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What is the difference between commercial banks “Time/Fixed Deposit” and E Capital Funds ?

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What is the difference between commercial banks “Time/Fixed Deposit” and E Capital Funds ?

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FD yields you a return of 1-7% per annum depending on the bank, while ECF will yield you an average of 20 – 25% per month, up to 400% per annum. You are able to “Surrender” your T/FD contract at anytime and collect back your principal but E Capital Funds ‘s does not have a “Surrender” policy. You are not able to collect back your principal midway through the program.

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