Better deposit accounts or government bonds?
Even if the rates go down and taxes go up, deposit accounts are still the most profitable of the Government and have the guarantee of the Interbank Deposit Guarantee Fund.
The deposit account seems to have lost its appeal after that rates for a year now, and have come down also came the rise of stamp duty. On closer inspection, however, still reveal an investment tool convenient, certainly more of government bonds.
Who has invested in three-year BTP Bot annual or, in fact, will get your bank account amounting to a net gain of 2.01 and 1%. The deposit account, according to the average of the offers currently on the market, fruit instead the 3.28% equity.
This is calculated net of fees. The result that rewards deposit accounts is surprising, because they win despite being hit with a heavier taxation: 20% compared to 12.5% applied to government bonds. In addition, the deposit account offers more guarantees, because the owners are reimbursed up to 100 thousand euro in case of default of the bank because of the Interbank Deposit Protection.
The real convenience is opting for deposit accounts bound, ie for those that provide for the freezing of the amount paid for a certain period of time, usually between 3 and 24 months. The only thing you have to be careful are the contractual conditions on the early withdrawal: withdraw the money before the due date may not be possible or may take a penalty, or could result in the loss of interest already accumulated.
03/03/2013
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Translated via software
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Source:
Italian version of CercaGeometra.it