Transfer the money immediately from the libretto-proiezionidiborsa.it
On fixed income it is possible to achieve a reasonable return in the short term. Often these are only nominal earnings, since they do not in fact cover the cost of living. However, compared to the inertia of remaining liquid, they still represent an opportunity to be seized on the fly. Let’s look at some potential solutions.
Always in the short term they make it other two considerations. The first is that returns generally increase as the duration of the investment increases, therefore it is illusory to expect returns beyond certain thresholds. Furthermore can turn out relatively more predictable (concept to be taken with a grain of salt) compared to middle and long term.
Now, in exactly 6 months it will be August 15th, the key date of the summer. To get there with a decent budget available, you could also take advantage of the savings available. Therefore move the money immediately from your passbook or current account and treat yourself to a holiday next summer.
The yields offered by government bonds
Government bonds offer potentially many more alternatives feasible, each with its own degree of risk.
If it’s very low, here’s the BOT (ISIN IT0005505075) maturing on 14 August 2023. The title is priced at 98.605 cents, so the gross yield expiring is1.414%. With 42,000 capital you get around 500 euros net (including commissions).
For whoInstead, has a high appetite for risk here is the BTP with ISIN IT0003256820. The bond matures in February 2033 and detaches the coupon every 1st of February and August of each year, until maturity. The coupon gross is 5.75%, equal to 2.875% gross half-yearly (2.515% net).
However, the security is priced at 113.50 cents, ie above the issue value of 100. In this case the big bet is to sell it in the summer at least at the purchase price, in order not to suffer a capital loss. This is why the operation is by no means suitable for everyone, but only for those more familiar with the financial markets. If these conditions were met, i.e. buying and selling at par, a capital of 21 thousand euros would be enough to obtain 500 euros net.
The deposit account
A other path interesting passes for the deposit account (CD), and there is no shortage of solutions on the market between free and restricted CDs.
Let’s take one as an example for everyone. Banca Mediolanum offers to new customers on the 4thGross annual % on amounts tied up for 6 months. The promo expires in February and requires the subscription of SelfyConto or Mediolanum Account and salary credit and opening of the bond by April. With these conditions A capital of around 36,500 euros would be enough to obtain 500 euros net expiring.
By changing the intermediary, the conditions change, but there is no shortage of opportunities to earn.
Move the money from your passbook or current account immediately and treat yourself to a holiday for the next summer to come
In terms of postal savings, finally, we mention the 2 Supersmart offers. The offer the more delicious it is Premiumwith gross annual interest rate at maturity of 3.00%. It is however reserved for those who contribute new liquidity on the Smart booklet And the accrual lasts 270 days (9 months).
Instead the offer Supersmart 180 days does not provide for the contribution of new money on the instrument and the gross annual rate expiring is1.50%.
Let’s see how much it takes to obtain 500 euros net. With the Premium offer it serves a provision of around 30,500 euros, which rises to 91,500 euros with the 180-day offer (net interest: 500.87 euros).
