Question

an account offers a guaranteed 3% interest rate, with interest compounded annually, and the principal amount can be withdrawn after 5 years. is this a fixed - investment?
no, because it allows early withdrawal
yes, because it offers a guaranteed interest rate and principal repayment at a specified time
yes, because it is a savings account.
no, because the interest is compounded annually

Explanation:

A fixed - investment typically offers a guaranteed interest rate and principal repayment at a specified time. In this case, the account has a guaranteed 3% interest rate and principal can be withdrawn after 5 years, which meets the criteria. The ability to withdraw early or the compounding frequency doesn't change the fact that it's a fixed - investment due to the guaranteed rate and specified time for principal repayment.

Answer:

Yes, because it offers a guaranteed interest rate and principal repayment at a specified time.