Regulated booklets: similar but more advantageous solutions
The Popular Savings Booklet (LEP): an unbeatable rate for those eligible
The LEPreserved for households whose reference tax income is below a certain threshold, offers a rate much higher than that of the Livret A. 2025it should be set to 3 %i.e. more attractive net profitability.
Advantages of LEP:
- Advantageous rate : Higher than that of Livret A.
- Security and liquidity : The funds are guaranteed by the state and available at any time.
- Attractive taxation : Exemption from taxes and social security contributions.
Check your eligibility with your bank so as not to miss out on this opportunity.
The Sustainable and Solidarity Development Booklet (LDDS): a classic alternative
The LDDSwith a rate identical to that of the Livret A (2,5 %), remains a useful option for diversifying your savings while supporting sustainable projects. Although it does not offer better efficiency, it can effectively complement a LEP.
Life insurance in euro funds: secure and cost-effective
L’life insurance in euro funds constitutes a solid alternative for those looking for a secure product, while accepting a slightly higher return.
Why choose euro funds?
- Capital guarantee: Your savings are protected, with constant returns.
- Competitive returns: Euro funds are expected to offer returns in 2025 of between 2,5 % et 4 % for the best contracts.
- Flexibility: You can recover your savings at any time.
What it takes to watch :
- THE management feeswhich can reduce performance.
- Taxation applicable after 8 years, even if it remains advantageous.
Opt for efficient contracts, often offered by online banks or specialized insurers, to maximize your gains.
SCPIs: attractive real estate returns
THE Civil Real Estate Investment Companies (SCPI) are a way to benefit from the advantages of real estate without having to buy a property directly. With an average yield of 4,5 %or even up to 11 % for some, they far surpass Livret A.
What you need to know before investing:
- Benefits :
- Attractive returns.
- Diversification in professional real estate.
- Disadvantages:
- Limited liquidity: the money is blocked over several years.
- Heavy taxation: property income is subject to income tax and social security contributions (17.2%).
Invest in SCPIs via life insurance to benefit from more advantageous taxation.
Obligations: a compromise between security and performance
Investing in bonds, particularly government or corporate bonds, is an interesting solution for those looking for higher returns while limiting risks.
What returns to wait for ?
- Government bonds: Low but secure yield (around 2 %).
- Corporate bonds: Higher yields (4% to 7%), but with a risk of default.
Why Bonds Can Outperform Booklet A?
- They offer predictable returns.
- Corporate bonds make it possible to capture better performance than regulated investments.
Diversify your portfolio between government and corporate bonds to balance risk and return.
Alternatives to Booklet A
| Placement | Average yield | Risque | Liquidity | Taxation |
|---|---|---|---|---|
| Booklet A | 2,5 % | None | Very high | Tax exempt |
| LEP | 3 % | None | Very high | Tax exempt |
| Life insurance (euro funds) | 2.5% to 4% | Very weak | Good | PFU and social security contributions |
| SCPI | 4.5% to 11% | Moderate | Low (blocked capital) | Taxed land income |
| Corporate bonds | 4% to 7% | Moderate | Average | PFU at 30% |
Towards judicious diversification for your savings
The drop in the Livret A rate in 2025 may be an opportunity to reorganize your savings and explore more efficient alternatives. Whether you favor the security of regulated savings accounts or the attractiveness of SCPIs and bonds, the main thing is to choose investments adapted to your needs and objectives.
Diversify your portfolio by combining several of these solutions to leverage their respective strengths. You will thus benefit from optimized returns while limiting the risks associated with each product.
