Many people with large financial reserves are wondering how to invest this money. Because the traditional savings account hardly plays a role today, day money and fixed-term deposits offer themselves as two basic alternatives of investment. If you want to maintain liquidity and value to have access to the money at any time, you should opt for a savings account – with relatively low interest rates. If you can forego the availability of high sums of money for a long time, however , the time deposit is the more lucrative alternative. As a rule of thumb, the more money is left over, the sooner one should choose a fixed-term deposit….