I piani di accumulo ( PAC ) – Tutto quello che c’è da sapere.
Cosa si intende per Piano di Accumulo Capitale (o PAC)?
Conviene agli investitori questa tipologia di investimento?
DEFINIZIONE
Operativamente i Piani di Accumulo di Capitale permettono al risparmiatore di accedere all’investimento attraverso versamenti periodici di capitale. Nella pratica l’investitore apporta all’investimento somme costanti, a scadenze regolari e per un periodo di durata predeterminata, per acquistare (o sottoscrivere nel caso di un fondo) una quantità di strumenti che sarà quindi diversa ad ogni versamento.
Così facendo il capitale investito dal risparmiatore, in termini complessivi, cresce in modo graduale nel tempo.
Anche guardando i primi dati del 2018, il piano di accumulo si rivela una soluzione sempre più popolare tra i risparmiatori e le famiglie italiane.
I VANTAGGI
- grazie alla sua flessibilità e alla possibilità di predeterminare la cifra da versare un Piano di Accumulo è spesso preferito dai risparmiatori che non hanno grandi cifre da investire e possono invece contare su entrate stabili e sicure;
- un altro vantaggio – di natura più psicologica e comportamentale – è quello di “costringere” l’investitore all’accantonamento di una somma in modo costante;
- la possibilità di riscattare il proprio capitale in qualunque momento, eventualmente pagando una commissione ma senza penali.
DIFETTI E COSTI
Il maggior limite di un Piani di Accumulo risiede nel fatto che dopo un certo periodo di tempo, l’acquisto delle nuove quote del fondo inizia ad incidere molto poco sulla media del prezzo. Così se lo strumento in cui si investe dovesse incontrare una fase decisamente ribassista dopo un certo numero di periodi (e quindi il controvalore dello strumento sarebbe rilevante) la perdita dell’intero investimento potrebbe essere importante.
Sul versante dei costi va segnalato che solitamente, oltre alle spese tipiche dell’attività oggetto del Piano di Accumulo (sottoscrizione e gestione), il risparmiatore sostiene degli oneri legati al sistema dei versamenti come dei diritti fissi per ogni apporto (da valutare, specie sui versamenti più bassi), spese postali e/o amministrative.
COME SCEGLIERE AL MEGLIO IL PIANO DI ACCUMULO?
Ma come orientarsi tra le numerose soluzioni che si trovano sul mercato per trovare l’investimento davvero più adatto a te?
La prima cosa di cui ti devi accertare per evitare di fare scelte sbagliate sono i costi. “I costi del tuo investimento sono la componente che nel lungo termine può fare davvero la differenza. Nell’industria del risparmio gestito le commissioni applicate dagli intermediarie sono spesso molto difficili da notare per il risparmiatore. Nel caso del PAC per esempio, molte banche o società di gestione applicano dei costi di transazione, magari anche di pochi euro. Questo esborso, anche se può sembrare irrilevante, può diventare un costo ingente se ripetuto per ogni versamento”. L’ultimo consiglio che la società è quello di avere ben chiari i propri obiettivi. Solo così si potrà elaborare il Piano migliore per raggiungerli.
Alcune Società di gestione italiane hanno già ampliato la propria offerta adeguandola soprattutto ai giovani e ai Millenials. AcomeA SGR ha lanciato già due anni fa Gimme5, l’unica app che consente di risparmiare e investire a partire da 5 euro. Si tratta di una innovativa modalità di sottoscrizione con la quale si può liberamente alimentare un piano di accumulo senza alcun vincolo di durata, importo o ricorrenza dell’investimento, direttamente dal proprio smartphone. Altro esempio è la startup Moneyfarm nata proprio con l’obiettivo di dar vita ad uno strumento che permetta di iniziare un percorso solido di risparmio. Sottoscrivibile direttamente online tramite qualunque device, il fondo ha commissioni d’ingresso davvero minime: per accedere è sufficiente un investimento iniziale a partire da 100 euro.
