An Idea That Could do Well in a World Lacking It

I don’t like the idea of risk in a fluctuating market, but I do like the idea of a term deposit. If you have a charity, every cent people donate could go into a term deposit, the interest made could be used for social projects while the original money keeps going back into term deposit.
A term deposit usually returns about 5% over a 6 month period and as people continue to donate a monthly charity, this goes into more term deposits and when situations arise, you can unite the funds into one larger term depository. (chances are you will have multiple term deposits running simultaneously because it is a waste of time to wait 6 months to unite them all, especially considering you recieve monthly donations)
Eventually you have millions of dollars returning 5% every month but that only increases, perhaps one day hitting the billions, and 5% of a billion is $50 million. If you have 6 term deposits, you will have $50 mil per month to use on social programs and zero risk. Sure, it is not 12-14% return but it is guaranteed and safe.

@eyesopen, Yes, to clarify, every month when the donations come in you would put it into a term deposit, and as they go for 6 months you cannot add or take from that term deposit until the term has finished.
As I said, donations come in monthly so you would have 6 term deposits running, as the donations come in a term deposit period would end and you take the 5% and put the original money back into a term deposit, with the monthly donations on top. The 5% is just the cream that you can scrape off the top, all the original donations are constantly building and are never spent.
So you get $100 per month (for example) the first $100 goes into term deposit, next month the same, for 6 months. Then the first term deposit ends and you get your $100 back and the 5% interest also, so now you have $105, but then that months donation comes in so now you have $205, you take the $5 and do what you want with it but put the $200 into another term deposit.
A month later you do the same with the second term deposit. Then that $200 term ends and you get a $10 return, so you have $210, but then the monthly donation comes in, so you have $310, do what you want with the $10 but put the $300 into a new term deposit. (you see the idea)
But that is with the idea that you have a set ammount of charity coming in, only $100 per month, but in reality; more people will sign up and this will increase. As you have 6 term deposits working for you, one for each month that the standard 6 month term deposit goes for, if you have $1 million in each you will have 5% cream which is $50k to play with each month.
The idea of $50mil per month is if you have a $billion in each of the 6 term deposits, so $6billion all up. There is a very long way to go before you get that much working for you, but if it trends as an idea and mass ammounts of people get on board for a monthly donation then it could be an amazing social movement, and nothing political about it, it’s all about using the shitty system we have to work with.