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Savings Products - JSON

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

[
  {
    "code": "01",
    "slug": "ordinary-deposit",
    "category": "Liquid Deposits",
    "name": "Ordinary Deposit",
    "description": "A deposit with no fixed term that allows free deposits and withdrawals."
  },
  {
    "code": "02",
    "slug": "savings-deposit",
    "category": "Liquid Deposits",
    "name": "Savings Deposit",
    "description": "A deposit that offers higher interest rates than ordinary deposits when a certain balance is maintained."
  },
  {
    "code": "03",
    "slug": "notice-deposit",
    "category": "Liquid Deposits",
    "name": "Notice Deposit",
    "description": "A deposit for short-term fund management requiring advance notice for withdrawals."
  },
  {
    "code": "04",
    "slug": "fixed-term-deposit",
    "category": "Time Deposits",
    "name": "Fixed-Term Deposit",
    "description": "A deposit with a fixed term during which withdrawals are generally not allowed until maturity."
  },
  {
    "code": "05",
    "slug": "installment-savings",
    "category": "Time Deposits",
    "name": "Installment Savings",
    "description": "A savings plan where a fixed amount is deposited monthly to reach a target amount."
  },
  {
    "code": "06",
    "slug": "large-denomination-deposit",
    "category": "Time Deposits",
    "name": "Large-Denomination Deposit",
    "description": "A negotiable-rate deposit available for deposits of 10 million yen or more."
  },
  {
    "code": "07",
    "slug": "variable-rate-deposit",
    "category": "Time Deposits",
    "name": "Variable-Rate Deposit",
    "description": "A time deposit with interest rates reviewed at regular intervals."
  },
  {
    "code": "08",
    "slug": "whole-life-insurance",
    "category": "Savings-Type Insurance",
    "name": "Whole Life Insurance",
    "description": "A savings-type life insurance with lifetime coverage."
  },
  {
    "code": "09",
    "slug": "endowment-insurance",
    "category": "Savings-Type Insurance",
    "name": "Endowment Insurance",
    "description": "An endowment insurance that pays benefits at maturity and upon death."
  },
  {
    "code": "10",
    "slug": "personal-annuity",
    "category": "Savings-Type Insurance",
    "name": "Personal Annuity Insurance",
    "description": "Insurance that provides retirement funds in annuity form."
  },
  {
    "code": "11",
    "slug": "education-insurance",
    "category": "Savings-Type Insurance",
    "name": "Education Insurance",
    "description": "Insurance for systematically preparing a child's education funds."
  },
  {
    "code": "12",
    "slug": "government-bonds",
    "category": "Others",
    "name": "Government Bonds for Individuals",
    "description": "Government-guaranteed bonds issued by the Japanese government."
  }
]