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The French must prepare for a reduction in the yield of their favorite savings accounts. Those who have a Livret A almost end up forgetting that the rate changes. It must be said that it has benefited from a 3% freeze since 2023. But this freeze, from February 2025, will be a thing of the past.
Next year, the Livret A will see its rate change. However, as pointed out the experts at MoneyVoxthe evolution will be downward. In fact, the French will lose 0.5 points in February. However, this decline will also lead to a reduction in the rate of the Popular Savings Account (LEP), which should go from 4% to 3%.
Livret A: a reduction in the rate of remuneration to come
Éric Lombard, general manager of Caisse des Dépôts, has just made official the upcoming reduction in the Livret A rate. It’s the end of an era with the 3% freeze, decided in 2023 by Bruno Le Maire. In 2025, the French will have to make do with a rate of 2.5%.
The latter reflects current economic trends, notably the reduction in inflation and interbank rates. Since January, inflation has continued to slow down. For savers, this was good news. Indeed, with this slowdown in price increases, they finally had positive returns.
To have
Livret A not declared to the administration: be careful this could cost you very dearly
Livret A will not be the only savings to become less attractive. The LEP, which was at 6% in 2023, continues to fall. So, in February, its rate will be 3%. For savers, this is not good news. Unfortunately, experts MoneyVox see further. And they provide us with other important information.
Towards a second drop in August 2025?
The economic outlook for the first half of 2025 suggest a possible further reduction in rates. According to the latest INSEE projections, average annual inflation could stabilize between 0.7% and 1% from February, compared to 1.3% in the second half of 2024.
Furthermore, the €ster interbank rate, which follows the evolution of the ECB deposit rate, continues to decline. After four successive declines in 2024, this movement should continue. If these trends are confirmed, the calculation of passbook rates could result, in mid-2025, at even lower levels.
Thus, the Livret A and the LDDS could show rates lower than 2%. The current estimate tells us 1.8%. For the LEP, the fall would cause it to show a rate of 2.3%. Remember that the LEP must always be at least 0.5 points above the Livret A rate.
Bad news, but…
Certainly, the Livret A and LEP rates will fall. However, we don’t have all bad news. Indeed, these investments do not lose interest for a simple reason: their returns will remain higher than inflation.
To have
Livret A: this amount that you lost with the freezing of the rate at 3% in 2024
In other words, this means that the savings in these supports will continue to preserve, or even increase, purchasing power. We must therefore see these declines as an inevitable consequence of macroeconomic dynamics.
However, they do not call into question the interest of the Livret A, the LDDS and the LEP as secure savings solutions. Success should therefore still be there for these investments in 2025we are sure of it.
Source : MoneyVox
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