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Irpef decree, what changes on the current account


Irpef decree is Bank account, what changes? Change that the Irpef decree increases the taxation of financial income, which is why account holders and investors, who now find themselves having to manage a real sting on savings, could take the opportunity to choose a new Bank account or a deposit account.

Higher interests and more suitable solutions to our needs (for example the possibility of releasing what is invested in a deposit account without paying penalties), they can in fact cushion the impact of Irpef decree.

A current account at no cost, for example, such as those proposed by CheBanca! (with Yellow Account, free of charge until 31 December) and ING Direct (with Orange Current Account, zero expense account), it can be the ideal solution for those who do not want to risk 'going negative' by spending more than they you earn with interest.

It should be remembered that the increase in taxation introduced by Irpef decree, from 20% to 26%, affects all financial income with the only exception of government bonds (which still enjoy a tax rate of 12.50%): therefore bank current accounts is postal, deposit accounts, bonds, actions, financial bills, ETF, dividends, coupons, managed savings is Mutual funds. The increase is valid from 1 July last.

According to independent calculations made by the CGIA of Mestre, the impact of the Irpef decree translates into an average price increase of one euro per year. However, this figure changes depending on the stock. In fact, the annual increase doubles in the case of stocks between € 10,000 and € 50,000, it becomes € 26.1 between € 50,000 and € 250,000 and beyond this threshold it reaches € 169.2 more.

Even worse goes to investors: for an investment of 100,000 euros in deposit account, the burden could be almost 100 euros a year. One more reason to study alternatives carefully and look for the highest returns.



Video: Exchange Rates: Impact of a current account deficit (October 2021).