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Comparison: DPS vs FDR

Deposit Pension Scheme (DPS)Fixed Deposit Receipt (FDR)
Payment styleRegular monthly depositsOne-time lump sum deposit
Best forBuilding a savings habit over timeInvesting a lump sum for a fixed period
TenureTypically 3–15 yearsTypically months to 5 years
Interest calculationProfit on deposits, usually compounded monthlySimple or compound, frequency set by the bank
WithdrawalUsually only at maturityUsually only at maturity (premature often reduced)
RiskLowLow