The Proiezionidiborsa team intends to suggest 3 effective alternatives for those who do not want to keep money in the bank and open a current account. Not everyone finds it convenient or reliable to deposit their savings with a credit institution because they are afraid of suffering losses. They prefer to keep the sums of money they manage to accumulate over the years elsewhere. For others, however, the mere idea of having to incur expenses to entrust liquidity to banking institutions is intolerable. So on the one hand there is mistrust, on the other the desire to save on costs which implies the opening, the fee and the management of a current account.
Even the saver who relies on banking institutions must not let his guard down because he often incurs expenses that he is not even aware of. To this end, it might be useful to read the article “Money on the current account: what to watch out for “. In it our Experts provide useful tips to avoid bad surprises for current account holders. On the other hand, we analyze at least 3 effective alternatives for those who do not want to keep money in the bank and open a current account. This is because, in fact, opening a bank or post office current account does not represent the only opportunity to keep and possibly make the savings bear fruit.
3 effective alternatives for those who do not want to keep money in the bank and open a current account
The first valid alternative to bank deposit coincides with the investment in Postal savings bonds, a still safe saving mode. These are securities that enjoy the guarantee of the State for which they do not have risk margins, but ensure a modest return. The second alternative could lead you to take out life insurance or a supplementary pension. In both cases, the taxpayer has a way to shelter their savings and guarantees a piggy bank for years to come. Furthermore, there are tax advantages that are not negligible since it is possible to include life insurance among the charges to be deducted.
The last alternative to opening a checking account would involve investing in real estate. Therefore, instead of leaving the money on deposit with a bank, many savers could buy an apartment or space to rent for commercial use. Over the years, the annual annuity should guarantee the recovery of the capital and in any case ensure the possession of real estate.
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