Understand the differences between prices fixed and indexed rate
Before comparing, it is essential to understand what each option entails:
| Characteristic | Fixed rate | Indexed rate |
|---|---|---|
| Definition | Price locked for the entire duration of the contract | Prices changing according to regulated prices or the market |
| Main advantage | Protection against price increases | Immediate impact of reductions on your bill |
| Typical duration | Between 1 and 4 years old | Generally without commitment period |
| Ideal for | Those seeking fiscal stability | Those who want to profit from market fluctuations |
Fixed rates provide budgetary security, while indexed rates make it possible to follow market developments, whether positive or negative.
Expected evolution of energy prices in 2025: a favorable context
The year 2025 promises to be a period of respite for energy consumers:
- Electricity: A reduction of at least 10% in the regulated tariff is planned from February 2025, thanks to the stabilization of electricity prices on wholesale markets.
- Gaz : Natural gas prices are expected to continue their decline, with an expected reduction of almost 50% compared to 2023.
In this context, indexed rates seem particularly attractive, because they quickly pass on these reductions to your bills.
The advantages and limits of the two options
Why choose a fixed rate?
The fixed rate appeals with its stability, ideal for those who want to avoid unpleasant surprises:
- Protection against surges: In the event of an energy crisis or sudden increase in regulated prices, your price remains unchanged.
- Predictable budget: You know exactly how much you will pay for energy, which makes financial management easier in the medium or long term.
However, this stability comes at a cost. If energy prices fall, you won't be able to benefit from them. In addition, fixed-rate contracts often impose a minimum commitment period, which can be restrictive for households likely to move.
Why opt for an indexed rate?
The indexed rate offers greater flexibility, with prices that follow market fluctuations:
- Potential savings: During periods of falling prices, such as those expected in 2025, your bills will be directly reduced.
- No long-term commitment: These offers generally have no contractual duration, allowing you to easily change supplier if necessary.
On the other hand, the indexed rate is more risky. If prices rise, your bill will immediately increase, which can unbalance your budget.
How to make the right one choice in 2025?
The choice depends mainly on your situation and your priorities. Here are some criteria to take into account:
- Your energy consumption:
- If you are a heavy consumer, an indexed rate may be more advantageous during periods of falling prices.
- If your consumption is low or moderate, a fixed rate can offer peace of mind without major variations on your bill.
- Your risk tolerance:
- Prudent profiles will prefer a fixed price to avoid unexpected increases.
- More flexible consumers will rely on an indexed price to take advantage of the reductions.
- Your residential horizon:
- If you plan to move in the next 1 to 2 years, opt for an indexed rate.
- If you are stable over several years, a fixed contract may be wise.
Maximize your savings with simple tools and habits
Whatever your choice, you can reduce your bill even further thanks to a few best practices:
- Use an offer comparator: Regularly check the prices offered by different suppliers to ensure you benefit from the best conditions.
- Optimize your consumption: Invest in energy-efficient appliances and monitor your daily uses.
- Monitor market fluctuations: If you opt for an indexed rate, keep an eye out for variations to adjust your contract if necessary.
A key decision for your energy budget
In 2025, the choice between a fixed rate and an indexed rate will depend on your priorities: stability or short-term savings. With planned cuts in electricity and gas prices, indexed offers appear to be the most profitable bet. However, for those who prioritize financial peace of mind, a fixed-rate contract remains a solid option, especially in times of uncertainty.
What if this year became an opportunity to rethink your energy consumption as a whole? Whether through contract choices or everyday actions, every action counts to reduce your expenses and your environmental impact.
