Investing isn’t something many people think about at an early age, but it’s never too late to get into the practice, starting with educating oneself with its ins and outs. It’s less intimidating that most people would think, especially with more accessible investment options available in the market today. Time deposits are particularly suitable for those who want a low-risk investment with guaranteed returns. Here’s why it’s a good idea:

1. Time deposits offer stability and security. Unlike its counterparts, time deposits offer a stable and secure investment option. Your principal amount is protected, and you earn a predetermined interest rate over the deposit period. This stability can be particularly attractive during uncertain economic times or when seeking to preserve capital.
   
   
2. You enjoy predictable returns. It may not sound as exciting, but we’ll take peace of mind over excitement any day. Time deposits provide predictable returns, as the interest rate is fixed for the duration of the deposit. Unlike other investment vehicles that may be subject to market volatility, time deposits offer a guaranteed return on your investment, making them suitable for investors seeking a steady income stream.
   
   
3. It’s a reliable, low-risk option. Time deposits offer a conservative option for first-time investors. Meanwhile, those with existing investments will benefit from the risk diversification that it offers. By spreading your investments across different assets, such as stocks, bonds, and time deposits, you can reduce the overall risk of your portfolio.
   
   
4. You get to preserve your capital. Time deposits are ideal for investors who want to keep their capital safe and untouched. Whether you're saving for a short-term goal, building an emergency fund, or simply looking for a low-risk investment option, time deposits allow you to protect your principal while earning a competitive interest rate. 

Start investing with GoTyme Bank USD Time Deposit, which allows you to open an account for as low as $1—which can also be deposited in Philippine Peso. It offers an interest rate of 3% for three months and 3.5% for six months, and allows you to withdraw your capital any time with no additional penalties unlike with other banks. Compounding your earnings just got easier. Try your hand at investing today.