With the uncertainty in the markets and the volatility of other investments, Treasury Lyrics They have captured the attention of investors seeking security and profitability.
They are a product of Fixed income with state supportwhich makes them an attractive option for those who want to preserve their capital without assuming great risks. Do you need financial advice? Keep reading.
What are the Treasury lyrics?
They are debt instruments issued by the Public Treasury To finance the State. Its main characteristic is that they are short -term fixed income values, with maturities that usually range Between 3 and 12 months.
Investors acquire them at a lower price than their nominal value and, at the expiration, receive the total amount.
Main characteristics of Treasury letters
To better understand this financial product, it is important to know its key aspects:
- Expiration period: They are issued at 3, 6, 9 and 12 months.
- Profitability: It is determined by the difference between the purchase price and the nominal value received at the expiration.
- Security: Being backed by the State, they have a very low risk compared to other financial assets.
- Liquidity: Although they are issued with fixed maturities, they can be sold before their expiration date in the secondary market.
- Accessibility: They can be acquired both through the Bank of Spain and through financial entities or online platforms.
How do Treasury letters buy?
There are different ways to acquire Treasury Lyrics:
- Treasury auction: They can be purchased directly through the Bank of Spain in the periodic issues carried out by the public treasure.
- Secondary market: Once issued, they can be bought and sold in the secondary market through banks and investment platforms.
- Investment funds: Some funds include treasure letters in their portfolio, allowing investing in them indirectly.
Who are the Treasury letters appropriate?
They are an attractive option for different investor profiles:
- Conservative Savings: People who seek to preserve their capital with a predictable profitability.
- Investors that diversify: those that combine fixed income assets with other more volatile investments.
- Companies and individual heritage high: organizations or individuals with available capital that seek a safe alternative for liquidity.
Treasury taxation
Treasury Lyrics generate yield yields and tax at IRPF as investment yields. They have no retention at the time of purchase, but their performance is included in the tax base of savings.
The Treasury Lyrics They are a safe and accessible investment alternative, ideal for those looking for stability in their portfolio. Their profitability depends on the economic context and demand at each auction, but their state support makes them a reliable option.
If you are interested in including this asset in your financial strategy, in Norz Patrimonia We can advise you on the best way to do it.