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

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

How much can you earn by investing in BTPs

Find out how much you can earn by investing in BTPs with the simulator that will immediately calculate the net return by processing the purchase price, maturity of the security, coupon interest, purchase date, investment amount, reduced taxation of 12.5%

BTP net yields, BTPs in real time

The net yields of BTPs are the yields that an investor can actually receive after taxation. The yields of government bonds are subject to a taxation of 12.5%; stay updated for free on BTPfacile.it on BTP prices and consult all the relevant data such as the net coupon, net yield and maturity

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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!
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.
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
Disclaimer
All information presented on BTPfacile.it is intended for informational purposes only and does not in any way constitute investment, savings, legal, or tax advice. The data displayed is generated automatically by our systems, and despite our continuous effort to provide the best possible service and the best online BTP investment simulator, we do not guarantee the accuracy of the information and assume no liability regarding the use of such information. Quotes may be subject to delays (at least 15–20 minutes) and are purely indicative. BTPfacile.it is an autonomous and independent software project. It has no link, affiliation, partnership, or connection with other companies, platforms, commercial brands, or third-party comparison sites operating on the web, and does not constitute a registered journalistic publication pursuant to Italian Law 62/2001.
The BTPfacile.it team