Fixed Savings
Lock in returns without locking out your margin.
All products
FAQ
You can use funds from both your funding account and non-borrowed, transferable funds in your trading account.
By default, funds are deducted from the funding account first. If they're insufficient, the remaining amount is automatically deducted from your trading account. You can also manually choose to subscribe using Funding account only or Trading account only.
The start of interest accrual depends on when you subscribe.
- If you subscribe before 16:00 UTC+8, your interest will start accruing on the same day at 16:00.
- If you subscribe after 16:00 UTC+8, your interest will start accruing on the next day at 16:00.
Option 1: View on the Assets page
- Subscriptions that you aren't using as margin can be viewed under Funding account > Investment.
- Subscriptions that you are using as margin can be viewed under Trading account > Investment.
Option 2: View on the Wealth overview page
- When viewing by product, you can see all your Fixed Savings subscriptions listed together.
- When viewing by account, Fixed Savings subscriptions that you're using as margin appear under trading account. Subscriptions you aren't using as margin appear under funding account.
Principal: This depends on whether or not you're using your subscription as margin:
- Subscriptions being used as margin are deposited to your trading account.
- Subscriptions that aren't will be deposited to your funding account.
Earnings: For all subscription types, your earnings will be deposited to your funding account.
Products that are usable as margin: Funds will re-subscribe to a product with the same term that's also usable as margin. If the original subscription was being used as margin, the new subscription will continue to do so.
Products that aren't usable as margin: Funds will re-subscribe to a product that isn't usable as margin. If there's none available, funds will be subscribed to a product that's usable as margin, but won't be used as margin.
Notes
- Only the principal will be re-subscribed. Earnings will automatically be deposited into your funding account at the end of each term.
- Re-subscribed funds will follow the same margin usage as the previous subscription.