Leaving your money on the current account is not a wise choice and the main reason is called inflation. It means that with the same money, with the passage of time, you can buy fewer goods and services. In addition, current accounts often offer returns equal to zero. Depending on the case, a payment is also requested. A monthly fee to keep them active, as well as any other costs.
Keep your money parked, therefore, do not fruit almost nothing. THE Postal fruits vouchers they could instead represent a safe and accessible choice to grow their capital. They are in fact guaranteed by the state, have a taxation of 12.50% and, moreover, give the opportunity to request a refund at any time. Furthermore, they have no management costs or initial expenses for which they are ideal products for those who approach the world of the world for the first time saving invested.
Among the best of the moment there is the Good future solution For those who want to invest in the long run and build a small additional entrance during old age. An intelligent and provident way to be able to face daily expenses with greater serenity. So here is how this product issued by Cassa Depositi e Prestiti works and distributed by Poste Italiane.
The two main phases of the good future solution
Among the best postal fruits of April 2025 there is the Future solution. It is designed for those who want to receive an annuity after 65 years of age. This type of good is divided into two main phases:
- that of accumulation;
- that of income.
The first starts from the purchase of postal postal fruits and ends when you reach 65 years. In this time span its money grows. Every 6 months, in fact, interests that are calculated based on the capital that has been invested. Finally, when you turn 65, the money invested together with the interests that accrued up to that moment are obtained.
There income phaseInstead, he begins the day after the 65 -year -old and lasts until the age of 80. In these fifteen years It happens that every month you receive a fixed sum. The latter consists of its capital and interest.
The subscriber can still ask when he wants to return the invested capital, together with the interest accrued, even before turning 65. However, interest before the three years are not paid.
The good characteristics characterized future solution
The main characteristics of the future postal fruit voucher for future solution are as follows:
- it cannot be coinage;
- It is signed only by a single natural person aged between 40 and 54;
- It can then be requested until the day before the completion of the 55 years;
- To sign it, it is necessary to have an account account account that can be a post saving booklet or a BancoPosta current account and must have the same header as one of these products.
As for the duration, it depends on the age of those who subscribe to it. Here is an example:
- If he subscribes to 45 years, he will last 35 years;
- If he subscribes to 50 years, he will last 30 years.
The expiry of the postal fructifers then takes place at the age of eighty years and from that date the prescription deadline that occurs 10 years from the deadline begins to run.
THE’minimum amount To be subscribed is 50 euros and multiple sums of this figure or 100, 150, 200 euros and so on. On the same working day, then, every single saver can sign up to 1 million euros in this type of postal vouchers.
The net installment of the good future solution
As explained, when you arrive at the age of 65, the annuity phase begins. From that moment on, in fact, a fixed sum is received every month, which is called “clear installment“. The latter does not change over time, it remains constant until 80 years are reached.
It is given by the invested capital and the accrued interests (upright) Until that day. The upright not yet reimbursed through the installments, then, continues to mature interests in the entire annuity phase.
If the revlation of inflation is triggered at the completion of the 65 years, the installment will also be higher than the minimum expected. In the case of subscription of the most good future solution, however, the installments of each will add up to each other for which you will receive a single higher installment. The latter will be credited:
- Every month on their birthday;
- If the day was a holiday, the following first working day;
- In the case in that month there is no day, for example, on February 30, the installment will receive the last working day of the month.
If you want to withdraw before the 80th anniversary, they will be returned:
- the money that has not yet been paid through the installments;
- interest accrued up to 65 years of age.
What are the performance rates?
The gross annual return rate Applied to the amortization plan of the annuity phase is as follows: 3.50% from the day of the age of 40 per day before the completion of the 55 years.
Example reimbursement calculation
By assumed to invest in the future post solution 20.000euro in the postmark, the reimbursement value until the 65 years are achieved according to the Italian Post Office, it will be the following:
- If the age of the saver at the time of subscription is between 54 years and 6 months and 55 years, the minimum reimbursement value upon reaching 65 years will be 26,369euro, the minimum net installment for 15 years of 184 euros, the total minimum value of the 180 installments paid until the fulfillment of the eightieth year of 33,164euro;
- If the age of the saver at the time of subscription is between 50 years and 6 months and 51 years, the minimum reimbursement value upon reaching 65 years will be 29,364euro, the minimum net installment for 15 years of 206 euros, the total minimum value of the 180 installments paid until the fulfillment of the eighth year of 37.019euro;
- If the age of the saver at the time of the subscription is between 45 years and 45 years and 6 months, the minimum reimbursement value upon reaching 65 years will be 35,677euro, the minimum net installment for 15 years of 251 euros, the total minimum value of the 180 installments paid until the fulfillment of the eightieth year of 45.142euro;
- If the age of the saver at the time of subscription is between 40 years and 6 months and 41 years, the minimum reimbursement value upon reaching 65 years will be 43,142euro, the minimum net installment for 15 years of 304 euros, the total minimum value of the 180 installments paid until the fulfillment of the eightieth year of 54,760Euro.
The gross annual rate minimum performance in the case of early reimbursement to the 65 -year -old of the age of the subscriber is the following:
- 3.50% from 40 to 43 years;
- 3.25% from 43 to 49 years of age;
- 3% from 49 to 55 years old.
