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Despite the ongoing cycle of falling rates, investments deemed risk-free should retain a certain appeal in 2025. Here is our investment advice on 8 of them.
The fight against inflation is over and the European Central Bank (ECB) no longer has to maintain its key rates at high levels.
Three times in 2024, it reduced its rates, resulting in a drop in returns on risk-free investments. Despite everything, they should remain at a good level.
1) Fill out your Booklet A
Inflation is expected to be around 2% for 2024. “According to the regulatory calculation formula based on inflation and the short-term interest rate in euros (€STR), the Livret A should yield around 2.50% from February 2025, compared to 3%. currently, then 2% in August 2025”predicts Laurent Monet, head of savings at BNP Paribas’ commercial bank. A still attractive level of yield. Don't also forget its little brother, the Sustainable and Solidarity Development Booklet (LDDS), whose remuneration is identical. “This should protect your savings from inflation in 2025”anticipates Clémentine Gallès, chief economist and strategist…
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