Risparmiare in Italia: Fidarsi del sistema bancario?

Si sentono spesso le risposte piA? disparate ad una domanda simile, ma la veritAi?? da che parte A? realmente? Fermo restando che non si puA? mai generalizzare e che unai??i??analisi approfondita dovrebbe sempre tenere conto della condizione patrimoniale della propria famiglia e personale, A? anche vero che qualche indicazione di massima si puA? fornire. Conviene, dunque, lasciare i propri risparmi sul conto corrente oAi?? conviene di piA? investire sul mercato azionario? Diciamo che in molti, vista la situazione non proprio semplice che le economie occidentali stanno attraversando e le continue oscillazioni della Borsa, preferiscono evitare investimenti e mantengono il denaro congelato su un contro corrente o, nella migliore delle ipotesi, su un conto deposito.



La scelta non A? sbagliata, soprattutto, si puA? essere tranquilli circa i propri depositi in banca, dal momento che in Italia si A? tutelati attraverso il Fondo Interbancario. Gli istituti di credito sono tenuti ad aderire obbligatoriamente a tale fondo, in modo tale che venga sempre garantita la copertura di una giacenza sul conto corrente fino al tetto di 103 mila euro per intestatario. In caso di fallimento della banca, quindi, si puA? essere certi che si tornerAi?? in possesso del proprio denaro, seppure in due distinte tranche, a distanza una di tre mesi dalla liquidazione della banca; lai??i??altra nei tempi previsti in fase di liquidazione.

Risparmio italia, conto corrente, fondo interbancario, borse, investire in italia, investimenti azioni

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