The summer holidays have ended almost for everyone and for this reason you are already reflecting on how to better manage your money. The latter, in fact, if left parked on the current account does not generate any revenue. Because of the inflation that does not mention them, then, he risks losing value so that with the same amount of money after some time you can buy less things and services.
Many therefore choose postal fruits as they have always been considered simple products to use and safe because they are guaranteed by the Italian state. So here are the fabulous September 5 with interest rates that reach up to 5%.
What are the fabulous 5 BFPs?
It has been since 1925, the date of their birth, that postal vouchers are among the favorite savings and investment products from the Italians. In addition to the guarantee by the Italian state, they like them a lot because they have no subscription or management costs and then because they are flexible. It means that it is possible to request a refund when you want to recover at least the paid capital.
They are ideal products for those who want a saving solution “Calm”, He does not want to risk too much and prefers to put money with the certainty of finding it.
Among the best postal fruits of September are those:
- dedicated to minors;
- the 3 × 4;
- ordinary;
- i renews 4 years;
- The 4 years Plus.
Vouchers dedicated to minors
The postal fructifers dedicated to minors are those who continue to offer the greater gross annual interest rate that reaches 5% when the minor turns 17 and 18. They work in this way: they recognize a growing fixed return starting from the date of subscription and until the age of eighteen of the attacker. The interest rates of these products are as follows:
- 2% after 1 year and 6 months, 2-3-4 years;
- 2.25% after 5-6 years;
- 2.50% after 7-8-9-10-11-13-14 years;
- 3% after 15-16 years;
- 5% after 17-18 years.
These rates refer to the period of possession. It means that if you buy a title for a minor of 12 years, at the deadline or when it turns 18, it will have a gross annual yield equal to 2.25% as the period of possession of the voucher will correspond to 6 years.
Here is an example of performance:
Suppose we want to buy a voucher of 4,000 euros after a week from the birth of the minor, exactly on August 21, 2025. From the calculator made available by Poste Italiane, it is clear that after 18 years, exactly on August 20, 2043, the net reimbursement value will be 8,854.95 euros. This figure is net of the withholding tax and gross of the stamp duty.
The 3 × 4
The 3 × 4 postal vouchers last twelve years and offer the following gross annual yields:
- 1% at the end of the third year;
- 1.50% at the end of the sixth year;
- 2.25% at the end of the ninth year;
- 3% at the end of the twelfth year.
At every moment of life of the voucher, then, it is possible to ask for total or partial reimbursement. Before the three years, however, we are only entitled to the recognition of the capital invested while after this time span also to the interest in the meantime accrued.
This type of title can be purchased for amounts equal to 50 euros and multiple at post offices or from the web and app. In the last two cases it is necessary to be the owners of a smart saving booklet or a Bancoposta account authorized to online services.
Here is an example of performance:
Suppose we want to invest 4,000 euros in ordinary vouchers. After 12 years, according to the post -Italian poster calculator, the net reimbursement value at the expiry will be 5,490.16 euros but in the calculation it is not considered the stamp duty.
The ordinary
Ordinary postal fruits good vouchers close the top 3 of the best of September 2025 as they offer a gross annual performance which at the end of the 20 years reaches 2.5%. Those of short duration, however, do not offer more than 1.5% but the years of constraint are many less.
As for the refund, it can be requested when you want as long as, in the case of the paper coupons, it takes place within the prescription term. The latter occurs ten years after the expiry of the securities and when applying the right to obtain both the invested capital and the interests of the meantime accrued.
Finally, these titles can also be purchased at a post office or from the web or apps if you are the owners of a smart booklet or a Bancoposta account enabled to online devices services.
Here is an example of performance:
Wanting to invest 4,000 euros in ordinary vouchers, after 20 years as can be seen from the calculator made available by Poste Italiane, the net reimbursement value at expiry will be 6,235.17 euros. In this calculation, however, it is not considered the stamp duty that is calculated according to current legislation.
I renews 4 years
Among the best short -term postal fruits good, there are the renews 4 years which as can be seen from the name last 4 years. It is possible to sign them if from 15 September 2024 a better one has reimbursed (except those for minors and 4 years savings) or if one or more Supersmart offers have been brought to the expiry.
As well as the other vouchers, then, the renews 4 years can also be purchased at a post office, bringing the identity card and the tax code or from the web and app with them. In the latter case it is necessary to be the owners of a smart booklet or a Bancoposta account authorized to the online devices services.
As for the gross annual yield, it is 1.5% after four years. If you ask for a refund before this period, only the capital invested with any tax charges is obtained.
Here is an example of performance:
Suppose we want to invest 4,000 euros in the vouchers renews 4 years. At the end of the fourth year, as can be seen from the calculator made available by Poste Italiane, the net upright at the expiry is 4214.77 euros. This figure, however, does not include stamp duty.
Good 4 years Plus
Among the fabulous 5 postal fruits of September there are also the 4 years Plus that last 4 years and give the possibility to request both total and partial reimbursement of the capital invested at any time as long as they are within the prescription term. The gross annual actual yield at the end of the four years is 1.25% for which if the refund is requested before, only you are entitled to the recognition of the invested capital and not of interest.
Here is an example of performance:
Giacomo decides to invest 4,000 euros in the good 4 years Plus. In 4 years, as can be seen from the calculator made available by Poste Italiane, he will get 4,178.31 euros. In the calculation, however, the stamp duty that must be calculated on the basis of current legislation is not considered.
