7 opportunities for fixed income-proiezionidiborsa.it
For the small investor, it becomes crucial to defend, at least partially, the purchasing power of excess liquidity. At stake, in fact, is the integrity of the savings put at risk by the harmful work of inflation.
New year, old problem: where to move the excess liquidity with respect to ordinary needs to make it more profitable? With inflation skyrocketing even in 2023, it becomes almost a luxury for the rich to remain liquid.
Let’s see some short-medium term solutions that provide for the return of capital at maturity and a fixed and/or constant return. So here are 7 opportunities on fixed income to move money from the postal passbook or from the classic current account.
Solutions for investing in postal savings
In the context of postal savingsamong the various solutions we point out two for all.
In the very short term, theSupersmart offer 180 days allows to to gain a gross annual interest at maturity of 1.50%. There is only the constraint of the sums for the time of the deposit, it being understood that it can be deactivated in advance.
For those looking at the medium termhowever, here is the 4 year savings voucher. The subscription is linked to the activation of a Savings Plan simple savings. The issuer provides for two different rates at the end of the 4 years. The standard annual gross yield at maturity is 1.50%, which rises to 2.50% (reward rate) upon reaching a minimum of 24 periodic subscriptions to the Plan.
Postal savings book-proiezionidiborsa.it
The golden age of the free and restricted deposit account
Attractive yields you can get them too on the deposit account, both free and restricted. The argument also applies with reference to the short term, and therefore without the need to remain in the operation for a long time.
Furthermore, it must be said that the competition between operators in the sector is quite fierce, with formulas and yields suitable for all needs. In general a good solution could be to join some special promotion of duration between 18 and 48 months. Maybe by tying up the capital (especially if the formula allows for any early release) to obtain a richer return.
We may tie up capital-proiezionidiborsa.it
7 opportunities on fixed income to move money from the postal passbook or from the current account
In alternative you can think of government bonds, to be chosen on the basis of the coupon, the residual duration, the yields, etc. We will proceed according to the remaining duration.
For those with a short-term horizon, here is the BOT ISIN IT0005512030 (expires October 13, about another 10 months). At the current price of 97.85, the gross yield to maturity is 2.197%.
By extending the duration to summer 2025 (June 1), for example, here is the BTP ISIN IT0005090318. The gross coupon is 1.50%1.31% net, while the net annual return fluctuates at 2.72% (total return around 6.5%). The bond, in fact, currently trades at 96.40 cents.
The investment certificate
In the end there the guaranteed capital certificate solution(not really, therefore, a fixed income instrument like the previous ones). Issues vary by maturity, underlying, type of protection, etc.
The latter, in particular, affects the final gainin the sense that it increases as the level of protection offered decreases. Nothing new under the sun: the risk on the capital rises (for example 95% protection) and the possible gain rises. The important thing is to choose with knowledge of the facts, weighing all the pros and cons of the chosen solution.
