More and more often, those who have a capital on the current account are asked if it is convenient to invest it in real estate or in Btp. The reason is that the money parked on the account does not generate great interests and then because inflation continues to erode, albeit slowly, the purchasing power. To protect their savings, making them grow over time, many are therefore oriented on these two options because the properties can be rented or reselling while the vouchers of the polienn treasure are guaranteed by the Italian state.
Why invest in properties
It is not easy to decide whether to invest your savings in brick or BTPs as the choice depends on the time horizon, the goal and what type of savers you are.
Investing in gold and properties has always been considered a safe refuge because both are real and tangible assets. In addition, they are historically resistant to inflation and economic instability.
Buy a house to rent it It is a strategic choice as a monthly income can be obtained and keep a real good over time. The problem of investment in brick is that management and maintenance costs are increasingly high as well as the prices of houses in certain cities.
In addition, there are mortgages to be considered. Those at a fixed rate, at the moment, are still competitive even if there has been a slight growth compared to June, according to the latest surveys of Facile.it.
It must then be considered that the property is not a liquid investment for which it is not always possible to sell quickly.
Invest in btp
The vouchers of the polienn treasure are, as mentioned, of safe investments because they are issued by the Italian state to finance public debt. They work in this way: when you buy BTPs, you lend money to the state which is then returned with fixed periodic interests that are called coupons. The capital invested, on the other hand, is redeemed upon expiry. For the returns, they are still discreet as for those at 10 years, for example, the interest rate is around 3.5%.
In addition to the state guarantee, another advantage of investing in BTP is that you can enjoy a subsidized taxation at 12.5% against 26% of other financial products. These titles, then, can be resold when you want even if before the deadline the value can be lower than that of the purchase.
Better to invest in properties or btp?
At the moment, it is better to invest in brick if you have time, the desire to manage a house and you want a certain monthly income. It is better even if you think you can buy, renovate and resell the property at a higher price. Obviously, before carrying out the latter operation, it is important to know the real estate market well.
The main ones advantages, In any case, they are:
- the possibility of having a real and durable good;
- the possibility of receiving a monthly rent;
- The possibility of being able to resell the property over time at a higher price.
The Disadvantages, Instead:
- the possibility that tenants will not pay;
- high management costs.
It would be better to opt a Investment in BTPon the other hand, if you don’t want thoughts, you want to have a fixed performance and you don’t want to take risks.
The main ones advantages of these products are:
- subsidized taxation;
- the possibility of reselling the BTPs when you want;
- the fixed and safe yield.
The disadvantages Instead they are as follows:
- There is no revaluation of capital;
- The inflation that can erode the purchasing power.
Choose whether to invest in one or the other therefore depends on various factors. In any case, the investment in BTP is ideal for those who want to protect their savings over time while the one in properties for those with a higher capital and more time available.
