Introduction

This article explains Fixed Savings, a type of time‑locked investment plan that offers higher, fixed-rate returns.

How Fixed Savings works

Fixed Savings require you to lock your assets for a specific period.

During this time, the funds cannot be withdrawn without losing the profit.

Key points

• Time‑locked investment
• Higher, fixed APR
• Profit paid at the end of the term

Additional notes

• Early redemption returns only your initial investment
• No profit is paid if you redeem before the lock period ends

Common issues

• Redeeming too early and losing profit
• Confusing Fixed Savings with flexible savings
• Expecting daily payouts (profit is paid only at the end)

Feeling lost?

If you’re unsure which lock period is best for you, our team is ready to help anytime.

Updated on: 01/18/2026