Poste Italiane has introduced a new interest-bearing bond that allows you to acquire higher interest rates than the previous one
I postal savings bonds they are a very popular savings bank for Italians who have sums aside to invest without wanting to enter risk of the stock market. In fact, interest-bearing bonds allow fixed interest rates for a long time already established at the time of acquisition and therefore the signing of the contract. Especially since postal vouchers have the State guarantee.
So over the years this product has made a comeback in eye for those who are not in a hurry to get their money back immediately. Since then i interest rates on checking accounts they went into negative, keeping a large amount of liquidity on a bank deposit is no longer convenient. So many opt forinvestment through postal savings bonds.
Postal savings bonds, what are the 5 × 5 interest rates?
Until now the standard good in circulation was the 4×4that is, a duration of increasing interest rates for 16 years. Now Poste Italiane has introduced the interest-bearing voucher 5×5which brings investment growth up to 25 years old. Obviously the owner can redeem the voucher at any time, but the profit in this case would be less.
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In detail, the brackets for the recovery are distributed as follows:
- after 5 years it obtains a gross annual rate of 0.1%;
- after 10 years it has 0.2%
- after 15 years, 0.4%;
- after 20 years 0.75%;
- after 25 years, 1.5%.
The final 1.5% may not seem like a big figure, but considering theinflation current is not bad at all. In addition, apart from a percentage of taxation on earnings, acquiring a postal interest-bearing voucher has no costs, and is guaranteed in an armored manner. The 5×5 you can acquire it in post Office or even through the services online of Poste Italiane.
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