Traditionally fixed deposits have been one of the most favourite ... the return you make at any point in time is based on the prevailing market conditions and you are not deprived of the market ...

Firstly, you’ll have to hit a minimum deposit requirement of $20,000. And secondly, the highest interest rate you can get is slightly lower, at 2.85% p.a. for a 3-month period. There is a plus point ...