FD investment

Hello everybody, Long time no see.

An old type investment tool Fixed Deposit could be the most reliable for new entry.
How to make your fixed deposit flexible and easy manage.

If you have 10k, you can divide the money into 5 portions for FD, each portion contains 2k,
First portion invests 1 year for 3%
Second portion invests 2 years for 3%(negotiate)
Third portion invests 3 years for 3 to 4%(negotiate)
Forth portion invests 4 years for 3 to 4% (negotiate)
Fifth portion invests 5 years for more than 4%(negotiate)

After 1 year, you reinvest the first portion for 5 years( take higher interest rate)
After 2 years, you reinvest the second portion for 5 years (take higher interest rate)
After 3 years, you reinvest the third portion for 5 years  (take higher interest rate)
After 4 years, you reinvest the forth portion for 5 years (take higher interest rate)
After 5 years, you reinvest the fifth portion for 5 years (take higher interest rate)
After 6 years, you reinvest the first portion for 5 years again...
...
...

Why do we invest in this way?
First of all, we cannot predict when are we going to use the money; therefore, we could plan to one of the portion in the recession year or we so called unlucky yea(unemployment or emergency used)
Secondly, we could have higher interest rate  for 5 years saving instead of 3 months( We usually make a Fixed Deposit for 3 months to 9 months compare to 5 years.)
Lastly, it will make the money increase faster and secure than other way.

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