Livret A and regulated investments: always a safe choice
The Booklet Aunbeatable among the preferred investments of the French, maintains a rate of 3 % brut since February 2023. This return, completely tax-free, remains attractive for a risk-free product. However, a decline is expected in February 2025, with an estimated rate around 2,5 %.
Other regulated investments in November 2024
- Sustainable and Solidarity Development Booklet (LDDS) : Identical to Livret A, it also offers 3 % brut tax free.
- Popular Savings Booklet (LEP) : Reserved for low-income households, it remains unbeatable with a rate of 4 % brutalso tax-exempt.
- Housing Savings Plan (PEL) : Currently at 2,25 % brutbut subject to the single flat tax, which reduces it to 1,58 % net after tax.
| Product | Gross rate | Net rate after tax | Benefits |
|---|---|---|---|
| Booklet A / LDDS | 3 % | 3 % | Risk-free, tax-free |
| Popular Savings Account | 4 % | 4 % | Reserved for low-income households |
| Housing Savings Plan | 2,25 % | 1,58 % | Stable yield |
If you are eligible for LEP, choose this investment for a return higher than inflation.
Classic bank books and super-books: short-term alternatives
THE traditional bank booksalthough offering great flexibility, display very low returns. On average, they report 0,93 % bruteither 0,66 % net after flat tax. However, the super booklets boosted, offered by certain online banks, offer interesting promotions with rates of up to 4,5 % brut over a limited period.
Should we let ourselves be seduced by the super-booklets?
These booklets are ideal for temporarily investing funds, but be careful: the boosted rates often only last a few months. Once this period has passed, the return falls to a standard rate, generally lower than 2 % brut.
| Product | Gross rate | Net rate after tax | Duration of the boosted rate |
|---|---|---|---|
| Classic booklets | 0,93 % | 0,66 % | Non applicable |
| Super-boosted booklets | Up to 4.5% | 2,8 % | About 3 to 6 months |
Check the conditions of the promotions and the duration of the boosted rate before subscribing.
Term accounts: block to win better
THE term accounts offer a guaranteed return in exchange for locking in funds for a fixed period of time. In November 2024, their average rate for a duration of two years or less is 3,51 % bruteither 2,28 % net after taxation.
Account Examples attractive term
- Over 6 months : BoursoBank offers 3,10 % bruteither 2,17 % net.
- Over 12 months : Distingo Bank offers a rate of 3 % bruteither 2,10 % net.
Term accounts are suitable for savers who do not need immediate liquidity. Compare rates and choose a term that suits your needs.
Life insurance: a versatile placement
L’life insuranceparticularly via funds in euros, remains an attractive solution for securing part of your savings. The average yield expected in 2024 is 2,5 % brutor approximately 2,07 % net after social security contributions. This investment also allows access to units of account for potentially higher returns, although risky.
Advantages of the euro fund:
- Warranty and capital.
- Annual interest without risk of loss.
Disadvantages:
- Return below inflation.
- Compulsory social contributions.
How to choose the best investment for November 2024?
1. Determine your priorities
If you are looking for security, opt for a Booklet Aand LDDS or a LEP. If you are ready to block your funds, the term accounts can be more profitable.
2. Diversify your investments
To maximize your earnings, combine several solutions: for example, a Livret A for available savings and a term account for guaranteed returns.
3. Monitor progress rates
With the expected drop in regulated rates at the start of 2025, it may be wise to secure your investments now.
Opportunities to enter before 2025
In November 2024, savers still have the opportunity to benefit from attractive returns, in particular thanks to the Livret A, the LEP and the boosted super-livrets. For medium-term projects, term accounts and life insurance offer suitable solutions. By intelligently diversifying your investments, you can optimize your returns while securing your savings against inflation.
