixed interest rate is safer (at the moment of making a Deposit you will be aware of her interest), but, as a rule, below.Capitalization of interest (add the interest to the Deposit amount, so that in the following period of the agreement, interest may be accrued from greater amount).For example: you create a Deposit of 6 per cent, in the amount of 2000 rubles for 1 year.Here we must reckon with the fact that withdrawal before the deadline will result in the loss of part or all of the interest.Risks associated with investing in deposits