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Bei langfristigen Festgeldanlagen empfiehlt es sich, ein Land mit einer stabilen Finanzlage zu wählen. Das Einlagensicherungssystem des jeweiligen Landes schützt die Anlagesumme auf dem Festgeldkonto im Falle einer Bankinsolvenz. Könnten die Zinsen ansteigen, wäre ein zu Beginn der Laufzeit attraktiver Zinssatz plötzlich weniger vorteilhaft, da das allgemeine Zinsniveau gestiegen ist.

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