Market Mover

Conti deposito o Bot? Chi vince la sfida dell’investimento a breve termine

Jul 26, 2025
Marzia Redaelli, a finance expert at Plus, dives into the heated debate of short-term investment options. She analyzes the pros and cons of government bonds versus deposit accounts, revealing how current market conditions influence investors. The discussion covers essential factors like liquidity, tax implications, and the importance of understanding the terms of deposit accounts. Marzia also explores alternative investment avenues, shedding light on interest rates and guarantees, encouraging younger investors to reassess their approaches to liquidity management.
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INSIGHT

Deposit Account Returns Explained

  • Best net returns on deposit accounts are around 2% despite ECB interest rate cuts.
  • Longer deposit durations pay slightly more but the difference is minimal now.
ADVICE

Understand Deposit Conditions

  • Check if you can add or withdraw money before maturity when choosing a deposit.
  • Consider penalties or rate reductions if withdrawing early and be mindful of promo conditions.
INSIGHT

BOTs Offer Tax and Liquidity Benefits

  • BOTs offer about 1.7% net return, slightly below top deposit rates.
  • BOTs are liquid, can be sold before maturity, and have lower 12.5% tax compared to 26% on deposits.
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