The Livret A is a very interesting result for the French. However, its rate is likely to drop in 2025, find out by how much.
Booklet A remains best placement of France, thanks to its attractive remuneration rate, which rose to 3% on February 1, 2023. However, in 2025, its rate will decrease significantly.
The Livret A still has the star savings of the French
For several years, the Livret A has been the savings the French lighthouse. In addition, its rate will remain the same, an announcement made by Bruno Le Maire with enthusiasm.
Like the LDDS and the LEP, Livret A aims to encourage savings modest family. A safe savings product, at a fixed rate, the Livret A is guaranteed by the Banque de France, even in the event of bank bankruptcy.
With 58 million holders in France, this investment remains very popular. The high ceiling allows you to make significant savings, while benefiting from tax-free interest.
Which makes it an attractive financial option. Although Livret A is less effective that the LEPit managed to resist everything, even inflation.
It is planned to increase its rate from 0.5% in February 2022 to 3% from February 2023. increase marks significantly in response to rising prices.
Despite a recent inflation rate higher than that of the Livret A, the freezing rate at 3% until February 2025 is great news for savers. In July, inflation fell to 2.3% year on year.
Good news for the end of the year
The Livret A rate will continue to be an advantage. THE forecasts of MoneyVox indicated that inflation may continue to fall in the second half of the year.
This therefore allows an increase in the French their purchasing power. With this result, their savings should increase, which would provide particular relief to low-income families.
For those who don’t have Livret A yet, it’s time consider this option. Unlike the LEP, the opening of Livret A does not require any income conditions, making it accessible to everyone.
The 58 million holders of this booklet will soon benefit financial advantage linked to stabilization of inflation. However, the end of the frozen rate at 3% is scheduled for January 2025.
In principle, the Livret A rate is reviewed every year, but then what to expect for February 2025? Interbank rates are likely to fall.
Livret A rate to fall in 2025?
Anticipate your future investments is not simple. In fact, the fixation depends on political decisions which are influenced by the direction of the government.
However, it is proposed to theoretically determine the rate of Livret A with a mathematical formula. It takes inflation into account so no smoking and Interbank rate €ster.
With the recent drop in key rates the European Central Bank (ECB) to 3.66%, a further reduction could bring the rate to 3.40% in September. The average interbank rate could be 3.45% for the second half.
But then, should we expect a lower rate? A revaluation of rate It is said to be scheduled for February, but could be lower than the current 3% rate, according to rumors reported by Capital.
If inflation excluding tobacco stabilizes and the ECB continues its monetary policy, the the rate could fall at 2.70%. This represents a slight reduction in interest, with Livret A at the ceiling generating approximately 5.7 euros less monthly interest.
Although the 3% rate has been beneficial for many savers, only six months remain to enjoy. Before this result is readjusted in January 2025.
According to INSEE, inflation excluding tobacco should stabilize at around 1.85% in the second half of 2024, down from 2.33% in the first half. This could lead to a reduction in interest earnings for some savers.
