Ideal financial instruments for short-term investments, i.e. for periods between 12 and 18 months, include savings accounts (or current accounts), timed deposits or fixed-term deposits with durations that can be shorter than 30 days, Italian treasury bills, government debt securities with a duration of 12 months or less or up to 18 months, multi-year treasury bills with a remaining duration of 12 to 18 months and government bonds from countries with a high credit rating (i.e. “creditworthiness”) such as “AAA”, especially in the euro zone, in order to avoid currency risks.
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