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Calculate the net yield of BTP
With the BTP investment simulator you can discover in real time how much you can earn by purchasing BTPs today and bringing them to maturity

BTPs, BOTs, CTZs and CCTs

Government Bonds

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BTP training

BTPs, BOTs, CTZs and CCTs
Here is an overview of the main Italian public debt instruments: BTP, BOT, CTZ and CCT.

  1. BTP (Buoni del Tesoro Poliennale)
    • Description: Long-term government bonds with fixed coupons.
    • Maturities: From 3 to 30 years.
    • Yield: Coupons are paid semi-annually and the yield is fixed at the time of issue.
    • Objective: Financing of long-term public debt.
  2. BOT (Buoni Ordinari del Tesoro)
    • Description: Short-term government bonds, with no coupon.
    • Maturities: Generally 3 to 12 months.
    • Yield: They are issued at a lower price than the nominal value; the yield is given by the difference between the purchase price and the nominal value repaid at maturity.
    • Objective: Short-term liquidity management.
  3. CTZ (Zero Coupon Treasury Certificates)
    • Description: Government bonds with no coupons, similar to BOTs but with longer maturities.
    • Maturities: From 24 to 36 months.
    • Yield: Also in this case, the yield is determined by the difference between the purchase price and the nominal value repaid at maturity.
    • Objective: Medium-term debt financing.
  4. CCT (Certificates of Credit of the Treasury)
    • Description: Medium-long term government bonds with variable coupons linked to market interest rates.
    • Maturities: Generally 7 to 10 years.
    • Yield: Coupons are paid semi-annually and vary based on the performance of Euribor rates or other reference indices.
    • Objective: Medium-long term financing with protection against interest rate risk.
Conclusion
These instruments offer different investment opportunities based on investors' needs for yield and liquidity.

Information on BTPs

Choose a topic from the list below and learn more about it
Selling BTPs at maturity
BTPs and risks
Taxation on BTPs
Capital gains
Credit risk of BTPs
Inflation and BTPs
Stock Market Calendar and Trading Hours
Interest rate risk in BTPs
Dividends
Is it worth investing in BTPs?
Inflation risk of BTPs
Selling BTPs before maturity
Buying BTPs
The yield of a BTP
Capital losses
The periodicity of BTPs
The maturity of a BTP
The coupons of BTPs
Choosing between BTPs and STOCKS
Reinvestment risk of BTPs
Macroeconomic risks
Capital gains
The price of a BTP
Buying a BTP below par
Types of BTPs
Liquidity risk of BTPs
What is a bond
Secondary Market
MOT Market
The profit from a BTP
BTPs, BOTs, CTZs and CCTs
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Specific features of BTPfacile.it

  • Investment Simulator: This tool allows you to calculate the net yield of BTPs in real time. By entering the amount you wish to invest, the simulator processes various parameters such as the purchase price, the maturity of the security, the interest of the coupons and the reduced tax rate of 12.5%
  • Information on the Best BTPs: BTPfacile.it provides an updated list of the best BTPs to buy, based on various factors such as maturity, market price and coupons.
  • Price Trends: You can view the average price trend of BTPs daily, helping you make informed investment decisions.
  • BTP Education: The site offers educational resources on BTPs, explaining concepts such as the frequency of coupon payments and the differences between various types of government bonds.
  • Secondary Market: BTPfacile.it provides information on the secondary market, where investors can buy and sell securities among themselves without the intervention of the issuer.

What are the 5% BTPs?

Enter how much to invest in BTPs in the simulator and the net yield will be calculated immediately by processing the purchase price, maturity of the security, interest on the coupons, day of purchase, amount of the investment, reduced taxation of 12.5%

How to calculate the yield of a BTP

Enter in the simulator how much to invest in BTPs and the net yield will be calculated immediately by processing the purchase price, maturity of the stock, interest on the coupons, day of purchase, amount of the investment, preferential taxation of 12.5%

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What they say about us

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Ettore
I've been using BTPfacile.it for some time and can confidently say it's one of the most useful and intuitive tools for those who want to invest in Italian government bonds (BTPs) with an informed mind. The site is clear, fast, free, and displays the average annual net yield in just a few seconds, something that's often difficult to understand with official data. Thanks to BTPfacile.it's BTP investment simulator and the ability to filter by maturity, type, and yield, I can always find the right security for my needs. I regularly recommend it to friends and family, even those with little investment experience: everyone finds it simple to use and very helpful in understanding what they're really buying. Congratulations to the team: you're doing a great job!
Davide
Thank you for your work
BTPfacile.it is a truly invaluable tool! Good morning, I just wanted to thank you for your excellent work with BTPfacile.it. I've been using it for some time now and am always impressed by its clarity, simplicity, and usefulness. Thanks to your website, I was able to find the best BTPs in just a few minutes, not only for myself, but also for friends and acquaintances, to whom I was able to give concrete advice based on real data. You've saved me time and made investing in government bonds much more understandable and accessible. If I could, I would actually send you a bank transfer as a symbolic gesture for the value you've created! Keep up the good work. Your project is incredibly useful and deserves to be known by more and more people. Kind regards, Davide
Giovanna
I use BTPfacile.it with great satisfaction and consider it far superior to other sites in the industry, even those that have been around for many years. Unlike other portals, BTPfacile.it is simple, clear, and focused on what really matters: net returns. In just a few clicks, I can compare stocks, simulate real investments, and understand exactly what's best for today. I don't need to download Excel spreadsheets or interpret complex data: everything is immediate. I also use it regularly to help friends and family, and everyone is happy with it. Congratulations to the team: you've created a truly useful and intelligent tool. Keep up the good work!
Disclaimer
All information displayed on BTPfacile.it is to be considered for informational purposes only and does not constitute in any way an investment, savings, legal or tax advice. The data displayed is generated by our systems automatically and despite our continuous commitment to offering the best possible service and the best online BTP investment simulator, we do not guarantee the accuracy of the information and we do not assume any responsibility regarding the use of the information itself
The BTPfacile.it team
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