Safe ways to invest liquidity in times of crisis

To defend his reserves without running the risk of particular investments, the product preferred by Italian remains the deposit account, despite the mini sheet that hit too and despite yields have fallen since last year.

Yet still manage to achieve in some cases even 4%, and more if you choose to constrain the amount to be invested for a long period, such as 12 months. Many Italians prefer to take refuge in a deposit account because they make more of a traditional account and involve less risk of another type of financial investment.

According to a survey that analyzed the budgets of various deposit accounts, in times of crisis Italians are ready to secure an average of € 19,000, leaving them tied up for 15 months.

A push towards the use of the deposit account also the reduction of tax rates on deposits or bound (increased from 27% to 20%) and the exemption from stamp duty of € 43.20 for all inventory value less than five thousand euro.

In favor of opening of deposit accounts also banking institutions, which seek to contend for the liquidity of the account, for which I am prepared to pay up to 4% for amounts restricted for up to 12 months. Many prefer Furthermore, deposit accounts, because in case of a default of the bank with which it is activated, the deposited amount is covered by a fund interbank guaranteeing repayment of up to one hundred thousand euro.

 

08/08/2012

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Translated via software

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Source:

Italian version of CercaGeometra.it