Many French people are losing interest in the Livret A. And for good reason, savers know that its rate will fall from next year. It is therefore a savings product that will no longer be interesting for many. Fortunately, there are other preferred investments.
Investments to be favored in Livret A
In 2025, the Livret A rate will once again fall below the attractive yield mark. This drop planned for February 1 is pushing many savers to turn to other, more efficient options. Several secure alternatives can do grow your savings while minimizing risks.
The Popular Savings Booklet, LEP, is an essential solution for those who wish to benefit from a higher return than that of the Livret A. Designed for low-income households, it is accessible provided they have a reference tax income less than 22,419 euros for a single person.
Although its rate has then decreased over the months, it remains the most efficient regulated option. In 2025, a further decline is expected. But she will be less marked than that of Booklet A. This shows that the LEP is a preferred choice for eligible savers.
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Money market funds remain another option for securing your savings. On the other hand, be aware that the recent drop in key rates has reduced their potential return. Before committing, it is advisable to consult a banking advisor.
The latter can help you understand the expected performance and any associated costs. For people looking for a compromise between security and return, euro funds in life insurance remain a solid alternative.
These investments guarantee the invested capital. On the other hand, they cannot always provide a fixed remuneration. In general, their yields are aligned with those of the Livret A, sometimes with a little extra advantage.
Secure choices for your finances
But it is still important to take management costs into account. And for good reason, the latter can also reduce the overall performance of the investment. To increase your savings, the real estate sector remains a place of choice.
To avoid the constraints linked to the acquisition and management of a property, Real Estate Investment Companies offer a solution that appeals. SCPIs allow you to invest in collective rental real estate without having to directly finance a property.
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The average returns are more attractive than those of Livret A. In fact, they are then around 4.5%. This makes it an option that is sure to appeal to people who want to diversify their finances.
Whether it is LEP, monetary funds, life insurance but also SCPIs, it is essential to adapt investments according to your needs and your financial goals before making a choice.
One thing is certain, diversifying your investments remains a wise strategy to maximize your returns while protecting your capital.
