Time Deposits | Worth It Ba?

Nakatengga lang ba ang extra cash mo sa regular savings account? Sayang ang interest! 🚨 Kung may pera ka na siguradong hindi mo gagamitin for a few months (like a travel fund or tuition fee savings), a Time Deposit might be the perfect, low-risk way to grow your money. In this video, we are breaking down everything you need to know about Time Deposits—straight to the point and beginner-friendly! We'll cover how it works, the pros and cons, the exact maturity options you should choose to maximize compounding interest, and if it's actually worth your money. ♡ Links Mentioned/Relevant Links: Check out my PAGIBIG MP2 Playlist Here:    • PAG-IBIG MP1/MP2   RCBC Time Deposit:    • How to Open RCBC Time Deposit Online | Ear...   ♡ What's in this video: 0:00 - Intro: Sayang ang Interest! 0:42 - What is a Time Deposit? (The VIP Lockbox) 1:44 - The 4 Core Mechanics (Minimums, Terms, & Rates) 3:04 - What Happens Upon Maturity? (The 3 Options Explained) 5:33 - Important Details: 20% Tax & PDIC Safety 6:13 - The Catch & FAQs (Can I withdraw early?) 6:54 - Conclusion: Is a Time Deposit Worth It? #TimeDeposit #PersonalFinancePH #InvestingForBeginners #PassiveIncomePH #financialliteracyph --------------------------------------------- DISCLAIMER This video has been created for informational purposes. This should not be considered as legal financial advice. Do your own research before investing or opening an account in any type of platform. ---------------------------------------------- https://raejulian.my.canva.site/ ♡ Products, Referral Links, and Rewards: 💸 Check my Finance Links & Earn Rewards: https://raejulian.my.canva.site/finance ✈️ Check my Travel Deals & Promos: https://raejulian.my.canva.site/travel 🛍️ Shop all my Must-Haves: https://raejulian.my.canva.site/shop ♡ Klook Code for Discounts: RAEJULIANKLOOK ♡ Stay Connected: ✅Subscribe to my channel for more:    / @raejulian   ✅Follow me on Instagram:   / raejulianph   ✅Check out my Etsy shop: https://www.etsy.com/shop/craezycraft... ✅For business inquiries: raelannepjulian@gmail.com #raejulian #freelanceLifestyle #finance #travel #productivity INTRO MUSIC -------------------------------------------------------------- ♪ Sunset (Prod. by Lukrembo) Link :    • lukrembo - sunset   --------------------------------------------------------------