Booklet, PER, life insurance… Black Friday on investments, here are the best offers of the moment

Black Friday is coming to savings with attractive offers on savings accounts, PERs, life insurance and term accounts. Enough to invest your money in the best conditions before the end of the year.

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Who said that Black Friday was reserved for discounts on smartphones, airfryers or other window cleaning robots? At the end of November, it is also possible to find interesting commercial offers if you wish to open a new savings product to invest your savings, whether it is a short or long term project. . Super savings accounts, term accounts, life insurance and retirement savings plans (PER): we have focused on the 5 best offers currently valid for these 4 products, which have different investment horizons and risk levels.

Super savings accounts: boosted rates for short-term savings

Your regulated savings accounts (Livret A, LDDS, LEP) are at the ceiling and you have excess cash to invest? Super bank accounts are ideal: they allow you to invest several thousand euros while still being able to withdraw your funds at any time. Certainly, the interest rates offered are lower than that of Livret A, and you will also have to pay the single flat tax (PFU or flat tax) of 30% on your interest. But at the end of the year, the players who market these savings solutions are doubling down on promotions, and it is possible to benefit from boosted rates of up to 5% for a few months. And be careful not to delay, because with the reduction in rates initiated by the European Central Bank, the yield on these savings accounts will necessarily fall during 2025.

Term accounts: to lock in attractive medium-term returns

Lower rates mean that short-term savings solutions, such as regulated savings accounts and super savings accounts, will automatically lose their remuneration. Fortunately, it remains possible to lock in the current rate level for a certain period of time by turning to a term account (CAT). Their concept is simple: you agree not to withdraw your capital before a certain period in exchange for an interest rate known in advance. If this product is available in the large traditional banking networks, a handful of online players are currently offering you attractive offers, with the possibility of locking in a maximum return of 3.80% for a period of 5 years.

Life insurance: for longer-term savings available at any time

IF the time has come for you to start saving for the longer term, it may be better not to wait until 2025 to take out life insurance. Certain distributors or insurers are currently offering bonus offers which end on December 31, 2024. In exchange for payments on funds in euros – risk-free supports with guaranteed capital – it is indeed possible to obtain a “boost » on the rate paid in 2024 and/or in 2025. It may also be a reduction offered on fees, or a “cash” payment.

PER: a tax cut provided you block your savings

Unlike life insurance, the PER is intended for a single project: retirement, by helping you build up a nest egg which will serve as additional income for your old age. In return for blocking your funds, you obtain an immediate tax advantage: by paying into your PER before the end of 2024, you will reduce your taxable income by the same amount in spring 2025. Hence the race for PERs attended by distributors and insurers at the end of the year. And to take advantage of it in the midst of fierce competition, welcome offers are legion, in particular “cash” payments depending on the amount of your initial payment.