A few days ago, Donald Trump He established that the duties for the European Union will be 30% and this is worrying a lot of families. The latter, in fact, fear that global prices can rise further by creating even more inconvenience and economic difficulties. Savers, on the other hand, wonder if it is better at the moment invest in gold or in Btp Since both options are considered as a safe form of investment, despite having different advantages and risks. Here is more information about it.
Investing in gold today, is it convenient?
Forever, They is considered a Well of refuge That is, a form of investment that maintains or increases its value when there is a period of strong instability or crisis. Those who buy it has the aim of protecting their savings but, difference in government bonds, do not generate coupons.
The main advantages of investing in gold are:
- that it does not depend on governments or central banks;
- which is a value reserve when there is a crisis situation;
- that can be liquidated easily.
However, there are also some disadvantages to invest in this material or:
- which does not produce interests;
- which is subject to price oscillations as it can drop in the event of a drop in inflation or strengthening the dollar;
- It can have custody costs.
Investing in BTP is it convenient?
The vouchers of the poliental treasure also called BTP are government bonds short-term-term term that work in this way: the saver acquires them by lending money to the state, the latter then repays with the interests and return of the capital to the expiry.
These products can be purchased in two ways: in auction or on the secondary market after the issue.
To get an idea of returns, here are the results of the Latest auctions of government bonds:
- BTP at 5 years OTR – auction of 27 June 2025 – yield of 2.68%;
- BTP at 10 years – auction of June 27, 2025 – return of 3.48%;
- BTP at 5 years – auction of June 27, 2025 – yield of 2.74%;
- BTP at ST 2 years – auction of 25 June 2025 – yield of 2.12%;
- BTP at 3 years – auction of 12 June 2025 – yield of 2.24%;
- BTP at 30 years – auction of 12 June 2025 – return of 4.25%;
- BTP at 5 years – auction of 12 June 2025 – return of 3.02%;
- BTP Green 13 years old – auction of 4 June 2025 – return of 3.69%;
- BTP at 5 years – auction of June 4, 2025 – yield of 2.77%.
THE advantages To invest in BTP are certainly the guaranteed fixed coupon, the facilitated taxation as well as a good liquidity.
The disadvantages they are instead:
- the risk of loss in the case of early sale;
- which depend on the stability of the Italian state.
Gold or btp what should you choose?
Invest in gold It could be the right choice for those who want Crisis protection. In fact, as mentioned, it holds value when there is a strong inflation, a war or a collapse on the bag.
It is also ideal for whom:
- Look for a long -term investment without risk of default;
- It does not have a fixed income, gold does not pay interest for which it is excellent for those who do not need monthly revenue.
Gold is therefore recommended as form of protection But it should never exceed 10-15% of the overall assets. The reason is that, as explained, it does not generate revenue so that if you invest in it, one’s assets does not grow over time but remains firm unless the price goes up.
In addition, if gold is kept in the safe, the custody and insurance must be paid. In the event that you purchase by ETF, however, it is necessary to pay the management commissions.
It is better, instead, invest in btp:
- If you have a prudent profile;
- You want a constant annuity;
- There is confidence in the Italian State estate.
These products are ideal for families, small savers and pensioners with a medium-long term horizon. More in detail, they could be the right choice for those who want a safe and regular income because they pay fixed interests every 6 months and for those who want a low risk investment. Furthermore, for those who do not want to worry about market oscillations.
BTP auctions and gold prices: how to monitor them
If you want to invest in gold or in the vouchers of the polienty treasure, the advice is that of monitor frequently the dates of emission, the indicators market and Prices.
As for the BTP, you should regularly check the website of Ministry of Economy and Finance as they find on it:
- auction calendars;
- the results of the past auctions;
- official press releases;
- interest rates and coupons.
Alternatively, it is also possible to consult the official website of the Italian stock exchange to view:
- the actual performance of the BTPs;
- the ISIN code and the deadline;
- the graphs of the historical trend;
- Real -time market prices.
Many banks such as Fineco, Intesa Sanpaolo or Banca Sella, just to name a few, then give the opportunity to receive notifications on the new auctions. Also, they allow:
- to access directly to subscriptions to auction;
- to use the updated data on prices and returns.
To monitor the price of gold instead, it could prove useful:
- viewing the graphs in real time, many platforms show the trend of the price at the kilo, ounia and gram and the update is continuous;
- view the price historian to see trends on ten, five or one year;
- Receive notifications or alerts if the set price is reached;
- Use apps on the smartphone that offer updated rates, alerts, graphics and also give the possibility to convert the units, for example from gram to ounce or vice versa.
For those looking for safety, diversification and stability in the medium-long term it would be better not to invest only in BTP or gold but create a scattered wallet between the two because the risk is diversified.
Here is an example:
Giacomo invests all his savings in government bonds or gold. If interest rates grow, treasure vouchers can lose value if you decide to sell them before expiry. In the case of gold, however, if the price drops, one could undergo a loss, at least momentary as this product does not generate interests or coupons because its value is based only on the market price. In the event that, on the other hand, Giacomo Opti for a mixed wallet with gold and BTP these risks could be reduced as if one descends, the other could climb or remain stable and his capital would be protected.
Here is a second example:
Giacomo wants to put 20 thousand euros aside and wants to get a good performance and safety at the same time. It would therefore be poorer investing 10 thousand euros in long -term BTPs and 10 thousand euros in physical or financial gold.
At the light of what has been said, at the moment it would be preferable to invest in BTP if you want a safe income and you do not want to take risks while in gold if you look for protection and a growth perspective with volatility.
However, there would be a third choice to be made or opt for a mix Between the two if you want security and at the same time a future protection.
