Nowadays safe investments are of fundamental importance. The economy is in fact unstable, inflation shows no sign of retreating and the costs of the products that are used daily continue to grow. Those who have a sum aside, therefore, wonders where they agree to put their savings. Here are what are the Safe investments of 2025 Between storage accounts, postal fruits, government bonds, insurance policy, postal offers and brick.
Should you invest in government bonds?
Among the Safe and simpler investments of 2025 There are definitely the Italian government bonds which are loans that citizens make to the state. The mechanism is as follows: when you buy these products, you give money to the state that in return promises to return them after a certain period and with a small interest. The main Italian titles are:
- The bots who are the ordinary vouchers of the short -term treasure with a maximum expiry of one year. They do not foresee interest and the gain derives from the difference between the purchase price and the value reimbursed to the deadline. The purchase takes place through auctions reserved for authorized operators in which offers are made on the basis of performance and not at the price;
- The CTZs that last maximum two years and for which interests are not paid. In fact, it is gained from the difference between the purchase price and the reimbursement value on the deadline. How the bots are purchased through auctions reserved for authorized operators;
- The BTPs who are vouchers of the polienn treasure that have lasted up to ten for some years and who pay interest every six months. As well as other products indicated, in most cases, we buy in auctions reserved for authorized operators.
At the moment the bots and BTPs have downhill returns for which one wonders if it is still convenient to choose these tools. Well, if you want a safe investment without risking the fluctuation of the market then these products remain a good choice. In addition, if the European Central Bank still cuts rates, it may agree to block the yields on long -term BTPs now.
Deposit accounts to put their savings
Certainly also i storage accounts They are among the safe investments of 2025 even if the returns are falling compared to last year. On average, the return in January 2024 was 5% while now it reaches about 4%. It is expected, however, that in the next time there is a new cutting of returns in line with European monetary policies.
Despite everything, investment tools can still be considered capable of defending your money partially from inflation. In addition, they are convenient because you don’t pay anything for their subscription and then they are safe because they are guaranteed by FiaT up to 100 thousand euros per depositing and bank.
There are two types of storage accounts:
- not bound that allows you to withdraw the money when you want but that offers a lower interest rate;
- bound with which the money is blocked for a established period. However, returns are higher.
Postal fruits vouchers
If they are looking for safe investments in 2025 without taking risks even postal vouchers are an option to be taken into consideration but returns are lower than other types of investment.
There are various types of BFPs so, before choosing one, it is necessary to understand which is the most suitable for your needs. Some, in fact, are short -term while others like the ordinary last up to twenty years but make more. They are considered very safe products because they are guaranteed by the Italian state.
SUPERSMART offers on Postal Booklet
The Supersmart offers on postal booklet are also a safe option to invest money in 2025. Like postal fruits, in fact, they are guaranteed by the Italian state.
To activate these offers, which today are called Supersmart depositsyou need to have a smart booklet. The gross annual interest rates reach up to 2.25% and certainly agree with respect to the basic rate of the booklet which is 0.001%. As well as the storage accounts, however, to obtain this return it is necessary to keep your money bound for a certain period.
Life policies: are they a good investment in 2025?
Who is looking for Safe investments in 2025 it can also opt for the life policy which guarantee the return of the capital paid with the interest accrued. When, in fact, the insurance expires not only returns the figure paid but also the gains that have matured in the meantime.
Among the advantages of this investment are the protection of the invested capital And the interest guaranteed and consolidated while among the disadvantages the costs that are often high and the rigid rules that make the early retirement of money without criminal payments complicated. These products are a safe choice but it is necessary to evaluate the costs and conditions to avoid bad surprises.
Gold investment
To protect your savings in times of crisis and with inflation that shows no sign of retreating it is also possible to opt for a Gold investment. It is a stable raw material and less influenced by economic cycles and then works well to protect and diversify investments. There are two ways to invest in gold:
- Coins and ingots can be purchased and in this case you invest directly on the gold price;
- It can be investing in ETFs linked to gold by evaluating, however, the risk associated with market volatility.
In any case, gold has always been considered a safe investment because it was considered a Well of refuge. The reason is that when the market goes badly, it maintains its value. He also protects his portfolio because he does not follow the trend of bonds and actions. In addition, VAT is not paid.
Real estate investments are also sure
Among the Safe investments of 2025 there is also the brick. Investing in properties in fact produces several advantages:
- possessing a property in fact gives the opportunity to earn from rents and this creates constant income;
- Buying a property can also be safer than other investments such as shares as the returns of the latter can change quickly.
