The peak yield on deposits has passed: what should investors do? Banks have become less likely to offer deposits with high rates, and the most favorable terms are now more often found on deposits of up to six months. According to expert Mary Valishvili, investors must take into account the timing of the money placement and the possibility of early withdrawal. Long-term deposits allow you to determine the current interest rate, but in the case of early closing, the interest rate is often recalculated at the minimum rate. Short-term deposits provide more flexibility, but after rates are cut, money may need to be placed at a lower interest rate. "Deposit scale" - dividing savings into several parts with periods, for example, three, six and twelve months. This allows you to gradually gain access to money and choose new terms. Consider taxes: income after paying personal income tax may be lower than the declared profitability.