The stock exchange is a swing and traditional yields cry. It is ethical finance to pay more and better.

Italians are a people of savers, and this has saved us on the occasion of the international financial crisis.

But precisely because we tend to put savings aside it is also good to understand where and how to invest.

And here the effort begins. The stock market is too volatile, the brick is in crisis, bank yields and government bonds are at an all-time low. Whichever forum you consult, whatever the common opinions, it is Smartika’s “social” private loan model that guarantees the highest earnings, averaging around 5 percent gross with a peak of 6.5.

But let’s make a comparison, bearing in mind that also the capital accumulation plans or investment funds include equity and non-equity shares.

Social lending

In addition to guaranteeing the significant return referred to above (5 / 6.5%) Through the Smartika platform, authorized and supervised by Bankitalia, small amounts (from 100 to 100 thousand euros) and with ethical and social objectives can also be invested. The investment is in fact on people, on their development, on consumer credit, on the continuation of studies with positive effects on the country’s economic, (GDP), employment and cultural growth.

It is then a safe investment, already widespread in the US, China, and UK,   and guaranteed by a protection fund to cover all or part of the invested capital. The default rate of creditors is limited to 2.5 percent (against 6/7 percent banking).

The dance of the Brick .

The traditional investment of Italians is brick, but between 2007 and 2015, real estate lost 27.2 percent in Milan and 46 percent in Bologna (Tecnocasa data). Only last year the decline was 2.5 percent and the previous year by 4.4. This year, if all goes well, the market should remain stable (zero growth Assofin data)

Business Square in swing

Since the beginning of the year (data updated to July 14th last) Borsa Italiana FTSE MIB, the main index that collects about 80 percent of the Italian capitalization, that of the major national companies, has fallen by 19 percent losing a fifth of its value .

Government bonds.

Once they were a safe, today they do not pay. The Bund, the German government bonds that are the reference point for the spread calculation (differential) with other European securities, thus measuring their solidity, are so sure that they do not make anything (- 0.54 percent at 12 months, minus 0.59 to two years, – 0.016 to 10 years and 0.518 to 30 years).

It’s a bit better, but not enough, with our Bots, whose one-year rate is negative (- 0.012 percent). The three-year yield is 0.067. At ten years of 1,499 and at 30 years of 2,622 percent.

Cash in the bank?

The rate of the European Central Bank on interbank lending is now negative (-0.35 per cent). As a result, current accounts make little or no. It goes from 0 to 1 percent when it’s OK. Unrestricted deposit accounts travel around 0.5. Those tied to three months repay with 1 percent and those two years with 1.80.

To you the choice.