The desire to obtain a performance without binding their money for too long pushes many savers to look for Short -term investment products. Among the most popular there is the postal postal fruits which despite not offering very high returns, guarantees a minimum performance of certain. The strength of this product is that it is issued by Poste Italiane, is guaranteed by the Italian State and has no subscription or management costs. So what is the post office in April that lasts less and offers the main rate?
For short investment, which BFP to choose?
Among the best postal fruits good there is the 3 × 4 For those who want a long -term investment. The BFP that lasts less and offers the highest rate is instead the Renew 4 years. This title, as can be seen from the name, lasts 4 years and offers a gross annual performance on expiry 1.50%. It means that from the moment of subscription it is necessary to wait for the end of the four years for the collection of money with interest.
The postal fruit voucher renews, as well as all the others, is issued by Cassa Depositi e Prestiti and placed on the market by Poste Italiane. Can only be registered to natural persons and not to companies or entities and can joint up to a maximum of four people. The dispute of the vouchers, however, is allowed only between adults. It means that it is not possible between two minors or between a minor and an adult.
When postal fruits are expired
The expiry of the postal fructifers indicated above takes place at the end of the fourth year from the subscription. After 10 years from this last date, the prescription Following which it is no longer possible to ask for the return of the amount invested and not even the interests.
Usually on paper vouchers the expiry date is behind the document. If you do not find it, it can be verified by connecting to the official CDP or that of Poste Italiane website. If you want to ask for more information, you can also call the toll -free number 800.00.33.22 or go to the post offices.
If the good in one’s possession is in dematerialized form, nothing will be done. At the deadline, in fact, the refund will take place automatically on the regulation account. The latter may be a banking account or a saving booklet as long as they are registered to the BFP holder.
What are the conditions for subscribing to the renewal
The postal fruit voucher renews 4 years cannot be signed by everyone but only by those who as holders or joints reimburses one or more expired (not prescribed) securities starting from September 15, 2024. Or by those who have brought one or more provisions to expire relating to the SuperSmart offers from 1 October 2024.
On the other hand, it will not be possible to subscribe to a postal voucher renews 4 years if you have titles dedicated to minors or 4 years that are expired simple savings.
If the paper securities issued before 1 January 2009, finally, the subscription of the BFP renewals will only be allowed only to the holder or the joint that is present at the time of the refund.
How the interests are calculated
You can buy BFP renews 4 years starting from a minimum of 50 euros and multiple of this figure up to a maximum in a single working day of 1 million euros.
As for the interestsas mentioned, will be at a fixed rate which is 1.50% gross annual.
They are calculated through the method of composed capitalization: it means that every year the interests add up to the capital and the following year they also calculate on that certain figure.
Once you ask for a refund, or after four years, the capital invested will be returned all the interests earned.
Early subscription and reimbursement
The postal fruit voucher renews 4 years in paper version will be subscribed and refundable only at the post offices within the prescription term. A paper copy of the General Contract Conditions and Regulations will be delivered as well as a synthesis form.
There dematerialized versionon the other hand, is subscribable and refundable:
- on the official Poste Italiane website;
- connecting to the official Posta Italia page;
- through the Poste Italiane or BancoPosta app.
In the event of the latter type of subscription, the synthesis card and the contractual conditions will be available in electronic format.
As for the early refund:
- The paper vouchers are refundable only for the entire amount signed;
- The dematerialized are partially or totally refundable with minimal amounts of 50 euros and multiple of this figure.
In the case of BFP cointestati:
- For paper, the reimbursement will require the joint agreement of all the joints or the action of one only on the basis of the method indicated on the title at the time of the subscription;
- For dematerialized, however, the refund can be requested on the basis of the provisions of the regulation account.
If the holder at the time of the reimbursement is a minor, an authorization of the tutelary judge will serve as required by article number 320, paragraph 4 of the civil code. If this authorization is not submitted, the reimbursement will not be carried out.
The taxation of postal fruits vouchers
The interests of all postal fruits are taxed. The state, in fact, retains a part of the earnings in the form of a substitute tax, equal to 12.50%. If you reside abroad, however, this tax will not be paid.
Postal vouchers are not subject to succession tax So if the owner die, the heirs will not have to pay any tax on that title.
However, there will be to support theBollo tax of 0.2% which will apply to the value of the vouchers. In order not to pay it, the total value (i.e. that of all securities in its possession) must not exceed 5,000 euros.
Some examples of performance
The postal fruit voucher renews 4 years is the one that lasts less. However, it offers minor interests compared to other titles. The Effective annual yield At the end of the 4 years it is in fact of the1.32%.
Here is an example:
Suppose to subscribe to a BFP renews 4 years of 2,000 euros on April 18, 2025. At the end of the 4 years, the net reimbursement value at the deadline as can be seen from the post -Italian post office calculator will be 2,107.39 euros. This value corresponds to the sum of the inserted amount and the interests provided for net of the withholding tax on interest. However, the calculation is not considered the stamp duty that is calculated according to current legislation.
Here is another example:
Suppose to buy the same title on 18 April 2025 of 7,000 euros. The net reimbursement value at the end of the four years will be 7,375.85 euros, the expiry date on April 18, 2029 while the prescription on April 19, 2039.
