WTF #3: Time Deposit Game Plan
WTF #3: Time Deposit Game Plan
InvestEd
January 31, 2026
Authored by:
Chritzel Romero
Level up your wealth game! 🚀
Here’s the TIME DEPOSIT GAME PLAN for January 2026, your quick guide to where your money can grow this month:
RATE The gross annual interest rate (p.a.) of each bank’s time deposit product, subject to a 20% withholding tax.
TENURE The lock-in period and the minimum/maximum deposit needed to qualify for the rate.
PAYOUT When interest is credited, monthly or at maturity.
LOCK-IN Funds cannot be withdrawn without penalty before maturity.
Choose wisely, match your goals, and let your money work smarter, not harder.

InvestEd
January 31, 2026
Authored by:
Chritzel Romero
Level up your wealth game! 🚀
Here’s the TIME DEPOSIT GAME PLAN for January 2026, your quick guide to where your money can grow this month:
RATE The gross annual interest rate (p.a.) of each bank’s time deposit product, subject to a 20% withholding tax.
TENURE The lock-in period and the minimum/maximum deposit needed to qualify for the rate.
PAYOUT When interest is credited, monthly or at maturity.
LOCK-IN Funds cannot be withdrawn without penalty before maturity.
Choose wisely, match your goals, and let your money work smarter, not harder.

DISCLAIMER: This content is for general information and educational purposes only. It does not constitute professional financial, legal, tax, or investment advice, nor is it an endorsement or solicitation to buy or sell any financial instrument or product. Investors' Society is not responsible for any investment decisions made based on this content, and it does not represent the views or advice of any educational institution, financial company, corporation, or related organization. Data presented is based on publicly available information and is not guaranteed to be complete, accurate, or up to date. Any financial or investment decisions you make are your own responsibility. You should seek independent advice from a qualified professional before acting. Investing involves risks, including possible loss of principal. Users should not rely solely on this information when making financial decisions.
Level up your wealth game! 🚀
Here’s the TIME DEPOSIT GAME PLAN for January 2026, your quick guide to where your money can grow this month:
RATE The gross annual interest rate (p.a.) of each bank’s time deposit product, subject to a 20% withholding tax.
TENURE The lock-in period and the minimum/maximum deposit needed to qualify for the rate.
PAYOUT When interest is credited, monthly or at maturity.
LOCK-IN Funds cannot be withdrawn without penalty before maturity.
Choose wisely, match your goals, and let your money work smarter, not harder.

WTF #3: Time Deposit Game Plan
InvestEd
January 31, 2026
Authored by:
Chritzel Romero
DISCLAIMER: This content is for general information and educational purposes only. It does not constitute professional financial, legal, tax, or investment advice, nor is it an endorsement or solicitation to buy or sell any financial instrument or product. Investors' Society is not responsible for any investment decisions made based on this content, and it does not represent the views or advice of any educational institution, financial company, corporation, or related organization. Data presented is based on publicly available information and is not guaranteed to be complete, accurate, or up to date. Any financial or investment decisions you make are your own responsibility. You should seek independent advice from a qualified professional before acting. Investing involves risks, including possible loss of principal. Users should not rely solely on this information when making financial decisions. All upcoming events are subject to change and final approval by the CSO.
DISCLAIMER: This content is for general information and educational purposes only. It does not constitute professional financial, legal, tax, or investment advice, nor is it an endorsement or solicitation to buy or sell any financial instrument or product. Investors' Society is not responsible for any investment decisions made based on this content, and it does not represent the views or advice of any educational institution, financial company, corporation, or related organization. Data presented is based on publicly available information and is not guaranteed to be complete, accurate, or up to date. Any financial or investment decisions you make are your own responsibility. You should seek independent advice from a qualified professional before acting. Investing involves risks, including possible loss of principal. Users should not rely solely on this information when making financial decisions.
DISCLAIMER: This content is for general information and educational purposes only. It does not constitute professional financial, legal, tax, or investment advice, nor is it an endorsement or solicitation to buy or sell any financial instrument or product. Investors' Society is not responsible for any investment decisions made based on this content, and it does not represent the views or advice of any educational institution, financial company, corporation, or related organization. Data presented is based on publicly available information and is not guaranteed to be complete, accurate, or up to date. Any financial or investment decisions you make are your own responsibility. You should seek independent advice from a qualified professional before acting. Investing involves risks, including possible loss of principal. Users should not rely solely on this information when making financial decisions. All upcoming events are subject to change and final approval by the CSO.
DISCLAIMER: This content is for general information and educational purposes only. It does not constitute professional financial, legal, tax, or investment advice, nor is it an endorsement or solicitation to buy or sell any financial instrument or product. Investors' Society is not responsible for any investment decisions made based on this content, and it does not represent the views or advice of any educational institution, financial company, corporation, or related organization. Data presented is based on publicly available information and is not guaranteed to be complete, accurate, or up to date. Any financial or investment decisions you make are your own responsibility. You should seek independent advice from a qualified professional before acting. Investing involves risks, including possible loss of principal. Users should not rely solely on this information when making financial decisions. All upcoming events are subject to change and final approval by the CSO.
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