A profitable investment for the future of our children: everything you need to know about postal savings bonds for minors.
It may seem counterintuitive to invest and save in times of economic crisis and in times when it is absolutely necessary to tighten the purse strings a little. Instead, precisely in a period of difficulty and doubts about the future, it is good to think about the future. Especially to the future of our children: for this reason it can be very useful to invest in Postal Bonds. You don’t need a fortune, but even 1,000 euros can be enough. Everything you need to know.
Postal bonds: an investment for our kids – (thewisemagazine.it)
So let’s talk about Postal savings bond for a minor which, even in the face of a small outlay, can be a tool to guarantee a certain economic stability for our children or grandchildren. It is a profitable investment for the future of our children, also in light of the fact that finding work is increasingly difficult and, therefore, even having a pension in the future could be a utopia for many.
In short, investments, compatibly with one’s situation, must be made above all in periods of greater uncertainty. Ideal to activate on the occasion of a birthday or a baptism, for example. Basically, the Italian Post Office has thought of an instrument that allows for the accumulation of important capital for a child. Here’s how to orient yourself on an important choice.
The Postal Savings Bond for our boys
Let’s start by saying that the return on the postal savings bond for minors depends on the duration of the investment and the interest rate that is applied. It can be invested a minimum sum of 50 euros, up to a maximum amount of 50,000 euros for each minor. The expiry date coincides with the completion of the 18th year of age of the minor and, therefore, with the attainment of majority age.
Postal savings bonds for minors: everything you need to know – (thewisemagazine.it)
Usually it starts with 2.5% for the first year and then reaches 4.5% in the 18th year. It is a very important tool, also because it can enjoy a preferential taxation of 12.50% on annuities and you do not have to pay inheritance tax. In general, they can be had total returns even close to 60% after tax.
Particularly interesting is the proportion if we invest the sum of 1,000 euros, which we have taken as our guiding star, at the birth of the child. In eighteen years, the 1,000 euros will more than double, turning into 2,043 euros. A figure which, moreover, can grow further (hence the approach even to 60% if the money is paid regularly, for example at every birthday).
2023-08-27 21:30:21
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