BTP o Buoni fruttiferi Postali? – Il dilemma del risparmiatore Italiano
I Buoni Fruttiferi Postali (BFP) e i Buoni del Tesoro Poliennali (BTP) sono entrambi strumenti di investimento a medio-lungo termine emessi dallo Stato italiano, ma hanno alcune differenze significative.
- Rendimento: i BTP offrono un tasso di interesse solitamente più elevato rispetto ai BFP, ma il loro valore può essere influenzato da fattori macroeconomici e politici, come l’andamento del mercato obbligazionario, il rischio di credito dello Stato e le politiche fiscali. D’altra parte, i BFP garantiscono un tasso di interesse fisso o variabile, ma il loro rendimento può essere inferiore a quello dei BTP.
- Rischio: i BTP sono considerati titoli di debito più rischiosi rispetto ai BFP poiché il rischio di credito dello Stato può influenzarne il valore di mercato. I BFP sono invece considerati uno strumento di risparmio sicuro e garantito dallo Stato italiano.
- Durata: i BTP hanno scadenze variabili tra i 3 e i 30 anni, mentre i BFP hanno una durata compresa tra i 3 e i 20 anni.
- Liquidità: i BTP sono negoziati su un mercato regolamentato, il MTS, il che garantisce una buona liquidità. I BFP possono essere riscattati immediatamente e sono disponibili solo presso gli uffici postali o tramite il sito web delle Poste Italiane.
Entrambi i prodotti sono garantiti dal Ministero dell’Economia e delle Finanze (MEF), direttamente o indirettamente. I Buoni fruttiferi postali sono emessi dalla Cassa depositi e prestiti, una società controllata dal MEF. I Titoli di Stato sono emessi direttamente dal Ministero.
BUONI DEL TESORO POLIENNALI
I BTP (Buoni del Tesoro Poliennali) sono titoli di stato emessi dal Tesoro italiano per finanziare il debito pubblico. Sono obbligazioni a lungo termine con scadenze variabili tra i 3 e i 30 anni e offrono un tasso di interesse annuo fisso o variabile. I BTP sono considerati investimenti sicuri e stabili poiché sono garantiti dallo Stato italiano e sono negoziati su un mercato regolamentato, il MTS (Mercato Telematico dei Titoli di Stato). Inoltre, i BTP sono considerati uno strumento di investimento importante per gli investitori istituzionali e individuali in quanto offrono una buona diversificazione del portafoglio e sono altamente liquidi.
BUONI FRUTTIFERI POSTALI
I Buoni Fruttiferi Postali (BFP) sono titoli di investimento a medio-lungo termine collocati dalle Poste Italiane. I BFP sono considerati uno strumento di risparmio sicuro e garantito dallo Stato italiano, poiché il capitale investito viene remunerato con un tasso di interesse annuo fisso o variabile. I BFP sono disponibili in diverse forme, tra cui il BFP ordinario. Ogni forma ha caratteristiche e condizioni specifiche, ad esempio la durata, il tasso di interesse, la possibilità di riscatto anticipato e la tassazione. I BFP possono essere acquistati presso gli uffici postali o tramite il sito web delle Poste Italiane. Inoltre, i BFP sono considerati uno strumento di investimento adatto per coloro che cercano una soluzione di risparmio a basso rischio e con una buona liquidità.
CONFRONTO TRA BUONI FRUTTIFERI POSTALI E BTP: QUALE OFFRE IL MAGGIOR RENDIMENTO PER L’INVESTIMENTO A MEDIO-LUNGO TERMINE?
I Titoli di Stato più simili ai Buoni fruttiferi postali sono i BTP (Buoni del Tesoro Poliennali), entrambi ideati per investimenti a medio e lungo termine, a partire dai 3 anni. I Buoni fruttiferi postali sono disponibili in diverse scadenze, da 3 a 16 anni, e i rendimenti aumentano all’aumentare della durata dell’investimento. Ma come si confrontano i rendimenti dei Buoni fruttiferi postali con quelli dei BTP? Ad esempio, consideriamo un risparmiatore che intende investire 20.000 euro per un periodo di 5/6 anni. In questo caso, quale investimento offrirebbe il maggior rendimento: il Buono postale 3×2 o un BTP con scadenza simile? Il Buono postale 3×2 è un investimento che offre rendimenti crescenti. Tuttavia per ottenere il massimo ritorno è necessario mantenerlo fino alla scadenza, momento in cui si avrà un rendimento lordo annuo del 2,0%. Un disinvestimento anticipato dopo 3 anni, garantirebbe un rendimento annuo lordo dell’1,25%. Nel caso in cui il risparmiatore decidesse di disinvestire prima della scadenza dei 3 anni, non avrebbe diritto ad alcun rendimento. Diversamente, il BTP con scadenza a febbraio del 2029 (Isin: IT0005467482) ha una durata residua di 6 anni e al momento dell’analisi ha un prezzo ufficiale di 81,2 centesimi. Acquistando a questo prezzo, il risparmiatore si garantirebbe un rendimento lordo annuo del 4%, il doppio di quello offerto dal Buono fruttifero postale. Ma cosa accadrebbe se il titolo fosse venduto prima? Dipende dal prezzo di vendita. Si potrebbe registrare una plusvalenza così come una minusvalenza. Qui sta una fondamentale differenza tra i due strumenti. Chi vendesse in anticipo il Buono postale conosce in partenza quale potrebbe essere il suo rendimento. Chi vendesse in anticipo il BTP non lo potrebbe sapere, se non al momento dell’operazione.
Questo è indubbiamente un punto di forza del Buono postale contro il Buono del Tesoro. Chi ha un Buono fruttifero potrebbe non guadagnare nulla in caso di vendita anticipata, ma non perderà mai un soldo. Questo BTP strabatte i Buoni postali in rendimento. Tuttavia con il titolo di Stato c’è il rischio di incorrere in una perdita in conto capitale in caso di vendita anticipata.
DISCLAIMER
I contenuti di questo articolo hanno esclusivamente finalità di informare. Le informazioni fornite hanno valore indicativo e non sono complete circa le caratteristiche dei prodotti menzionati. Chiunque ne faccia uso per fini diversi da quelli puramente informativi cui sono destinati, se ne assume la piena responsabilità. Tutti i riferimenti a singoli strumenti finanziari non devono essere intesi come attività di consulenza in materia di investimenti, né come invito all’acquisto dei prodotti o servizi menzionati. Investire comporta il rischio di perdere il proprio capitale. Investi solo se sei consapevole dei rischi che stai correndo.
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