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The reduction in the Livret A rate is currently arousing particular interest among savers. Indeed, although it may seem unfavorable for the holders of this investment, it can represent an interesting financial opportunity.
Due to inflation and rate revision mechanisms, this reduction could increase the purchasing power of savers, according to Capital. Understanding the implications of this development is therefore essential for those who want to maximize the returns on their savings.
Livret A: very popular investment in France
For many years, savings products have played a very important role in the financial management of the French. These financial tools allow individuals to put money aside for future projects or to face unforeseen events.
In any case, in France, the choice is wide for investing your money. And among the most popular, we know the Livret A, which offers numerous benefits to its userss.
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Livret A: risk-free investments that will bring more returns to savers this year
More than 80% of French people currently use this placement. Not only is it secure, but it also exempts from tax the interest generated by the sums deposited in the booklet.
And that’s not all. The Livret A is also very accessible, being able to be used by everyone whatever the age of the saver. Also, it offers an attractive interest rate, offering an excellent opportunity for those who want to prepare for the future or finance a project.
It is interesting to note that since last year its interest rate has not changed. In fact, the government has decided to freeze it at 3% until February 2025.
What the drop in the investment rate represents for savers
However, this stability will not last. The Livret A rate will fall this year. The government decided to set it at 2.5% for the next six months. And this until August 1, 2025, the date of its next revision.
Apparently, this reduction would serve a double objective for the State, according to the director of the Cercle de l’Epargne think tank, Philippe Crevel. In particular, it will boost consumption to stimulate growth and tax revenue. Also, it would provide support for a construction sector in crisis.
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On this subject, Philippe Crevel declared:
“Eric Lombard’s objective, like that of his predecessors, is for there to be a little more consumption and a little less saving. »
At first glance, this drop in the investment rate can be considered bad news for household savings. But in reality, it will bring more to savers this year, compared to the year 2024, according to Capital.
Let’s take the figures into account: last year, your Livret A earned you 3%, with an inflation rate of 2%. Information confirmed by INSEE and relayed by MoneyVox.
If we do the math, his “real” return was therefore 1%. Which is less advantageous compared to the situation in 2025.
Indeed, it turns out that this year, INSEE still anticipates inflation of 1% for the first quarter. With the drop in the rate of 2.5%, the real return on your Livret A would thus increase by 1.5%.
Source : Capital
