It is possible to make money without risk thanks to postal savings bonds. So let’s go into the details and see which are the ones with the highest returns.
More and more people decide to put their money aside, in order to have a sum of money available in case of need. At the same time leave their own savings account does not always turn out to be the right choice and for this reason it is good to know that it is possible to make your money bear fruit by investing, for example, in postal savings bonds.
The latter, in fact, turn out to be one of the most used tools by Italians, as they allow save money and at the same time investing in safety. But what are the interest-bearing bonds able to guarantee the highest yield? Let’s go into the details and see what it is.
Interest-bearing bonds, which are those with the highest yield: all you need to know
As already mentioned, i postal savings bonds they are one of the most loved and used tools by Italians. In fact, they allow you to save your money in the name of maximum security, avoiding having to deal with management costs. Furthermore, they are not subject to market fluctuations and for this reason, when the refund is requested, the capital paid plus accrued interest. But which are the ones with the highest yield?
Well, among the best of September 2021, able to guarantee the highest yield, in the long term, there is the interest-bearing coupon 4×4. Guaranteed by the Italian State, it is possible to request a refund, always at 100%, at any time during its 16 years of life. It is possible to subscribe for it starting from 50 euros and related multiples and it includes one subsidized taxation at 12.50%, in addition to stamp duty.
Going into the details it is necessary to know that it provides for an actual gross annual return equal to:
- 0.20%, or 0.175% net, at the end of the fourth year;
- 0.30%, or 0.262% net, at the end of the eighth year;
- 0.40%, or 0.35% net, at the end of the twelfth year;
- 0.75%, or 0.656% net, at the end of the sixteenth year.
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Another good that can guarantee excellent performance is the 3 × 4 that lasts up to 12 years. Also in this case it is possible to request a refund at any time. Interest can be obtained after three, six and nine years, with an effective gross annual return equal to:
- 0.10% at the end of the third year;
- 0.20% at the end of the sixth year;
- 0.30% at the end of the ninth year;
- 0.50% at the end of the twelfth year.
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