Where to invest 5,000 euros without risk: the safest products

Having 5,000 euros aside is a good starting point if you want start investing. Leaving this money on the current account, in fact, is not a good idea if the interest rates that are proposed are almost always very low. In addition, there is inflation that does not mention to retreat, so the purchasing power of that money decreases year after year.

Precisely for this reason, more and more people evaluate safe solutions to make their capital fruit such as postal fruits, deposit accounts and savings booklets and vouchers of the polienty treasure. These products offer more advantageous rates than current accounts. So where to invest 5,000 euros then?

Which products to choose for low risk investments

If you have a small capital and look for anlow risk option To invest your money they could be considered:

postal fruits good;
deposit accounts;
Supersmart offers on savings booklet;
I BTP Italia.

These products are in fact a good compromise between performance and safety. In addition, they protect capital as they make it more than one current account. In addition, they are without high risks and suitable for those who do not want to face the volatility of the markets.

If your goal is to preserve your money and get a higher performance than that of a current account, these solutions are therefore very convenient.

Investing 5,000 euros in postal fruiting vouchers

If you want invest 5,000 euros In low risk products, the option of the Postal fruits vouchers. These products are in fact guaranteed by the Italian State and have zero costs for signing and reimbursement, except tax charges. They also benefit from a subsidized taxation of 12.50% on the interest accrued and are exempt from the succession tax.

At the moment you can choose between:

The 4 -year -old voucher Plus;
The voucher renews 4 years;
the good indexed to Italian inflation;
the 3 × 4 voucher;
the ordinary voucher;
The good future solution.

Then there are the dedicated postal fruits, however, to minors who are the ones that offer the highest interest rate that reaches 5%.

Here is an example of performance:

Wanting to buy short and medium -term BFPs of 5,000 euros today, from the Poste Italiane calculator it is clear that the net reimbursement value at expiry will be 5,360.64 for the good inheritance solution and 5,222.89 euros for the 4 -year Plus voucher.

The gross reimbursement value at expiry will instead be 5,268.47 for the postal postal fruits that lasts less is that the Renew 4 years.

Here is another example of performance:

If the duration is to the medium-long term, the net reimbursement value at expiry will be 6,862.70 euros in the case of the 3 × 4 voucher and 8,525.80 euros in the case of ordinary vouchers.

Poste announces that the net reimbursement value reported with these simulations includes the amount invested and the interest accrued net of the withholding tax on interest. Any stamp duty is not included in the calculation as it will be applied according to current legislation.

The storage accounts

Those who have 5,000 euros aside could also invest this money in the storage accounts Because sure. They are in fact protected from FIFT which is the interbank deposits interbank fund that covers up to 100,000 euros per holder and bank in the event of bankruptcy.

Although the interest rates of these products have fallen compared to last year, they still offer gross returns between 3 4%. Certainly with the interests that will be perceived it will not become rich but at least you will earn something as keeping the money stopped on the current account does not fruit almost nothing.

Among the best storage accounts of the moment there are certainly that of Banca Ing that offers a gross interest rate of 4% for twelve months.

Here is an example:

By investing 5,000 euros, from the bank’s calculator, it is clear that their savings will become 5,200 euros gross of the withholding tax. These data, explains Ing, are indicative and do not represent a commercial offer of the bank.

The Illimity deposit account in the non -releaseable type offers the following gross interest rates:

1.30% after 6 months;
3.50% after 12-18-24 months;
3.40% after 36-48 and 60 months.

Here is an example:

Wanting to invest 5,000 euros in this account, from the calculator made available by the bank it is clear that after 60 months there will be 5,629 euros of which 629 euros of net interest. Illimity then explains that this net performance is indicative of the gain for the entire period considered but can undergo a variation at the expiry of the bond itself on the basis of any changes in the taxation in force. In addition, the stamp duty is not present in the calculation.

SUPERSMART OFFERS ON SAVING BOOK

If you are looking for safe, flexible ways and without surprises for make 5,000 eurosthe Supersmart offers could also be taken into consideration on the savings booklet which today are called Supersmart deposits. These offers, however, are reserved only for those who have a smart booklet and give the opportunity to obtain better earnings than those offered by the booklet.

Here is an example:

Setting 5,000 euros in the Supersmart offers, you will get 74.20 euros of net interest by opting for the Supersmart Premium deposit which lasts 366 days and offers a 2%rate. Instead, 95.79 euros of net interests will earn if you choose the Supersmart deposit renews which lasts 540 days and offers a rate of 1.75%.

Just as for the good and deposit accounts, the interests are determined by applying the withholding tax in force and are gross of the stamp duty.

BTP Italia

In the event that you have a small capital, you can also evaluate the investment in the next BTP Italia. It is a government linked to inflation which works with half -yearly coupons with fixed rate interests that calculate on the capital re -evaluated based on the inflation of the semester.

With this title, then, protection is also obtained in the event of inflation equal to zero. It means that if it is negative, the coupons will be paid on the initial capital for which there will be no loss and in addition the adaptation to the inflation will be liquidated every 6 months and not only upon expiry. The purchase for private individuals is starting from May 27 for a minimum of 1,000 euros.

Its main characteristics are: