ETF vs term deposit: which is better?

Quick answer (30 seconds)

ETF vs term deposit: term deposits are stable, ETFs can grow faster long-term but fluctuate — here’s the simplest way to think about it:

A term deposit is usually best if you need certainty by a specific date.
An ETF (index fund) may win over long horizons, but returns are not guaranteed and can drop short-term.
Use the calculator to compare different rates, timelines and contribution plans.

Term deposits can suit short fixed timelines. ETFs may suit long horizons but carry volatility risk.

If your end date is fixed, stability matters. If you can wait out downturns, investing may make more sense.

Keep exploring — these pages connect directly to calculators so you can run your own numbers.

Is an ETF always better than savings?

No. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.

What timeline suits ETFs?

Many people prefer 5+ years, but it depends on volatility and your flexibility.

How do I compare properly?

Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.

Does this include tax/fees?

No. Treat results as estimates and use conservative assumptions.

What’s the simplest next step?

Run a conservative savings scenario and a conservative ETF scenario, then compare.