Do you want to know what Treasury Certificates are and how much they yield? This is a great investment that replaced the Savings Growth Treasury Certificates.

Thus, the return on this investment is annual and the rate is fixed, changing according to the time your money remains invested over seven years.

Furthermore, Savings Value Treasury Certificates were introduced in 2021. Therefore, compared to the CTPC, it is much more attractive and in line with interest rates and GDP growth.

Are you curious to find out more information about Treasury Certificates? Let's find out exactly how they work!

Firstly, Treasury Certificates are a savings instrument in which you acquire part of Portugal's debt. In other words, the money is loaned to the State and returned to you with interest.

Thus, the risk is very low, as the State guarantees the return of the money. Therefore, as we have already said, interest rates have a completely fixed value.

In other words, the rate increases according to the time you spend earning. Thus, the investment encourages you to leave the money until the end of the time limit, to make the savings worthwhile.

This is an easily accessible and very popular investment among all types of people. However, they have lower liquidity than other types of investments. Furthermore, there are no charges for subscribing.

Investments in Treasury Certificates have a maximum duration of seven years. Furthermore, you can withdraw your money from the investment from the first year of the subscription. And this withdrawal can be total or partial.

However, if you withdraw the money before completing your “birthday”, you lose the right to interest for that year. In other words, interest is paid annually.

Therefore, it is important to plan to leave the money retained for all seven years and be able to really profit from this investment.

Furthermore, this is an investment that does not capitalize interest. In other words, the interest money does not return along with the amount invested, but goes directly to your account!

Treasury Certificates present broad possibilities when it comes to subscription amounts.

The nominal value is 1 euro, but you need to purchase a minimum of a thousand units, i.e. 1,000 euros. Furthermore, the maximum is one million units. In this case, one million euros.

Treasury Certificates yield between 0.7% and 1.6%. Thus, the interest value increases as the years pass.

Furthermore, check out a list with changes in interest rates depending on the time you leave your money investing.

Thus, the average interest is 1% at the end of the seven years. Plus, the longer you stay, the more money you'll make. These are mechanisms to encourage you to continue with the investment.

This way, interest is calculated per year and is sent directly to the bank account linked to your Savings Account. This is a practical action, as you do not need to perform a rescue.

Additionally, there are benefits involved with the fees. From the third year onwards, this premium is 20% of GDP growth in the last four months. However, this value cannot exceed 1.5%.

Treasury Certificates are easy to acquire and yield well. Want to learn more? So stay tuned.

One of the positive points of Treasury Certificates is that, as previously stated, there are no related charges. You only use the money for investment.

In fact, you will need to have a Savings Account to subscribe and make financial withdrawals.

Furthermore, you can subscribe at any time, depending only on the opening hours of the places where the subscription is made. Remember that the first subscription must be made in person!

There are two places you can make your request in person. The first is at CTT counters. The second is in Citizen Spaces.

So, research which ones are closest to your address and check their opening hours. Furthermore, in-person forms carry out your subscription instantly!

You will need the following documents for your application:

On the other hand, you can subscribe online. In this case, you must already be subscribed to a Savings Account. In addition, you must have already purchased your first Treasury Certificates.

Thus, you can carry out the entire process through AforroNet on the IGCP website. If you don't already have a registration, just register on the platform. This takes a few minutes.

Furthermore, you can subscribe at any time, without leaving your home. See how simple it is?

Did you enjoy learning more about Treasury Certificates and how much they yield? But, there are other simple ways of investing for you.

So, have you heard about Savings Certificates? These are great investments, with zero risk and flexible liquidity. This is also a type of loan for the Portuguese State.

So, you can subscribe to your Aforro Account and start investing, it's very simple and has no additional costs. Want to know more? So, how about checking out a step-by-step guide on how to subscribe to a Savings Account?

Click on the link below and discover all the details to make an investment in these Certificates!