INI

Savings Products - INI

Savings products are a general term for financial products that prioritize capital preservation, such as deposits, savings-type insurance, and government bonds for individuals. These products aim to grow assets while minimizing risk, and include various types such as liquid deposits (ordinary deposits, savings deposits, etc.), time deposits (fixed-term deposits, installment savings, etc.), savings-type insurance (whole life insurance, endowment insurance, personal annuity insurance, education insurance, etc.), and government bonds for individuals. It is important to choose appropriate products based on the purpose of funds, time horizon, and risk tolerance.

financial products savings deposits insurance asset management capital preservation

[item.ordinary-deposit]
code=01
slug=ordinary-deposit
name=Ordinary Deposit
description=A deposit with no fixed term that allows free deposits and withdrawals.
category=Liquid Deposits

[item.savings-deposit]
code=02
slug=savings-deposit
name=Savings Deposit
description=A deposit that offers higher interest rates than ordinary deposits when a certain balance is maintained.
category=Liquid Deposits

[item.notice-deposit]
code=03
slug=notice-deposit
name=Notice Deposit
description=A deposit for short-term fund management requiring advance notice for withdrawals.
category=Liquid Deposits

[item.fixed-term-deposit]
code=04
slug=fixed-term-deposit
name=Fixed-Term Deposit
description=A deposit with a fixed term during which withdrawals are generally not allowed until maturity.
category=Time Deposits

[item.installment-savings]
code=05
slug=installment-savings
name=Installment Savings
description=A savings plan where a fixed amount is deposited monthly to reach a target amount.
category=Time Deposits

[item.large-denomination-deposit]
code=06
slug=large-denomination-deposit
name=Large-Denomination Deposit
description=A negotiable-rate deposit available for deposits of 10 million yen or more.
category=Time Deposits

[item.variable-rate-deposit]
code=07
slug=variable-rate-deposit
name=Variable-Rate Deposit
description=A time deposit with interest rates reviewed at regular intervals.
category=Time Deposits

[item.whole-life-insurance]
code=08
slug=whole-life-insurance
name=Whole Life Insurance
description=A savings-type life insurance with lifetime coverage.
category=Savings-Type Insurance

[item.endowment-insurance]
code=09
slug=endowment-insurance
name=Endowment Insurance
description=An endowment insurance that pays benefits at maturity and upon death.
category=Savings-Type Insurance

[item.personal-annuity]
code=10
slug=personal-annuity
name=Personal Annuity Insurance
description=Insurance that provides retirement funds in annuity form.
category=Savings-Type Insurance

[item.education-insurance]
code=11
slug=education-insurance
name=Education Insurance
description=Insurance for systematically preparing a child's education funds.
category=Savings-Type Insurance

[item.government-bonds]
code=12
slug=government-bonds
name=Government Bonds for Individuals
description=Government-guaranteed bonds issued by the Japanese government.
category=Others