The always high inflation and dancers’ interest rates are pushing more and more savers to look for solutions so as not to leave their money parked on the current account as the latter often offers very low returns. Among the most popular options on which to invest are postal fruits and deposit accounts because they are considered low -risk products. Which to choose of the two then and why?
Why choose Postal Fruit Goods
Postal fruits are a saving product and safe investment because it is guaranteed by the Italian state. It is issued by Cassa Depositi e Prestiti and placed on the market by the Italian Post Office.
These securities like them a lot because they are free of expenses for purchase and reimbursement, they are also ideal for those who want to invest in medium-long term. Among the best postal fruit vouchers are the 3 × 4 which as can be seen from the name last 12 years and offer a 3%gross annual return rate.
They are also perfect for whom:
- Look for a safe product as, as mentioned, they are guaranteed by the Italian state;
- wishes for subsidized taxation which is 12.5% on interest.
It should not be forgotten that from April 3, together with savings booklets and government bonds are excluded from the ISEE for a maximum amount of 50,000 euros per family.
Postal vouchers are therefore an ideal form of investment for those who are patient and want to keep the value of their assets over time as:
- grandparents and parents who want to put aside sums for grandchildren or children;
- For workers or pensioners who are in no hurry to liquidate the money and want a reliable investment.
Why choose the deposit accounts
The storage accounts, as well as the BFPs, are very loved savings and investment products. They are offered by banks and thanks to them it is possible to set aside their savings in exchange for a higher interest rate than that of the traditional current account.
They are ideal for those who want to get a safe return on their money without taking risks. The figures of up to 100 thousand euros per depositing and bank, in fact, are covered by the Fitd which is the interbank deposit protection fund.
These products can be free or tied. In the first case, it is possible to withdraw the money at any time but the performance is lower while in the second case, the capital is blocked for a certain period for which you have a higher interest rate.
Among the best storage accounts of the moment there is the one tied for Premium Illimity customers which offers a gross performance of 3%.
They are recommended for whom:
- wishes to obtain higher interests in the short term;
- wishes a safe product;
- can accept a higher taxation, exactly 26%, and take advantage of slightly higher yields;
- wishes greater flexibility.
They could therefore be the ideal product for:
- young savers who wish to obtain liquidity in a short time;
- workers who do not want to keep their money for too long;
- Families to accumulate a small nest egg to keep for sudden expenses.
What to choose and why?
It is not easy to decide whether to opt for postal vouchers or deposit accounts because both are safe products and offer non -high returns. In any case, he could orient himself for the first ones who are looking for:
- safety;
- stability;
- tax benefits;
- A long -term investment.
Those who instead aim to maximize performance in the short term should choose the deposit accounts even if the taxation is higher. The choice, therefore, depends above all on the time horizon and the need to have capital in more or less short times.
