THE Postal fruits vouchers They are one of the most loved forms of savings and investments. The reason is that they are safe products, simple to understand and guaranteed by the state. Precisely because they are often purchased, it can happen that they are forgotten in the drawer for years for which doubt can arise on their duration. Understand if i ordinary titles they last 20 or 30 years It is important not only to know when you can collect the figure invested with interest but also to avoid nasty surprises. Here are more information about it and what ordinary titles make today.
How long do the ordinary BFP last, 20 or 30 years?
The duration of ordinary postal fruits vouchers It depends on the date on which they were issued and therefore on the one in which they were signed.
If its title has been issued by December 27, 2000 it is part of the series “Z“And it has one duration of 30 years. It therefore means that they can be held up to 30 years from the date of issue and continue to mature interests throughout this time period, exactly until 31 December of the year in which they will expire.
Here is an example:
Giacomo has an ordinary postal fruit voucher issued on October 15, 1998. The interests relating to this title will continue to mature until 31 December 2028.
Trential postal vouchers mature:
- Interest in the capitalization regime composed in the first 20 years with composed capitalization, it means that each time they also calculate on previous interests;
- Interest in the capitalization regime simple from the 21st to the 30th year or are always calculated on the initial figure without calculating the interests already accrued.
As regards, however, the vouchers issued starting from 28 December 2000 and therefore by the “A1” or subsequent series, in this case the duration is 20 years. After exactly this time span, the vouchers no longer mature.
Example:
Giacomo has a voucher issued on January 10, 2025. It will expire on 10 January 2025 for which after this date it will no longer produce interests.
For all 20 years, the interests of ordinary vouchers will always calculate with composed capitalization.
What happens if postal fructifers expire?
The BFPs, as explained, they stop producing interests from the day following the deadline. This applies to all good, both paper and dematerialized. If you have a paper title, once expired, you will have 10 years to collect capital and interests. If this time span does not respect, the prescription will start following which the right to receive the money invested and the interest will be lost.
If the paper voucher It has been issued until April 13, 2001, the amount not received will go to the MEF. If, on the other hand, the title was issued from 14 April 2001 onwards, the money will be transferred to a special fund for the dormant deposits always managed by the MEF.
If you have a dematerialized voucher or electronically recorded, without paper, the prescription will never take place. The refund will in fact take place automatically at the deadline and the amount consisting of capital more interest will be credited directly to the regulation account associated with the voucher that can be a saving booklet or a Bancoposta account. The good, however, must have the same header as one of these products.
How much do they yield ordinary good today?
Among the best postal fruits of May are the ordinary who last 20 years from the date of subscription. These securities offer a fixed performance or a previously established gain that grows over time. The longer the good is held, therefore, the more you will earn. If, however, you want to ask for a refund before one year has passed since the subscription will not accrue any interest.
The latter:
- He will calculate every two months and therefore will be bimonthly;
- It will be capitalized every year for which interests will be added to those already accrued.
Ordinary vouchers as well as all the others can only be registered to natural persons and therefore to private citizens. They can also be co -staggered but maximum between four subjects. They cannot be Instead joint vouchers:
- between an adult and a minor;
- Two minors.
As explained, then, if a dematerialized voucher is purchased, then, the header must be the same as the postal current account or the savings book to which it is connected.
You can buy ordinary vouchers only starting from 50 euros and multiple of this figure and on a working day they can be subscribed up to 1,000,000 euros.
As for the returns, The conditions in force from 11 February 2025 communicate that:
- At the end of the 1st, 2nd or 3rd year, there will be a gross annual rate of 0.75%;
- At the end of the 4th year, the yield will be 0.81%;
- At the end of the 5th year, the gross rate will be 1.05%;
- At the end of the 6th year, the return will be 1.25%;
- at the end of the 7th year of 1.39%;
- At the end of the 8th year, the rate will be 1.53%;
- At the end of the 9th year, the yield will be 1.66%;
- At the end of the 10th year, the rate will be 1.80%;
- At the end of the 11th year, the yield will be 1.91%;
- After 12 years, the rate will be 2%;
- After 13 years, the gross annual yield will be 2.15%;
- After 14 years, the rate will be 2.28%;
- At the end of the 15 years, the rate will be 2.39%;
- At the end of the age of 16, the yield will be 2.50%;
- At the end of the 17 years, the interest rate will be 2.62%;
- After 18 years, the yield will be 2.72%;
- After 19 years, the interest rate will be 2.84%;
- After 20 years, the gross annual actual yield will be 3%.
Here is an example of performance:
Suppose to buy a postal post -value good fruit of 3000 euros. From the Poste Italiane calculator, it is clear that the net value on the deadline will be 5,115.48 euros. The latter corresponds to the sum of the inserted amount and the interests provided for net of the withholding tax on interest. However, the calculation is not considered the stamp duty that is calculated according to current legislation. This title will then expire on May 27, 2045 and will be prescribed on May 28, 2045.
Please note that postal vouchers are subject to taxation on interest of 12.50% as happens with government bonds and that they are subject to a stamp duty of 0.2% on capital if their total value exceeds 5,000 euros.
In addition, from 3 April, the vouchers together with the government bonds are outside the ISEE. The unique satisfaction declarations that had already been presented in the current year will still remain valid until the new deadline. However, there will be the possibility to request a new certificate by presenting a new DSU calculated according to the recently introduced legislation.
