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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

Credit risk of BTPs

The possibility that the Treasury will default on the payment of coupons or the repayment of capital.

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BTP training

Credit risk of BTPs
Credit risk refers to the possibility that an issuer of a security, such as a BTP (Buono del Tesoro Poliennale), will not be able to honor its payment obligations, that is, will not pay the coupons or will not return the capital at maturity. Here is an in-depth look at this type of risk:

Credit Risk in BTPs
  1. Issuer: BTPs are issued by the Italian government, so the credit risk is linked to the government's ability and willingness to repay the debt. In general, government bonds are considered among the safest investments, but the risk still exists.
  2. Credit Rating: Credit risk is often assessed through the credit rating, which is assigned by rating agencies such as Moody's, S&P and Fitch. A downgrade in the sovereign rating may indicate a higher perception of risk and may negatively affect the price of BTPs.
  3. Economic and Political Events: Economic factors, such as recessions or political instability, can increase credit risk. For example, a debt crisis may lead to concerns about the government's ability to repay its obligations.
  4. Return and Risk: In general, securities with higher credit risk tend to offer higher yields to compensate investors for the additional risk. BTPs, being relatively safe, tend to offer lower yields than bonds from lower-rated issuers.
Risk Mitigation
  • Diversification: Investing in a variety of financial instruments and asset classes can reduce your exposure to the credit risk of a single issuer.
  • Rating Monitoring: Keeping an eye on changes in credit ratings and economic prospects can help you make informed decisions about your investments.
Conclusion
Although the credit risk associated with BTPs is relatively low compared to other forms of investment, it is still important to be aware of this risk and monitor economic and political developments.

Information on BTPs

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

Enter how much to invest in BTP and the simulator will immediately calculate the net yield by processing the purchase price, maturity of the security, coupon interest, purchase day, investment amount, reduced taxation of 12.5%

Calculate the net yields of fixed-rate BTPs with the online investment simulator

Find out how much investing in BTP can earn. The simulator will immediately calculate the net yield by processing the purchase price, maturity of the security, coupon interest, purchase day, investment amount, reduced taxation of 12.5%

Best BTPs on the market

Finding the best BTP to buy depends on your financial goals and what your expectations are. BTPs with higher coupons guarantee better returns but you have to pay attention to their duration, the maturity. The longer the maturity of the BTP, the more you are exposed to price volatility and inflation risk. Use the BTP investment simulator and find out how much you could earn by investing in BTPs.

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What they say about us

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Carmine
BTPfacile.it is a website that offers tools and information to help investors choose the BTPs that best suit their needs. The site includes an investment simulator that allows you to calculate the net returns of BTPs in real time, by entering the amount you want to invest. The site is useful for those who are trying to better understand the returns of BTPs and want to make informed choices.
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!
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!
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
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