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22 April, 12:30

Issued by money-centered financial firms, these short - or medium-term insured debt instruments pay higher interest than a regular savings account. They are low-risk instruments and have low returns.

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  1. 22 April, 13:14
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    Certificates of deposit.

    Explanation:

    Certificates of deposit are also called time deposits, they have a fixed tenure and pay interest above the normal saving a account rate.

    The rates can be fixed or negotiable. Larger deposits attracts higher interest rates, also longer term deposits have higher returns.
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