Deposit account, the investment that helps you save: convenience, taxes and risks
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Why choose a deposit account?
Investing in a deposit account is increasingly convenient, for at least four reasons. First of all, it is a low-risk investment solution, which allows you to obtain a return without having to be exposed to the uncertainties of the financial markets. Secondly, it is a safe form of investment, because it is covered by the Interbank Deposit Guarantee Fund. In the event of bank failure, the Fund intervenes to cover account holders and those with a deposit account, covering investments that reach the threshold of 100,000 euros per saver.
Thirdly, deposit accounts currently offer very attractive returns. According to data from the SOStariffe.it Observatory, the rates offered by banks almost quadrupled between 2022 and 2023 and yields continue to grow. Finally, deposit accounts are also convenient from a tax point of view, since the yield is subject to a withholding tax of 26% and a stamp duty of 2 per thousand is due on deposits.
Jun 22, 2023
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