THE Postal fruits vouchers They are among the favorite savings and investment products by Italians, especially by those looking for security and guaranteed returns. They like them a lot because they are issued by Cassa Depositi e Prestiti which is a public control actions company and then because they guarantee stable interests and are easy to sign. Not all BFP are the same, some offer taller rates against longer constraints. Others, however, are more flexible but offer lower returns. So what are the best in June 2025 for short and long investments?
Short and long investments
There are two types of postal vouchers. There are those of short duration and those of longer duration. The former are usually chosen if you have close objectives such as the realization of a small emergency background while the latter if you have distant goals like creating a small piggy bank for your children. In addition, many invest in these products to protect capital from inflation over time.
To understand which product to choose it is important to evaluate when the money that she sets out will be needed. If you serve within 5 years, short -term postal fruits should be chosen. If, on the other hand, the capital to invest will not serve for a long time, then you should opt for long -lasting titles as they are the ones that make the most.
Here is an example:
Giacomo has 15,000 euros to invest. The first option is a 3 -year -old voucher that offers him a 1.5%rate. The second option is a voucher that lasts 10 years and offers him a performance of 3%. If in Giacomo the invested capital will serve in 3 years, then he should choose the first option. In case you just want to put savings aside, for example for pension, you will have to opt for option 2.
Short -term fructifers vouchers
Among the best postal fruits of June 2025 for those who want to invest their money for a short time, there are the renews 4 years and 4 years Plus.
To subscribe to the first, it is necessary to have asked for a refund of a expired title starting from 1 January 2024 and within the period of placement of the Good renews 4 years. However, the titles dedicated to minors and those 4 years of savings are excluded.
Over the entire day it is possible to subscribe to the best of this type, even the next day to the one in which the reimbursement of your expired title took place. Any subscriptions are allowed, explains Poste Italiane, but only on the occasion of subsequent reimbursements of good and not prescribed vouchers. Returning to the title, it lasts 4 years and offers an annual gross interest rate of1.50%.
The reimbursement if the subscription is paper, takes place for the entire value of the voucher in a single solution within the limitation period without additional costs. If, on the other hand, of subscription in dematerialized form, it is possible to decide whether to receive a refund in a single solution or in partial form for amounts equal to 50 euros and multiple.
Here is an example of performance:
Giacomo acquires a postal value of 6,000 euros on 1 June 2025. From the postal Italian calculator, it is clear that at the deadline or 1 June 2029 the net reimbursement value will be 6,322.16 euros. In this calculation the bolus tax that is calculated according to current legislation was not considered. In the case, Giacomo has chosen a paper title will have to request a refund by June 2, 2039 as the prescription will start from this date for which he will lose the possibility not only to receive the invested capital but also the interest accrued.
As explained, the good renews 4 years is not subscribed by everyone unlike the 4 years Plus which, however, offers 4 years, a slightly lower return, exactly by 1.25%. Just as the other title, the refund before the age of 4 is possible but in this case only the capital invested without interest is obtained.
Here is an example:
Suppose to invest 6,000 euros in the 4 -year BFP Plus on 1 June 2025. At the deadline, or on 1 June 2029, according to the Calculator of Poste Italiane, 6,267.46 euros will be received. Also in this case it was not considered the stamp duty that applies according to current legislation.
What are the long -lasting vouchers
In addition to short -term postal fruits vouchersthere are also those who last longer. Among the best in June 2025 there are i 3 × 4 And the ordinary. The first last 12 years and predefined and growing performance rates are recognized after three, six and nine years. It is always possible to ask for the total or partial reimbursement of the capital invested within the prescription term but the accrued interest will be received only after the first three years. It means that if the second year is asked for the second year, only the capital invested to the tax charges will be recognized. As for the returns, From the conditions in force on 11 February 2025, it is clear that:
- After 3 years you will perceive a gross annual rate of 1%;
- After 6 years a rate of 1.25%;
- After 9 years, a gross annual rate of 2.25%;
- After 12 years, a gross return of 3%.
Here is an example:
Giacomo on 1 June 2025, purchase a 3 × 4 voucher worth 6,000 euros. From the Poste Italiane calculator, it is clear that at the deadline or 1 June 2037, he will get 8,235.25 euros. In this calculation, as well as for others, however, the stamp duty which is 0.2% of the capital has not been calculated. Finally, this title will go into prescription on June 2, 2047.
Ordinary postal vouchers
Finally, there are ordinary postal vouchers. These products last twenty years and offer predefined returns that grow from the first year. The reimbursement is always possible at any time but to receive the interest accrued in addition to the invested capital, the first year will also be accrued. Annuous gross interest rates are as follows:
- 0.75% after 1-2-3 years;
- 0.81% after 4 years;
- 1.05% after 5 years;
- 1.25% after 6 years;
- 1.39% after 7 years;
- 1.53% after 8 years;
- 1.66% after 9 years;
- 1.80% after 10 years;
- 1.91% after 11 years;
- 2% after 12 years;
- 2.15% after 13 years;
- 2.28% after 14 years;
- 2.39 % after 15 years;
- 2.50 % after 16 years;
- 2.62% after 17 years;
- 2.72% after 18 years;
- 2.84% after 19 years;
- 3% after 20 years.
Here is an example of performance:
Suppose to purchase an ordinary postmark of 6,000 euros on 1 June 2025. At the end of the 20 years or on 1 June 2045, as can be seen from the post -Italian post office calculator, the net reimbursement value will be 10,230.95 euros. The latter corresponds to the sum of the inserted amount and the interests provided for net of the withholding tax on interest. The stamp duty, to be calculated on the basis of current legislation, however, was not considered.