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook
You made some decent points there. I looked on the internet to learn more about the
issue and found most individuals will go
along with your views on this web site.
part-time therapy jobs
Cut-throat affiliate marketing tactics for dominating the beauty industry therapist freelance opportunities for
extra cash
making money on the side as a retired healthcare provider
An impressive share! I’ve just forwarded this onto a friend
who has been doing a little research on this.
And he in fact bought me lunch simply because I found it for him…
lol. So allow me to reword this…. Thank YOU for the meal!!
But yeah, thanx for spending some time to discuss this subject here on your site.
At this moment I am ready to do my breakfast, afterward having my breakfast coming over again to read further news.
Yes! Finally someone writes about Understanding male pattern baldness.
Does your blog have a contact page? I’m having trouble locating it but,
I’d like to send you an e-mail. I’ve got some creative ideas for your
blog you might be interested in hearing. Either way, great website and I look forward to seeing it develop over time.
This is a good tip especially to those fresh
to the blogosphere. Short but very precise information… Many thanks for sharing this one.
A must read post!
I don’t even know how I stopped up right here, however I thought
this post used to be great. I don’t understand who you are but
certainly you are going to a well-known blogger in case you aren’t already.
Cheers!
Pretty section of content. I just stumbled upon your website and in accession capital to assert that I get in fact
enjoyed account your blog posts. Any way I’ll be subscribing to your feeds and even I achievement
you access consistently quickly.
Amazing! This blog looks just like my old one! It’s on a entirely different
topic but it has pretty much the same layout
and design. Wonderful choice of colors!
Nice blog! Is your theme custom made or did you download it from somewhere?
A theme like yours with a few simple adjustements would really
make my blog shine. Please let me know where you got your design. Bless you
Hey would you mind letting me know which web host you’re utilizing?
I’ve loaded your blog in 3 completely different browsers and I
must say this blog loads a lot quicker then most. Can you suggest a good hosting provider at a
honest price? Thanks, I appreciate it!
Hi would you mind letting me know which hosting company you’re
working with? I’ve loaded your blog in 3 completely different
browsers and I must say this blog loads a lot quicker then most.
Can you recommend a good hosting provider at a honest price?
Thank you, I appreciate it!
I think the admin of this web page is really working hard in favor
of his website, for the reason that here every data is quality based material.
You are so awesome! I do not suppose I have read through
anything like this before. So great to discover somebody with a few genuine thoughts on this issue.
Really.. many thanks for starting this up. This
web site is something that is needed on the web, someone with some originality!
I’m not sure where you are getting your information, but good
topic. I needs to spend some time learning more or understanding more.
Thanks for great info I was looking for this info for my mission.
Superb site you have here but I was curious about if you knew of any community
forums that cover the same topics talked about here?
I’d really love to be a part of group where I can get responses from
other knowledgeable individuals that share the same interest.
If you have any suggestions, please let me know. Kudos!
Hi, the whole thing is going well here and ofcourse every one is
sharing facts, that’s genuinely good, keep up writing.
Wow that was odd. I just wrote an extremely long
comment but after I clicked submit my comment didn’t appear.
Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say great blog!
I was wondering if you ever considered changing the structure
of your site? Its very well written; I love what youve got to say.
But maybe you could a little more in the way of content so people could connect with it better.
Youve got an awful lot of text for only having 1 or 2 images.
Maybe you could space it out better?
You’ve made some decent points there. I looked on the internet for more info about the issue
and found most people will go along with your views on this site.
Right here is the right blog for anybody who wishes to find out about this topic.
You realize a whole lot its almost hard to argue with you (not that I personally will need
to…HaHa). You definitely put a new spin on a subject
which has been written about for many years.
Wonderful stuff, just excellent!
After exploring a number of the blog posts on your web site, I seriously appreciate your
way of writing a blog. I book-marked it to my bookmark site list and will
be checking back soon. Please check out my web site as well and let me know
your opinion.
You could certainly see your enthusiasm within the article you write.
