To avoid the costs of storing money in the current account, here’s how to earn by investing only 1,000 euros.
Do you have 1,000 euros to invest? Don’t worry if the figure may seem small, it’s not. The Bag Projection Experts in this article will be able to give you a suggestion on how to invest small amounts and make them return. To avoid the costs of storing money in the current account, here’s how to earn by investing only 1,000 euros.
To avoid the costs of storing money in the current account, here’s how to earn by investing only 1,000 euros
The problem for many is how to invest small amounts. Who has 20 thousand euros, 30 thousand euros, but also 10 thousand euros, has a variety of possible investments. The case is different for those who may save 200, 300 euros a month and periodically accumulate 1,000 euros on the account they would like to invest. But where?
Poste Italiane offers customers a series of products designed for small amounts. They have the advantage of being at no cost, which is not irrelevant. And to be investments guaranteed by the Italian State, like government bonds.
An interesting tool are the Postal savings bonds 3 × 2. It is an investment for those with a medium-term horizon, in fact they have a maximum duration of up to 6 years. They offer increasing returns and can be repaid at any time if needed. Even if the interests are recognized only at the end of the third and sixth years.
How much do 3 × 2 Coupons make?
Let’s take an example. Let’s suppose we have an average monthly saving of 200/300 euros. On average, after three or four months, the account accumulates 1,000 euros, which we do not want to keep in stock. Also because with an account under 5,000 euros of average stock, we avoid paying the stamp duty.
So what to do with the 1,000 euros? Investing in 3 × 2 interest-bearing postage bonds can be a solution. They have no subscription or redemption costs, even in advance.
So let’s imagine spending 1,000 euros and keeping them for 6 years, buying the 3 × 2s on 12 September. How much will we have earned on September 12, 2026? After 6 years, the accrued capital will be € 1,018.14 gross of tax which affects € 2.27. Net it will be 1,015.87 euros.
This form of investment is suitable for those looking for a small monthly savings and want tools that allow them to park excess liquidity. Liquidity that could be used at any time.
Not wanting to keep the money in the account to avoid costs, the 3 × 2 Coupons are a solution. Not only are they cost-free, they also offer a small return. And by investing 1,000 euros every three or four months, at the end of the 6 years you can collect a decent sum.
To know more
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