If the new normal of low rates imposed by the Central Banks has complicated the lives of savers considerably, making it increasingly difficult to obtain a satisfactory return on their portfolios, in the last period, the further monetary easing, made necessary by the pandemic, and the inflationary pressures recorded in a patchy manner are putting investors against the wall.
Indeed, i nominal yields, already close to zero - if not even negative in the worst case scenarios - are heavily compromised by reflationary pressures. This is even more true for the conservative asset allocation, since, as is known, the return is directly proportional to the risk assumed.
Savings Bonds, Government Bonds and ETFs: All Investment Opportunities
A valid aspect for any type of investor is that the allocation of their capital is consistent with the personal risk profile, so that a plausible return can be achieved, within a coherent time horizon.
Of course, understand where to invest today, especially in light of the current economic situation, it can be rather complicated, which is why it is a good idea to delve deeper into the various opportunities that can be caught.
For example, one of the types of investment that has always been favoured by traditional savers is that of Savings bonds -placed exclusively by Poste Italiane- which, however, being an almost risk-free asset, offers almost no return. The same goes for Government bonds, as the yield curve is currently flat across nearly all maturities.
Leaving aside the deposit accounts, which cannot be considered a real form of savings, but a management of liquidity, there are various types of investments that can be subscribed to today.
An asset class that allows for adequate diversification is represented, for example, by mutual funds; in this panorama, the following stand out ETF which, passively replicating the trend of a benchmarking, have management fees that are much lower than active management. Naturally, the weights of the various asset classes in the portfolio composition must respect the saver's profile.
Stocks and Derivatives
For higher risk profiles, one can resort to Actions and Derivatives: if until not long ago these regulated markets were accessible only to large fortunes - in particular futures - recently the introduction of new financial products has allowed us to broaden the audience of users.
I CFD, for example, offer the possibility of negotiating almost all investment themes at a global level: there are Contracts for Difference on stocks, raw material, indices and even on the most recent ones cryptocurrencyBrokers offering this type of trading also have the advantage of being easily accessible and, in most cases, do not require management costs.
Alternative Investments
Many savers are looking for alternative forms of investment, to further diversify one's assets. This is precisely why they are in vogue today. new trends, which concern the purchase of works of art, watches, and precious objects.
However, venturing into this sector can be very risky since, as there is no official reference price list for these objects, the investment could turn out to be little liquid and difficult to achieve quickly.
Furthermore, in this type of activity, it is necessary to make use of the expert advice in the sector, to avoid the risk of incurring possible scams or frauds.
Start-ups and real estate
Another aspect to consider is that today technology has facilitated the birth of new forms of investment or revolutionized the ways of accessing traditional forms of savings.
Just think of the platforms of through crowdfunding, which, through the creation of financial vehicles, allow the funds of small investors to be channeled into a single container to access sectors that would otherwise be closed to them.
This is how you can bet on the possible success of new start-up or on bricks and mortar, even if you don't have the capital to purchase a property; in fact, this solution makes the asset more liquid and diversified.
Changes and revisions to this article
- Article updated on 25/11/2025 at 15:45 - Content updated
- Article updated on 02/12/2025 at 14:33 - Article revised
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