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For certain beneficiaries, closing their PEL becomes an emergency. Indeed, nearly 7 million French people have just a few days to make this crucial decision. If you are in this situation, then now is the time to take matters into your own hands.
But why such an approach? Who is affected? And, also, what concrete actions should we undertake? The following lines will provide the answers to these questions.
The particularity of the PEL
The PEL remains a preferred investment for the French. As proof, the Banque de France has identified in 2024 nearly 11.3 million holders. This success is obviously not a coincidence! This regulated booklet combines advantages which make it a wise choice for many households.
But the PEL has a unique characteristic that makes all the difference: its fixed interest rate from opening. Unlike the Livret A or the LEP, whose rates vary regularly, this investment guarantees a stable remuneration for life.
To have
These old PELs about to lose their advantage? What to expect
Savers who opened a PEL in 2023 benefit from a rate of 2% forever. But in 2024, this rate increases to 2.25% for new subscribers according to the website Service Public. So, despite this novelty, the rate remains unchanged for the former.
A bearish trend for the PEL
The PEL may well seduce with its stability. However, its rate history reveals a downward trend. This progressive erosion is not trivial and deserves our attention.
In the 1980s, the PEL was a dream with a remuneration rate reaching 4.6%. But the tide has turned! From 2000, new accounts were satisfied with a rate of 3.27%. A notable regression took place between 2003 and 2015, a period when the rate stabilized at 2.5%.
The real bottom of the wave? It is between February 2016 and December 2022, with rates oscillating between 1% and 1.5%. This period indeed marked a clear decline in financial interest of this placement.
An opportunity not to be missed
For PEL holders who have experienced a interest rate between 1% and 1.5%an opportunity presents itself.
To have
Taxes: pay attention to this levy which will fall on December 27 for these French people
Since January 1, 2024, the rate has increased, now reaching 2.25%. This is an attractive offer for those who opened their account between 2016 and 2022. On the other hand, these beneficiaries must close their account to open a new one.
To better understand, let’s take another example of JDN on a person with 25,879 euros in their account. For a rate of 1% or 1.5%, his annual gain would only be 258 or 388 euros.
On the other hand, by opening a new PEL at 2.25%the gain increases to 582 euros. A significant difference, especially for those looking to maximize their savings.
Only a few days left to act!
If you wish take full advantage of the 2.25% PE interest rateNow is the time to act. In fact, you only have a few days left to seize this opportunity. Don’t postpone your decision until 2025!
Why this urgency? The economic forecasts are not in your favor. Inflation has slowed in recent months, and experts therefore anticipate a drop in the PEL rate next year.
There are only a few days left to take advantage of the current rate. Don’t miss this opportunity and act now to optimize your savings.
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