Cheaper postal savings bonds: latest news on yields

 What to invest your savings in today ? Among the many investment solutions, Postal Interest Bonds are increasingly becoming a financial practice adopted by savers interested in low-risk forms of savings.

Investing in Swiss Post today and allocating part of your economic capital in interest-bearing bonds or savings books appears to be one of the financial solutions capable of almost guaranteeing a high percentage of security and reliability.

According to recent reports extrapolated from the provinces of Padua and Ravenna and sent to the media, 1 out of 3 Italians has at least one postal interest-bearing voucher or a savings book .

The reasons for the success of Postal Interest Bonds

Since their first issue in 1924, Postal Interest Bonds are one of the most popular investments by Italians, primarily because they offer a particularly low risk of possible losses.

Furthermore, Postal Interest Bonds do not undergo continuous variations on market rates , as their adjustment occurs sporadically through a specific decree issued by the Ministry of the Treasury.

Despite being low-yield investments, compared to BTPs that can be adjusted based on the trend of the secondary market, they are much safer and particularly suitable for savers who are not inclined to risk.

Among the safe (or almost) investments, Postal Interest Bonds have reached a considerable number which stands at 46 million throughout Italy, despite their yields being lower than BTPs.

Among the reasons for the success of Postal Interest Bonds, there is also the elimination of management costs and the facilitated taxation that improves the savers' profit margin.

Finally, the Ministry of Economy and Finance on the occasion of the 160th anniversary of Poste Italiane raised the yields of twenty-year postal savings bonds to 2% on 6 July 2022 .

How to invest in mail without risk?

Assuming that the guaranteed zero risk does not exist, it is possible to invest in postal savings bonds by going to the nearest Poste Italiane counter and subscribing to denominations of 50 euros and multiples of them or using the convenient App that can be downloaded for free on your mobile device, but also by accessing www.poste.it.

Taking advantage of yields higher than the traditional 0.5% of Postal Interest Bonds that today have jumped to 2% could be the solution to safeguard your savings from the strong inflationary pressure, against which Cassa Depositi e Prestiti has intervened by raising yields also on others Postal savings bonds.

Postal savings bonds: news and advantages

An advantage also for minors, whose access to postal savings bonds rises from 2.5% to 3.5% , up to the age of eighteen.

Furthermore, from last July 6th the parameters of the Smart Postal Book have been maintained and the 3-year Plus Coupon has been reintroduced which provides for the subscription of a fixed fixed return which can increase over time up to a maximum of 16 years and according to the following list:

• 4 × 4: maximum duration 16 years and increasing fixed return;
• 3 × 4: maximum duration 12 years and increasing fixed return;
• 2 × 3: maximum duration of 6 years and increasing fixed return.

Certainly a good opportunity for those who are inclined to invest money in a thoughtful way and avoid the traditional method of hiding money under the mattress , taking advantage of low yields but protecting savings from the corrosion of inflation which today has already reached 8% on an annual basis. .

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