The arena hopes for more passionate writers like you who are not afraid
to say how they believe. All the time go after
your heart.
Yes! Finally someone writes about Understanding male pattern baldness.
My coder is trying to persuade me to move to .net from PHP.
I have always disliked the idea because of the costs.
But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am anxious about switching
to another platform. I have heard fantastic things about blogengine.net.
Is there a way I can import all my wordpress posts into it?
Any kind of help would be greatly appreciated!
This post provides clear idea designed for the
new visitors of blogging, that in fact how to do blogging and site-building.
It’s impressive that you are getting thoughts from this paragraph as well as from our
argument made at this place.
What’s up, its nice paragraph regarding media
print, we all be aware of media is a enormous source of information.
I really love your blog.. Great colors & theme. Did you make this
site yourself? Please reply back as I’m wanting to create my own blog and
would like to learn where you got this from or what the theme is named.
Many thanks!
Saved as a favorite, I love your blog!
Magnificent beat ! I would like to apprentice
while you amend your site, how can i subscribe for a blog website?
The account aided me a acceptable deal. I had been tiny bit
acquainted of this your broadcast offered bright
clear concept
Non avrei mai pensato di postare questo messaggio. È successa una cosa grandiosa che ha cambiato il mio mondo. Ho ottenuto un prestito, ho pagato con successo i miei debiti, la vita ora è bella. Ero indebitato, avevo bisogno di soldi urgentemente e diverse aziende online che ho contattato mi hanno truffato del poco che avevo. La mia amica Emilia mi ha consigliato Westlake Loan, quindi ho fatto domanda e ho firmato il loro contratto con un avvocato e questo è stato tutto. Se hai bisogno di un’azienda onesta di cui ti puoi fidare per richiedere un prestito, ti consiglio vivamente di contattare Loanwestlake@gmail.com
telegram___https://t.me/loan59
medicamentos expédié rapidement vers la Belgique RIA De Meern médicaments sans effets
secondaires
precio de medicamentos en Suiza Pfizer Altdorf medicijnen zonder gezondheidsrisico
Medikamente in München ohne Rezept kaufen Interpharm Trois-Rivières medicamentos disponible en Italia
Nice blog right here! Additionally your website quite a bit up very fast!
What web host are you the use of? Can I get
your affiliate hyperlink for your host? I desire my web site loaded up as fast as yours lol
Hi there! I just wanted to ask if you ever have any problems with hackers?
My last blog (wordpress) was hacked and I ended up losing many months of hard work
due to no data backup. Do you have any solutions to prevent
hackers?
Awesome! Its truly awesome paragraph, I have got much clear idea concerning from this piece of writing.
Sweet blog! I found it while browsing on Yahoo News.
Do you have any suggestions on how to get listed in Yahoo News?
I’ve been trying for a while but I never seem to get there!
Thanks
Commandez médicaments sans prescription Abacus San Sebastián Medikamentenbestellung
Admiring the hard work you put into your blog and in depth information you provide.
It’s nice to come across a blog every once in a while that isn’t
the same outdated rehashed information. Fantastic read!
I’ve saved your site and I’m adding your RSS feeds to my
Google account.
заработок онлайн без сайта работа на дому в чехове
для женщин без вложений работа для инженера строителя удаленно
заработай онлайн с нами
күз табиғаты, күз туралы әдемі сөздер әке бар үйде береке бар, әке
туралы тақпақтар текст велосипед центурион отзывы,
велосипед купить основные правила грамматики русского языка,
грамматика русского языка для школьников
nice
Only legends will survive Are you up for the challenge Hawkplay
If some one needs to be updated with most up-to-date technologies afterward he must be pay a visit this website and be up to date
every day.
Squad goals: Victory Royale! Lucky cola
Simply want to say your article is as amazing. The clarity
on your post is simply spectacular and that i could think you
are a professional on this subject. Fine along with your permission allow me to grab
your RSS feed to stay up to date with drawing
close post. Thank you one million and please continue the enjoyable work.