(really) a good time for i deposit accounts. Not only for short and medium term investments which provide rates of up to 4.75% gross per year for a 24 month bond, but also for those reserved for under 18s.
The latest offer, in chronological order, launched by stands out in this market segment Italian post which proposes a new series of postal savings bonds to increase the savings of minors from zero to 16 and a half years of age. There is a return on the plate up to 6% gross per yearconsidering that the interest rate varies based on the age of the minor at the time of signing the voucher.
Postal voucher for minors starting from 50 euros
Also there maximum duration of the postal savings certificate varies depending on the age of the minor on the activation date. The baby saver can choose the amount to commit, starting from one minimum sum of 50 euros to go up.
The postal savings voucher for minors at zero expense. It benefits from a preferential tax rate of 12.50% and is exempt from inheritance tax. It can be opened both in a post office and online. Postal savings bonds are issued by Cassa Depositi e Prestiti and, therefore, guaranteed by the state.
Savings books and current accounts for minors
In addition to Poste Italiane, also the banks (traditional and 100% digital) are committed to the forefront in offering Italian families investment solutions for grow your savings of children and grandchildren. From BPER Banca to Revolut, as well as the big ones from UniCredit to Intesa Sanpaolo and Crdit Agricole, there are numerous credit institutions that have enriched their range of proposals by also providing the so-called savings books for minors.
They are savings deposits, recommended up to 12 years of age and which offer a guaranteed return over time, even if they only allow deposit and withdrawal operations. From 12 years old and up to adulthood, the most popular are current accounts for minors. Financial products which in some cases:
- they deliver one remuneration on inventory;
- they provide one debit or prepaid card for the minor;
- allow you to make online payments;
- allow you to withdraw cash from an ATM.
These accounts for under 18s are useful tools forfinancial education of very young people and to allow them to use money responsibly.
Deposit accounts: comparison of the most advantageous offers
Beyond the forms of investment for minors, the current one is a profitable season for deposit account in general. Even if they offer returns that are not as high as in the last quarter (i.e. up to 5% gross per year), in any case due to very short-term constraints (6 months), there are banks that grant up to 4.25% gross per year: for 10,000 euros of investment, the net profit of 146.85 euros. Rate that goes up to 4.75% gross per year for longer constraints, for example 24 months (constraining 10,000 euros the net profit of 663.91 euros), or the 4,5% for investments lasting 36 months (on 10,000 euros the net profit of 939.86 euros).
With the comparator of ComparaConti.itit is possible to locate the best savings account for a zero risk investment and with a guaranteed return over time. But not only that: this free digital tool also allows you to find the best zero fee current account of February 2024. Usually, this is a online current accountin terms of free rental forever or at least for the first year.
2024-03-11 17:13:50
#Savings #18s #higher #rates #deposit #accounts
