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The French Prime Minister, François Bayrou, seems ready to tackle a sensitive aspect of French heritage: savings. In a difficult economic context, savings accounts and life insurance could well be at the heart of new tax measures. Proposals which raise questions about the future of French household savings.
Reforms on the rate of savings accounts in 2025
As we know well, savings accounts have existed for many years. Indeed, many French people use it, since they play a very important role in managing their finances.
The fact is that these products allow individuals tosave money. Also, its principle is to generate interest. Amounts which are added to the capital deposited.
For those who want to finance future projects, investments are of great help. Additionally, most of them offer services that are both safe and regulated.
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Savings accounts: everything you need to know about interest rates
This is particularly the case for booklet A. In addition to these numerous advantages, the latter stands out for its accessibility, allowing everyone to use it without any restrictions. And this, whatever the age of the saver.
Moreover, this savings account often offers an attractive interest rate. Last year, for example, it was set at 3%. A figure which will however change next February.
Indeed, this rate will drop by 2.5% next month. A decline that many consider to be bad news for household savings. But which will bring more to savers this year, compared to the year 2024.
-It is interesting to note that the Livret A is not the only product which will see a reduction in interest rates. This year, the remuneration of the LEP, one of the most popular investments among the French, will also decrease. If previously it was at 4%, from February 1, 2025 it will drop to 3.5%.
François Bayrou's measures which impact French savings
In addition to the drop in interest rates on certain savings accounts, the State is planning several changes this year concerning certain investments. This time, the changes will mainly affect taxes, with measures having a direct impact on savers' finances.
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Prime Minister François Bayrou plans to increase the single flat-rate levy (PFU) from 30% to 33%. This measure would concern users of life insurance and regulated savings accounts such as the CEL and the PEL.
It should be noted that this measure is still under discussion at the moment. However, it is already raising questions, in particular because of the impacts it could have on savers with modest incomes.
Moreover, this measure concerning savings accounts and life insurance is not the only one that the State plans to put in place. François Bayrou also plans toincrease the tax on plane tickets.
But that's not all. The government also plans to attack high incomes, by proposing a minimum tax of 20% for individuals declaring more than €250,000 per year and couples declaring more than €500,000. Large companies declaring a turnover of more than one billion euros would also be surcharged.
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