how to get up to 3% gross for one year – Corriere.it

The postal book was often the first gift from grandparents to their newborn grandson, as a wish for future earnings and as a tool for learning how to manage money. And the fact that they are products guaranteed by the State, therefore safe and reliable instruments, greatly influenced this choice. Now even postal savings books have evolved and become smart: in fact, they can also be managed online and, using the card, payments and withdrawals are also possible at ATMs. And, thanks to the rise in interest rates, yields have also adjusted. For those who open a new passbook by 5 July and for old holders who bring in new liquidity, Poste Italiane offers the SuperSmart Premium which guarantees 3% gross per annum on the stock held for 300 days. For all the others, the SuperSmart 360 days which promises a gross annual rate of 1.50% on the stock held for 360 days. The minimum payment of 1,000 euros, which can be increased by 50 euros and multiples, by bank transfer, cheques, salary or pension credit. A withholding tax of 26% is applied to interest and, as for current accounts, the stamp duty of 34.20 euros is not applied to the average annual balance of less than 5,000 euros.

The new offers

Poste Italiane is a platform company – explains the CEO, Matteo Del Fante – with a resilient and sustainable diversified business, a market company that has been able to transform itself in recent years but which retains a central role in the management of Italian savings. Postal savings still represent the most stable source of retail financing of public spending. We are proud to provide this service of general economic interest, which once again confirms Poste Italiane’s role as a strategic pillar for Italy. The company has recently renewed its offer. New for the booklets reserved for minors, now divided into three age groups: I grow up (from zero to 12 years old), I know (from 12 to 14 years old) and I understand (from 14 to 18 years old). The passage between the different bands is automatic. On the passbooks for the youngest, the maximum deposit limit is 15,000 euros and the symbolic return, equal to 0.01% gross per annum. Like all postal passbooks, there are no opening, management and closing costs. Always thinking of minors, on 15 June a new Fruttiferous Bond was launched, designed to offer children the opportunity to carry out a project when they turn eighteen. The return on this bond increases over the years: from 2.50% to 4.50% gross per annum. It can be requested in paper or dematerialized form which has two advantages: the possibility of requesting partial early repayment and not ending up in the statute of limitations. It is also the only coupon that can be subscribed by third parties.

Poste Italiane also offers Piccoli e Buoni a savings plan which provides for the periodic and automatic subscription of postal savings bonds Dedicated to minors, from zero up to the age of 16. At the age of 18, the amount subscribed, including accrued interest, will be automatically credited to the passbook in the boy’s name. The Savings Plan is designed for parents, grandparents and relatives and can be subscribed to by anyone over the age of 18 who holds a postal savings book or a BancoPosta current account. To sign it, just go once to the post office where your account or passbook was opened and indicate the number of the passbook in the name of the minor to whom you wish to give the savings plan. In line with the new savings trends, there is also the Sustainable Voucher which aims to finance environmental projectshas a duration of seven years and recognizes an increasing gross fixed yield: from 0.50% to 1.50%, payable at maturity, to which is added a premium linked to the performance of the Stoxx Europe 600 Esg-X index , baskets of companies that comply with ESG criteria.