FINLAND TF 1,5% ST32 EUR
FI4000523238
Republic of Finland, Bonds / Suomen valtio JVK:tForeign governmentMOT
- Last price
- 89.08
- as of 16/10/2026
- Gross yield
- 3.58%
- Net yield
- 3.15%
- Maturity
- 15/09/2032
- 5y 11m
Simulation for information and education only, computed automatically from the values entered. It is not financial advice, nor a recommendation or solicitation to buy or sell. Prices and data may be inaccurate or out of date: always check with your broker and the bond documentation and, if needed, consult a licensed adviser.
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Change the values: every figure updates at once. The page link keeps the simulation.
- Settlement amount
- €9,812.64
- Net gain at maturity
- €1,903.43
- Net yield
- 3.15%
- Gross yield
- 3.58%
Order details
- Settlement date
- 20/10/2026
- Purchase price (clean)
- 89.08
- Nominal value
- 11,000
- Clean value
- €9,798.80
- Gross accrued interest
- €15.82
- Tax credit on accrued interest
- -€1.98
- Commissions
- €0.00
- Settlement amount
- €9,812.64
Yields and duration
| Gross | Net | Net without capital gain tax | |
|---|---|---|---|
| Annual yield | 3.58% | 3.15% | 3.38% |
| Modified duration | 5.48 | 5.51 | 5.49 |
The last column applies when the capital gain is offset by earlier capital losses.
Outcome at maturity
- Gross coupons
- €990.00
- Tax on coupons
- -€123.78
- Redemption of the nominal
- €11,000.00
- Capital gain
- €1,201.20
- Capital gain tax
- -€150.15
- Net gain at maturity
- €1,903.43
Cash flows
| Date | Description | Amount |
|---|---|---|
| 20/10/2026 | Payment of the price | -€9,798.80 |
| 20/10/2026 | Gross accrued interest | -€15.82 |
| 20/10/2026 | Tax credit on accrued interest | €1.98 |
| 15/09/2027 | Gross coupon | €165.00 |
| 15/09/2027 | Tax on the coupon | -€20.63 |
| 15/09/2028 | Gross coupon | €165.00 |
| 15/09/2028 | Tax on the coupon | -€20.63 |
| 15/09/2029 | Gross coupon | €165.00 |
| 15/09/2029 | Tax on the coupon | -€20.63 |
| 15/09/2030 | Gross coupon | €165.00 |
| 15/09/2030 | Tax on the coupon | -€20.63 |
| 15/09/2031 | Gross coupon | €165.00 |
| 15/09/2031 | Tax on the coupon | -€20.63 |
| 15/09/2032 | Gross coupon | €165.00 |
| 15/09/2032 | Tax on the coupon | -€20.63 |
| 15/09/2032 | Redemption of the nominal | €11,000.00 |
| 15/09/2032 | Capital gain tax | -€150.15 |
| Net gain at maturity | €1,903.43 | |
It is the sum of all the movements: €11,991.98 received (coupons, redemption, tax credit on accrued interest) minus €10,088.55 paid (price, accrued interest, commissions and taxes) = €1,903.43. It is what you earn in euro, after tax, if you hold the bond to maturity; if negative, you lose money.
How it is calculated
- Accrued interest uses the ACT/ACT ICMA convention: the buyer pays the gross accrued interest and receives the credit for the tax withheld on that part of the coupon.
- Taxes of the Italian administered regime, 12.5% on coupons and capital gain (12.5% for government and supranational bonds, 26% for the others). Commissions are part of the purchase cost. Stamp duty and issue discount are not considered.
- Yields are annual compound rates (IRR) of the cash flows, actual days/365, with the bond held to maturity and coupons not reinvested.