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The French are preparing to celebrate Christmas. A new year will begin in a few days. And, as always, changes await citizens. We're talking about millions of people, since we're going to talk about savings. However, more than 57 million people have a Livret A, for example.
Between rate adjustments, falling yields and new rules, there are many developments. And savers must know them to anticipate them and best manage their investments in 2025. We tell you everything you need to know about this, thanks to our colleagues at MoneyVox.
The end of the freeze for the Livret A and the LDDS
Since 2023, the Livret A and the LDDS have benefited froma fixed rate of 3%an exceptional measure coming from the government to protect savers against inflation. This gel has made it possible, for almost two years, to provide real stability for the French.
However, with the slowdown in price increases, a rate cut will occur on February 1, 2025. These two savings accounts should increase to 2.5%. For savers, this is obviously something to take into account. If the interest rate on Livret A falls, the returns will be less attractive.
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On the side of LEPthe path will be the same, with a fall from February. The Popular Savings Booklet (LEP) will see its rate change from 4% to 3%. Only one way to escape a drop: government intervention. But the latter should not intervene in 2025 on this subject.
What about life insurance?
The returns on euro funds from life insurance contracts, announced at the beginning of 2025 for the year 2024, are also expected to decline. After an average rate of 2.6% in 2023, experts estimate that this yield could stabilize around 2.5%. A much more relative decline than that of Livret A, therefore.
This savings is still one of the favorites of the French. For long-term plans, they readily turn to life insurance. They would be wrong to deprive themselves of it. Indeed, remember that the Livret A is ideal for short-term savings.
We do not recommend using it for more ambitious and distant goals. For example, for a real estate purchase or to prepare for retirement, Livret A is not at all the most interesting investment.
Savings for housing
Finally, let's turn to useful savings to put aside to buy a home. The Housing Savings Plan (PEL) opened from January 1, 2025 will offer a gross rate of 1.75%compared to 2.25% for plans opened in 2024.
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Livret A, LEP: 3 tips to maximize the interest on your savings in 2025
After application of the flat tax (30%), the net rate will be 1.575%. This reduced return is accompanied by a right to a loan of 2.95%, provided you keep the PEL for at least three years, as MoneyVox reminds us.
As for the Housing Savings Account (CEL), it will also be revised downwards. If the Livret A rate drops to 2.5%, the CEL will increase to 1.75% from February 1, 2025.
Overall, a majority of regulated savings products will see their rates fall next year. 2025 therefore promises to be a year of caution for savers. Faced with the gradual erosion of returns, it becomes essential to optimize your investments, diversify your investments and find out about the most interesting products.
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