At a time when traditional savings pay little interest and property investment has become too expensive for many, investors are looking for alternative and more flexible ways to build wealth. The ParkDepot is a safe and free short- to medium-term investment option with an interest rate that is guaranteed for three calendar months at a time.
In Germany, savers suffered under low interest rates for a long time. Leaving money in a savings book or overnight account meant, in effect, a loss of purchasing power through inflation. At the same time, many people shy away from the risks of direct share investment or the lack of flexibility of classic life insurance products. The ParkDepot is a safe, free investment option for this, with an interest rate guaranteed for three months at a time.
The interest rate follows the current market rate. After each three months it is set again for the next three months and guaranteed. The ParkDepot is not meant for taking advantage of the returns available on the global capital markets.
The ParkDepot is for savers and investors who want to invest their capital more efficiently than in a classic savings account, without long-term commitments. It is especially interesting for people with a short- to medium-term investment horizon and an interest rate that is guaranteed for three calendar months at a time.
When choosing a ParkDepot, look at the term, the interest guarantee, the liquidity terms and the tax treatment.
We help you find the right solution for your personal financial situation, so that your capital is parked safely and works sensibly for you.
ParkDepot: benefits
Guaranteed interest rate for three calendar months at a time. Can be cancelled daily. Withdrawals possible from 1,000 euros. Free account management and administration.
ParkDepot: term of 3 months up to a maximum of 5 years. ParkDepot reinvestment (Wiederanlage): 3 months up to a maximum of 2 years.
Security: Guarantee assets (Sicherungsvermögen) with special insolvency protection, BaFin supervision, additional protection through Protektor AG. Risk spread across around 50 investment segments.
Tax: Capital gains tax of 25% plus solidarity surcharge plus church tax where applicable is deducted automatically. Exemption order (Freistellungsauftrag) possible.
Opening online with Videoident/Postident. Automatic extension by 3 months up to the maximum term at a new interest rate.
For investment in Allianz products the full interest rate applies, otherwise half the interest rate on withdrawal before the end of the guarantee period.