More and more Italians are choosing to buy and invest in postal bonds, by virtue of the security they are able to offer citizens on capital.
With an economic recession getting closer, the trend for Italian consumers has definitely changed.
The health emergency we have experienced, the war in Ukraine which broke out immediately afterwards, and the sudden increase in energy and raw material prices have outlined a future scenario that is certainly not encouraging. A very critical situation, which naturally also affected the financial market. And it is precisely for these that in recent years, the purchase of postal savings bonds by Italian saversi has become more and more frequent.
But what exactly are Postal Savings Bonds? This is a special category of securities issued directly by Cassa Depositi e Prestiti. Securities that in the first place possess, for their repayment, one of the safest guarantees on the financial market, that of the state. Postal vouchers are managed by Poste Italiane and can be purchased both in paper and dematerialized format. In the first case, they are subscribed in a BancoPosta account or savings account. Furthermore, compared to many other investment stocks, their purchase and use is relatively simpleand within the reach of most Italian citizens.
Postal bonds, because they can also become an interesting form of investment
It would be wrong to understand these vouchers, come a real type of investment. Their purpose is in fact first of all to allow taxpayers to be able to set aside their savings in a safe way. But it is also true that under certain conditions, they can also represent a very interesting form of investment. Especially for those who are willing to invest a significant portion of their capital for a very long period of time.
The maximum duration of a postal savings bond is 30 years.
Another very important feature of them is that the paid-up capital can be requested back at any time, even if in these cases you will not always be entitled to collect the accrued interest as well. The investment to start setting aside savings with these securities, it can be very small.
The minimum amount to invest for their purchase is 50 euros
The minimum amount to purchase a postal voucher it is in fact 50 euros. Starting from this sum, they can be purchased at any price, provided that they are always multiples of 50. They do not include management and subscription costs. On the other hand, as regards the ancillary costs that must be incurred over time, the paid-in capital will be taxed at 12.50 per cent, while the stamp duty to be paid will be 0.2 per cent. However, the latter expense should only be incurred if the taxpayer has purchased a postal voucher value equal to or greater than 5 thousand euros.
We have so far clarified how these securities perhaps represent the best savings that can be chosen on the financial market. And also that under certain conditions, for those who invest in the long term, it is also possible to accrue returns of a certain size, if one is willing to invest a significant portion of its capital.
Postal bonds, which one to invest in to get interesting returns in a few years?
But you can also settle for minimal but safe returns, and therefore invest a considerable amountby collecting the accrued interest. To make this calculation, and understand how convenient this operation can really be, we decided to use the simulator made available by Poste Italiane on the institutional website.
For example, how convenient it can be invest 20 thousand euros for a short-term voucher? Let’s see what results it returned.
Among the proposed solutions, you can buy a Buono 3×2. Its maximum duration is six years, and interest is recognized every three years, upon expiry of the first three-year subscription period. The net redemption value at maturity will be 22 thousand euros.
The Renew voucher is the best solution for looking for a small income
Those who really want to try to make a small investment, can opt for the purchase of a Renewal Voucher. This is the security that currently guarantees the highest return in relation to the amount invested. Its maximum duration is equal to six years, and also in this case the interest they are recognized to the investor every three years, starting from the first three-year period of subscription. Its net redemption value at maturity will be 23,702 euros. And this means that in six years of investment, there is the possibility of earning about 3,000 euros more than the amount invested. A yield that becomes even more interesting, by virtue of the absolute certainty of not risking anything on the invested capital.
Another interesting possibility of investment and savings is offered by Voucher BFP 4 years Simple Savings. It is one of the more particular titles, as the total investment lasts a maximum of four years, but its subscriptions they are periodic and take place automatically. However, unlike other postal bonds, the net repayment of the bonus, including accrued interest, can only be cashed when there are a minimum of 24 periodic subscriptions. Its net redemption value at maturity will be 21,816 euros.
