Banks seeking liquidity.
Savers looking for a profitable and safe parking for their savings, in this period of financial instability.
This explanation of the growth of the collection of deposit accounts at times pre-and redeemable at notice, as he says in the reading of the statistical bulletins of the Bank of Italy in the last two years (1.500 billion, equivalent to 30% wealth Italian).
The deposit account: in questo periodo è questo lo strumento preferito dalle famiglie italiane.
The bank account with limited functionality to the payment of the, of two types, unconstrained and constrained, with the difference that in the first case the investor can dispose of the sums deposited at any time, taking advantage of lower interest rates compared to the second case when the tie sums, maybe only for twelve months (but you can do it up to five years) determines an interest rate higher. Certo meno del passato, ma sempre superiori al tasso d’inflazione.
The output in advance in this case can determine a remuneration lower or even cancellation of the rates applied (Here it is important to read the conditions applied by the bank, because in some cases it is not allowed to release the funds before maturity of the bond).
Fiscalmente, la preferenza delle famiglie italiane è favorita dalla conoscenza, ormai appurata della tassazione applicata, which now amounts to 26% sui rendimenti and, dall’assenza di spese aggiuntive, except the mini-capital on the stock 0,20%. But also from the security given by the fact that, anche il conto di deposito è assistito dal Fondo interbancario di tutela dei depositi (Fitd) che in caso di default della banca garantisce ogni depositante fino a 100mila euro (better to stay below that threshold also to avoid the application of the Bailin.
Per farsi una prima idea sui tassi segnalo che in Rete si trovano i cosiddetti comparatori, tools that allow you to compare the features of holding accounts on the Italian market.
E’ possibile approfittare anche di promozioni in essere per accaparrarsi un rendimento più alto.
Alex Gaetani
Can you elaborate with the following books: