My paternal grandfather was a farmer, or better husband of a peasant (Teresa).
My grandfather Felicetto, small and frail, was the brain work more than arms. When he went to sell eggs in the mountain villages, usava dividerle in diversi panieri (baskets), to avoid breaking them all in case of fall.
Trivial? Mica both.
Use always begin in the classroom, during the courses that I keep for citizens: “quando parliamo della gestione dei nostri risparmi, non esistono banalità”.
Investire bene i propri risparmi (The Sun 24 Hours)
Therefore, anche se avete pochi soldi da parte, better to divide between different forms of investment. Of course, things nearby, comfortable and habit give security, that feeling of having everything under control. E allora perché non lavorare con più Istituti, if possible, of different banking groups.
Come pure, the point of having so much money in the checking account? Never keep more than 100 mila euro sul conto corrente di un singolo Istituto, il Fondo Interbancario di Salvaguardia non risponde per le cifre superiori in caso di fallimento e, from 2016, in case of difficulty Institute, among those called to the Bank Rehabilitation (in last place), there are also depositors with more than 100 mila euro depositati sul conto Qui spiego il Bail in
Diversified with instruments, a titolo di esempio: Buoni fruttiferi postali, life insurance policies attached to segregated accounts that invest in government bonds (sapete che i rendimenti conseguiti nel 2015 go to dall'1,10% 6%?), etc.. Put a little’ of money of the one part, un po’ other. If the news is the price yield bots annual negative, un prodotto finanziario con un rendimento “guaranteed” of 7%, It means that it is tied to a very risky investment, qualsiasi cosa vi raccontino in Banca!
Nessuno in Banca vi obbliga firmare per un prodotto finanziario che non comprendete. If not you understand, most likely it is not even the bank that this model comes. The terms used are decisive for the quality of the financial product.
How well it is hard to read over 50 Pages of Prospectus. At worst, ask someone who chews more, to identify those 3 the 4 clauses help you decide whether to sign or not.
However always choose simple things.
Alex Gaetani
Sul risparmio e gli investimenti, you point out the following readings: