The term deposit option is an investment that seems to be increasingly popular for investor funds. One indication of this is probably the advertising. Were the Internet banks not doing so well, there would be no need for such promotional offers. Even the ever-changing interest rates are a clear indication of a fierce competition in the fixed sector. Not a bad thing - at least for investors. For he can choose among a wide variety of providers to claim a fixed rate that perfectly suits his expectations. For a fixed period it is possible to achieve a high return on your savings. For those Who want or need to remain flexible, they are more likely to use overnight investment, Here daily availability is guaranteed with no loss of interest. As mentioned earlier an important factor here is the investment period or investment horizon. The longer you save, the higher the rate of interest. Bear in mind that this principle does not automatically occur so do check. Another key factor is the evolution of interest rates. These are set by the European Central Bank, the ECB, and send a clear signal to all financial providers. The prime rate has been lowered several times in recent months. If this trend continues - and it is not unlikely, a bank must take into account this trend in its fixed products. Therefore, it is possible that long-term fixed deals not be better than short-term interest rate. But the term deposit will be mainly influenced by individual circumstances. However, for those who intend to get a term deposit, and have the financial means to do so, do not wait too long, since a rise in interest rates on fixed-term investmeting is very unlikely, at least for this year.