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Rate cuts anticipated for 2025

The year 2025 presents itself as a contrasting period for retirees and savings account holders, since the rates for regulated savings accounts will fall from February 1. What will these new rates be?

Tl;dr

  • Savings book rates will fall in 2025.
  • The rate reassessment will take place in February and August.
  • The decline is linked to the reduction in inflation and interbank rates.

2025: a turning point for savers

The year 2025 promises to be decisive for retirees and savers, with news that arouses interest but also concerns: the significant drop in savings account rates from February 1. Eric Lombard, the general director of Caisse des Dépôts, indicated that the reduction in the livret A would be half a point.

A second drop to be expected

“The Livret A will certainly no longer be the preferred savings product of the French in 2025”underlines our source. Indeed, the rate of remuneration of the Livret A and the Livret d'Épargne Populaire (LEP) will be reevaluated a second time in August.

Declining indicators

Another factor to take into account: the indicators which make it possible to calculate the passbook rate will continue to fall during the first six months of 2025. INSEE anticipates a stabilization of inflation at a lower level. Likewise, the half-yearly average of the interbank rate should also decrease.

Hypotheses to be confirmed

It is important to note that all data provided at this time regarding rates are estimates. If trends continue, the rate obtained with the calculation formula for the Livret A could be less than 2% in August 2025 and that of the popular savings booklet less than 3%.

Editorial opinion

These changes in monetary orientations are a reminder that saving is not a fixed practice, but that it evolves over time and with economic fluctuations. It is essential that savers stay informed and adapt their strategies accordingly. Despite this development, saving remains an essential practice for preserving and growing one's assets.

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