Postal savings bonds, new launch by Poste Italiane. This has incredible yields

Postal savings bonds are once again competitive. After the update of the rates of return they have become the best investment solution. Here is the latest news launched by Poste Italiane.

Postal savings bonds increasingly sought after by Italians. After years of pause due to poor returns and lived in the shadow of treasury bills, finally after the update of interest rates we have returned to talk about them.

Poste Italiane, on the occasion of its 160th anniversary, has launched a series of new postal savings bonds, including 3 years plus voucher, Renewal voucher and Sustainable Savings voucher.

The increase in interest rates was driven by increasingly heavy inflation in recent months which is causing a loss of purchasing power for Italians.

This increase has first the newly issued savings bonds with rates that have passed since 0.5 to 2% and subsequently the increase affected the bonds already in circulation.

This increase by the Cassa Depositi e Prestiti has brought competitiveness back postal bonds.

Among the many present in the portfolio of Poste Italiane, a new issue appears. It’s about the Postal savings bond 3 years plus which offers a gross annual yield to maturity dell’1,50%.

So let’s see all the features of the newly issued Postal Bond.

Postal savings bonds, new launch by Poste Italiane. This has incredible yields

For a few months now i Postal savings bonds they are back to being the instrument most loved by Italian savers. This increase in interest was mainly caused by theincrease in rates of return by the Cassa Depositi e Prestiti.

These are short-medium-term savings solutions and are therefore highly sought after by Italians. we know very well that the Italian families have a low risk appetite and they prefer to invest in solutions with certain returns rather than those characterized by greater uncertainty.

The savings bonds are issued by Deposit and loan fundbut is interested in their distribution Italian post. They are instruments guaranteed by the State and upon expiry they allow for get the repayment of the entire principal and interest accrued up to that time.

And a few days ago the news of the issue of the new ones postal savings bonds of Poste Italiane. We are talking about 3-year plus savings bonds issued with the characteristic of being a savings product dedicated to customers who wish to invest their funds in the short term.

But what are the features?

Postal savings certificate “BFP at 3 years Plus” it is a personal, short-term financial solution which provides for the recognition of a fixed rate of return at maturity.

His duration is three years and cannot be transferred. Like all postal savings bonds, it is repayable at any time and can only be made out to a natural person.

The expected return is defined at the time of subscription and is predetermined, there are no management and subscription costs, only tax charges are to be considered.

There is no inheritance tax on these vouchers and they are subject to a tax of 12.50%.

Postal savings bonds 3 years plus: this is how they are subscribed

The 3-year plus postal savings certificate can be signed at any post office or through the BancoPosta App or online by presenting an identity document and the tax code.

Like most postal savings bonds, it can be subscribed for a minimum amount of 50 euros and multiples.

For i Paper Postal Savings Bonds, the rights of the holders to see the capital reimbursed plus the payment of the interests fall into elapsed prescriptions 10 years from the expiration date.

On the contrary i dematerialized they are not prescribed they are repaid directly on expiry automatically to the holder’s account.

Postal savings bonds 3 years plus: here is an investment simulation

Are you thinking of investing 5,000 euros in savings bonds and want to know the yield? Well, on the site of the deposits and loans there is a calculator or better defined as semulator thanks to which the performance of the voucher is verified for the entire duration of the subscription.

If you want to subscribe to the new postal savings certificate 3 years plus you can use the simulator to calculate the yield.

By entering the amount (5000 euros) the subscription date (20/01/2023)the simulator will generate a series of calculations in order to obtain the yield to maturity (gross yield 1.50%).

With regard to this type of Bond, the calculation shows that the net redemption value at maturity is 5.199,84 euro.