Almost a year ago, I had a blog post titled "How to earn 6.30% interest in 4 years?" Back then, I said I found the ad objectionable because it was misleading. Although I did not say so at that point in time, I was also wary of how interest rates were more likely to rise than not in future. This would have been abundantly clear in other blog posts I have published. Today, a one year fixed deposit could get us as much as 1.6% per annum. A two year fixed deposit could get us 1.8% per annum. With interest rates more likely to go up in future, a person who chose not "to earn 6.3% interest in 4 years" last year is probably going to do much better than someone who did.   Think and think again before buying products like this. Remember, nobody cares more about our money ......