Bad news is to be expected for all citizens who have an A booklet. Indeed, Its rate will be falling from August 1, 2025 And it will be necessary to turn to other alternatives.
An interest that weakens?
In France, millions of people have turned and still turn to investments. And this, for the sole purpose of making various sums grow, while enjoying good yields.
But bad news is to be expected from August 1, 2025 for all those who have an A book. Indeed, Its rate will be in free fall and will reach low percentages.
In this way, it must be understood that this savings product has been unpleasant since the beginning of this year. And this, especially when you know that its yields have already been reduced, causing a financial loss for many savers.
But that’s not all, because False rumors circulate on the internetpretending that withdrawals will be limited to 500 euros. Which obviously causes panic for certain individuals.
Thus, all this causes a lack of interest to the booklet A. And this may be more and more substantial on August 1, When rates will be dropped.
Bad news for this savings product
In France, 57 million people have an A booklet. And they place various sums of money on it to make their savings grow.
-However, bad news will affect this investment product. Indeed, its rate will undergo a drastic fall From August 1, 2025.
It must be said that several factors explain this scenario, and it starts with inflation. The latter seems to stabilize at 0.8 % in Aprilaccording to INSEE data.
But that is not all, because the yield of the booklet has been carried out according to a formula based on the increase in prices in the previous six months. Thus, it will be the period from January to June 2025 that will be taken into account.
The rate of the booklet A in free fall from August 1, 2025
And during this time, the rise in prices excluding tobacco fell 0.7 % in February and March, then 0.8 % in April. In other words, the results will be below 1 %.
Another detail is to be taken into account and these are interbank rates. Indeed, the booklet A is also concerned by this element. And the latter experienced a sharp decline during the month of April, which could bring this savings book to yields less than 2 % during the monthly payment in August 2025.
Indeed, according to the first estimates, this financial product will offer rates of 1.7 % for all savers. And that would be able to harm millions of citizens who may lose money.
Nevertheless, it is possible to turn to other financial portfolios such as the LDDS, on which you can place 100,000 euros, or the LEP which offer larger yields. And this Although changes are not excluded.
