Marie, reader of capital, addresses the following question: “With the drop in rates of August 1, 2025, will it always be interesting to keep your LEP and your booklet A?” Hello Marie, and thank you for your question. It is particularly topical while the rates of regulated savings booklets are preparing to lower: from August 1, 2025, the rate of the Livret A (and the Sustainable and Solidarity Development Booklet, LDDS) will pass From 2.4% to 1.7%and that of the popular savings book (LEP) from 3.5% to 2.7%. So, should these products be kept in your savers’ panoply? The answer is yes, despite this drop in remuneration.
Regarding the booklet A, it remains interesting to keep it, for at least two reasons. First, this savings product remains the prerequisite for any savings strategy: it is necessary to keep the equivalent of three to six months of salary, in order to be able to use it in the event of a glitch (car repair, sinister in housing, etc.), what is called precautionary savings. This booklet offers the advantage of allowing you to remove your savings at any time by simple bank transfer. You are also sure you never lose the capital placed.
The remuneration of these booklets will remain greater than inflation this year
Then, despite the drop in remuneration of August 1, the rate of booklet A will remain higher than inflation. Indeed, out of the first six of the year, the price increase was contained at 0.9% on average. According to forecasts from the Banque de France, inflation could amount to 1% over the whole year. Also, with his 1.7% Yield between August 1, 2025 and February 1, 2026, the booklet A will fully fulfill its primary mission: that of protecting your savings from inflation.
According to this same logic, the LEP will remain even more interesting if you are eligible. This booklet, reserved for households with modest income (less 22,823 euros per year of income for a single person), will always be, after August 1, the most advantageous product in the range of regulated booklets. With its 2.7%its yield will indeed remain three times higher than the inflation observed in the first half (0.9%).
Finally, it should be remembered that you are free to withdraw part of the savings deposited on these two booklets, while keeping them open. Thus, if their yield seems too low, nothing prevents you from reallowing part of your savings towards an alternative placement at lower risk, while retaining your booklets. In summary, Marie, even with the drop in rates, booklet A and LEP remain tools essential to any savings strategy. You will not make your savings massively grow, but keep your savings at a withdrawal in the event of a hard blow, while guaranteeing it a minimum of return without taking any risk.
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