Italian Tax
BTP Bond Ladder: How to Build a Maturity Ladder for Steady Fixed Income
How to build a BTP bond ladder for predictable fixed income in Italy: 12.5% tax rate, zero credit risk, and a step-by-step construction …
ETFs & Portfolios
Retirement Portfolio Decumulation: How to Withdraw Without Running Out of Money
Four withdrawal strategies, the bucket approach, and tax sequencing to make your retirement portfolio last. A practical guide for long-term …
ETFs & Portfolios
Unit-Linked Life Insurance vs ETFs: What They Really Cost and When Insurance Makes Sense
Unit-linked life insurance vs ETFs: the Bank of Italy measured the cost gap. Real benefits, the term life + ETF alternative, and a 20-year …
Investing Fundamentals
Investment certificates: what they are, how they work, and the risks banks don't explain
Investment certificates promise both safety and high returns. But they hide significant costs, barrier risks, and bank-controlled liquidity. …
Investing Fundamentals
Italian Severance Pay (TFR) and Supplementary Pension Funds: Is It Worth It in 2026?
Italy's 2026 reform auto-enrolls new hires into pension funds. Compare TFR taxation, COVIP returns, and when keeping severance pay …
Italian Tax & Investing
