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    How the interest rate ladder works Four percent interest? That sounds tempting. Financial expert Thomas Hentschel explains what you should pay attention to with such offers – and when fixed-term deposits are better than daily deposits. By Udo Trichtl

    The Analyst by The Analyst
    July 23, 2026
    in Germany

    READ ALSO

    How do I cook really well? Our professionals from the SPIEGEL kitchen cabinet will tell you exclusively for SPIEGEL. Celebrity chef Johann Lafer, cookbook author Stefanie Hiekmann and investigative journalist Mohamed Amjahid answer your questions about food. For example: What belongs in every kitchen – and how do you save boring salads? An interview with Ayla Kiran and Claudio Rizzello

    The message from young voters to Trump: Dance off!



    How the interest rate ladder works Four percent interest? That sounds tempting. Financial expert Thomas Hentschel explains what you should pay attention to with such offers – and when fixed-term deposits are better than daily deposits. By Udo Trichtl



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