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Remember that the government represents only about 30% of our retirement income, pension company pension offer another 30% and many of us do not. It is up to individuals to invest wisely in the short term and long term to offset the short fall if he or she would like to live comfortably after retirement without giving up some pension. In this article we will examine the characteristics of fixed-term investment. There are many types of fixed term investments from 1 to 5: 1) a term deposit) rates of return on deposits is usually higher than savings accounts. Some institutions may allow funds to be withdrawn before maturity by the sacrifice of some interest. b) Interest rate is guaranteed and is higher than savings account. c) the term deposit is usually a period of 1 year or less. d) The minimum deposit is usually required) Term Deposit is guaranteed by the Company to deposit insurance for certain amounts of difference between countries. 2. Guaranteed Investment Certificates) GIC have terms ranging from 1 to 5 years. b) The interest rate is guaranteed. c) The funds are generally detained until maturity. d) Some financial institutions offer higher rates in May with a minimum deposit requirement. 3. Billa Treasury) Short-term notes issued by the federal government are called Treasury bonds or Treasury bills. b) Typical values are $ 1,000, $ 5,000, $ 25,000, $ 100,000 and $ 1,000,000, with terms ranging up to 365 days. c) Treasury bills are always sold at discount rates. d) the investors can sell them before maturity at a price determined by current interest rate. e) The investor can buy back issues of treasury bonds from dealers. Dealers are now treasury bills available to retail investors at $ 1,000, and include increases of $ 1,000. 4. Mortgage-backed securityMortgage backed security is a large pool of residential mortgages sold by institutions providing mortgages for homebuyers. a) Each group of mortgages has its own interest rate and maturity date. b) There are two types of mortgages are: pre-payable and non-callable. Pre-pay means the mortgage pools for home buyers to make payments at pre-school to pay off their mortgage faster. c) Each month, an investor in mortgage-backed securities receive a share of income from capital and interest on the mortgage. I hope this information helps you. If you would like more information, please read the complete series of question to my homepage: http://lifeanddisabitityinsuranceunderwriter. blogspot. com / http:/ / financialinvesting10. blogspot. com /

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