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A term deposit is a fixed-term investment that includes the deposit of money into an account at a financial institution. A certificate of deposit (CD) is a savings product that earns interest on a lump-sum deposit that's untouched for a predetermined period of time.Each investment pool has specific requirements that must be met in order to receive approval for a requested transaction. Most investors maintain a "cash" account that requires pay- ment in full for each security purchase. Liquidity reflects a financial institution's ability to fund assets and meet financial obligations. The date that an investor's investment is to be paid back in full in accordance with its agreement. CDs are useful additions to most investment portfolios because they offer safety and a predictable return. Normally at least 99. Certificates of deposit (CDs) can be a good choice when you want steady, predictable investment income that is federally insured.1. Copies of bank statements or investment portfolio statements.