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The Livret A is undoubtedly the preferred savings solution for the French. Most households have it because of its many advantages for growing savings. But for 2025, things could change. What can I do to continue saving effectively? Answers!
Change in rate for Livret A
The year 2025 does not bring good news for holders of a Livret A account. This savings product offered an attractive interest rate until then. As we speak, it is still 3%which allows savers to make an attractive profit. But things could change in the coming months!
Note that the interest rate on Livret A fluctuates depending on different factors. Inflation is one of them. And while the latter has been in constant decline for some time, this savings product is suffering the consequences. In fact, the interest rate frozen until January 2025 will no longer necessarily be the same. A change that you will have to prepare for so as not to lose money.
This reduction in the Livret A rate is planned for the month of February 2025. Note that inflation was 5% before beginning its meteoric decline. For the coming year, experts estimate a rate of 2%. Thus, the remuneration of this savings product will follow the pace and drop considerably.
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What to do if you have reached the ceiling?
With good financial management, some people easily reach the Livret A limit. If this is your case, it is better to opt for a savings product. Experts recommend in particular turn to the LDDS or sustainable and inclusive development booklet. Its rate will be 3% until January 2025 and despite the drop, it remains very attractive.
But there is also the Housing Savings Plan or PEL. The rate of this savings product is 2%. If you subscribe before the planned reduction for Livret A, you will gain a certain stability in its remuneration. The latter is ideal for medium or long term savings. We should therefore not neglect its advantages.
If you have reached the Livret A ceiling, you can also turn to life insurance. This savings option is lower risk but also opens doors to investments in euro funds or units of account. There is also term accounts which have a certain advantage.
When should you act if you have an A booklet?
The Livret A continues to be an interesting solution for saving despite the upcoming drop in interest rates. If you want to get more benefits or simply invest your money differently, you need to act quickly. So place the excess in one of the other savings products mentioned above before January 2025.
Subscribing to savings other than Livret A allows you to grow your money more effectively. Depending on your objective and the risks you are willing to take, there are various solutions! Savers should therefore not hesitate to obtain information on the subject regularly.
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