This is what happens if you invest 5 thousand euros with a 3×2 coupon

Let’s analyze together what the advantages of a long-term fixed investment in postal savings bonds can be in 2023, and of course let’s dwell on all their characteristics, with strengths and weaknesses.

postal bonds undoubtedly remain, A milestone in the investment of Italian families: Over the years, even in the most difficult times, they have never lost their attractiveness. Little but good from the series, a concept that always wins.

Their strength consists first and foremost Its easy to understand mechanisms And then, what can you do about it, Italians, at least of a certain generation, keep getting A very quiet affair with Poste Italiane, They managed to get it with more than average banks.

Just try to think How many Italian pensioners have their own postal savings book, Mail the evolution of your payment. Perhaps this is due to the direct relationship with the employees, because the post office, historically, has always been the place where the needs of the working class are concentrated, Mother, teacher, worker, young student.

simplicity of administration, There are no costs involved in the initial purchase And Ease of recovering the invested funds. The latter certainly represents the most important aspect, where at any time and for any need, You will be able to recover the invested amount without losing anything. Of course, if too little time has passed, the gain becomes insignificant because interest is not accrued.

100% principal payment is always a guarantee, No doubt there are tax burdens and the recent hike in interest rates. All of this can generate a net worth slightly less than the amount deposited. Also for this reason, unless there is an urgent family or health need, it is never recommended to redeem the voucher after a short time.

Postal savings bonds: in 2023 an option still loved by Italians

The increase in interest rates It is, of course, a disadvantage associated with the delicate economic emergency. In 2022, on the wavelength of the ECB’s dictates, they changed twice, first in July, and then at the end of October. They are not very high rates anyway with. Long-term interest-bearing bonds are less affected by the negative consequences of these increases.

There are 10 different solutions to choose from Regarding postal savings bonds. However, there are those that have certain characteristics and conditions that are worth mentioning.

• Renewal: It can only be subscribed to after the expiry of a previous title
• Inheritance solution: intended for beneficiaries of inheritance procedures concluded with Poste Italiane.
• Simple savings for 4 years, to be used by activating a specific plan.

Now let’s understand together what the advantages would be if a pensioner, perhaps returning from a good severance pay, decides to invest in good postal savings, Under the current situation.

Evidently all experts would advise us, given the uncertainty of the moment, not to leave money in an account but to invest, as in this case, in Postal Savings Bonds. Let’s see what can come in handy Deposit a small amount and enter a six-year maturity, Same happens with a 3 x 2 coupon.

We have a 2% interest rate, imagine depositing €5,000 today and not touching it for the next 6 years. For a voucher with a face value of 5 thousand euros, In 6 years we will have a gross of 5,630 and a net of 5,551 euros. guarantee? No economic crisis will put invested capital at risk. After six years, there will be a net profit of 551 euros.