Unfortunately, not everyone can boast thousands of euros in the bank’s current account. Beyond a certain threshold, however, we run “risks”.
Until recently, have money in the checking account it meant “boasting” a situation of well-being. Although notoriously money does not buy happiness. Today, however, it returns to the surface the eternal dilemma: is it better to save by filling up the account or not? Here you are what the experts suggest.
Who is lucky enough to take a beautiful salary can sleep soundly, and even better leave some money in the checking account. In a few months it is not uncommon to find yourself with a nice nest egg, consisting of a few thousand Euros. If years ago having a “covered” account was a satisfaction, does it still work like this today? Not really. We see what economists speculateand what they are the best choices for those who find themselves with a nice positive balance.
5 thousand euros or more on the account? Not just taxes, here are the “real risks”
Let’s talk about Bank account but obviously also of postal account. We know well that accumulate money it can give enormous satisfaction and above all a great one sense of security. But unfortunately, reality does not always reflect our expectations. Today, having a lot of money deposited can have “unwanted effects”.
Perhaps not everyone knows, for example, that an average annual stock entails the duty of pay a tax. In fact, upon exceeding the threshold of 5 thousand euros, we have to pay the stamp duty, which currently is approximately 35 Euros per year. However, remember the difference between the average stock and the balance on the account.
Per average stockas can also be seen from the official website of the Revenue Agencymeans “the average amount of the customer’s credit amounts in a given period compared to one year. The calculation of the annual average stock is determined by dividing the sum of the daily stocks by 365, regardless of the number of days in which the deposit-account is active“.
On the other hand, what is the safest place to store money? Certainly not the “classic mattress”. The problem lies mostly in the fluctuations in the value of moneyinfluenced by inflation, the local economy, government interventions and many other factors.
In summary, keeping money in the account for too long actually devalues it. If today I have 10 thousand euros and with that money I can pay for a trip to the most beautiful places in the world, in a few years it will no longer be like this. Therefore, the same money over time varies their “power”.
According to the expertsthose lucky enough to be able to scrape up some money a month should think of one form of investment. Le yieldeven if minimal, they should be able offset the costs of inflation. In this way, we make happy “goat and cabbage”. Why don’t we forget that have ample economic availability leads (although not always) to the waste. With a commitment, we could avoid throwing money away on trivial things and at the same time guaranteeing its purchasing power to remain intact.
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