The banks go on the attack. Customers who buy BTPs are “affected”.

The banksNow they are going “on the attack”. With the convenience of BTPs falling, banking institutions have returned to contact your customers shortly after purchasing government bonds through their​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

The bank’s aim, in light of the client’s proven investment outlook, is to make the saver’s capital go towards BTPs or similar – whose money goes directly to the State and on which the banks do not earn any commission – but come on. financial products created by the bank itself or for whom a generous payment is expected commission.

The banks go on the attack and offer more attractive products than BTP

These results, after the last few years in which the yield of government bonds, so to speak, were difficult to beat, now appear convenient in the eyes of customers. And often they are too. But take into account the management costs and expected commissions.

It is essential to read all the details of the membership agreement before proceeding with the investment, even if yours is among the safer banksto be sure what you are buying, what the risks are and any benefits.

Products that beat BTPs

Despite their stability, the current net yield of BTPs, which reaches a maximum of 4.30% on the longest maturities, is no longer sufficient for many investors.

Starting from deposit accounts which, with liquidity restricted only in the short term (24 months) today offers a net yield that is higher than 3%.

Even money that includes high yield links they are starting to appear particularly interesting, with returns even higher than 7% because they are more risky. However, the financial results they reveal can exceed a net return of 8%. emerging markets.

Let’s not forget equity products with a good risk balance, which on average offer higher returns than today’s government bonds.

If you have just bought government bonds and your bank wants to offer you other financial products, evaluate all the options on the table, not forgetting to respect your risk appetite and bearing in mind that, unlike BTPs, most other funds do not benefit from it. a favorable tax rate of 12.5% ​​and a guarantee of repayment of the investment capital when it matures.