> For the complete documentation index, see [llms.txt](https://varntix.gitbook.io/resources/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://varntix.gitbook.io/resources/products/fixed-savings.md).

# Fixed Savings

### Fixed Savings

Fixed savings allow you to lock your digital assets for a defined period in exchange for a fixed and predictable rate of return.

Unlike flexible savings, funds allocated to Fixed Savings are locked for the full term, providing clarity on returns and income from the outset.

#### Key Features:

* Fixed interest rate locked for the full term
* Defined duration (e.g. 1–24 months)
* Predictable income with clear payout schedule
* Principal returned at maturity

#### How it works:

When you allocate funds to Fixed Savings:

1. You select a term and corresponding fixed rate
2. Your capital is locked for the chosen duration
3. Interest begins accruing based on the agreed rate
4. Payments are made according to the defined schedule
5. At maturity, your full principal is returned

#### Who is it for?

Fixed Savings is ideal for:

* Investors seeking predictable returns
* Long-term capital allocation
* Stable portfolio strategies
* Those who do not require immediate access to funds

#### When should I use Fixed Savings?

Fixed Savings is best suited when you:

* Want certainty over returns
* Are comfortable locking capital for a set period
* Are optimizing for higher yield compared to flexible options

Many investors use Fixed Savings alongside Flexible Savings to balance liquidity and income.

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