Do the booklets are still worth it? The question arises a few days before the drop in remuneration for booklet A, the popular savings book (LEP), or the Sustainable and Solidarity Development Booklet (LDDS). From August 1, the 58 million holders of a booklet A will indeed see the yield of the latter melt from 2.4% to 1.7%. Ditto for the LEP, which will lose 0.8% yield, from 3.5% to 2.7%. Here is how these products will bring you between August 1 and December 31.
Booklet A: a loss of 22 euros in interest in the average outstanding
Should we continue to feed your booklet A, or on the contrary to withdraw “your balls” for a more remunerative placement? One thing is certain: the difference in remuneration will be sensitive from August 1. At the average amount held by the French on this booklet (7,500 euros in 2024, according to the Banque de France), a booklet will generate, between August 1 and December 31, 2025 (date of payment by the Bank of annual interest), 53.12 euros, against 75 euros if the rate had remained 2.4% over the same period (or 21.88 euros less). If it is filled with a ceiling 22,950 euros, the booklet A will still generate 162.56 euros until the end of the year, or 66.94 euros less than with its old rate.
LEP: a loss limited to 33 euros at the ceiling level of 10,000 euros
Despite a substantial drop in its rate, the LEP will remain the most remunerative savings book, with a yield of 2.7% net of any taxation. However, for the most modest savers, the loss of interest will still be substantial. For those who have put aside 6,900 euros – the average outstanding held on this booklet in 2024 -, the LEP will provide 77.62 euros in interest from August 1, 2025 to December 31, 2025, date of the annual payment of interest. Or 23 euros less than over the same period with an unchanged rate (100.62 euros). And for the 39% of LEP exceeding the ceiling of 10,000 euros, the interest will amount to 112.50 euros until the end of the year, against 145.83 euros at a rate of 3.5% (or 33.33 euros less).
LDDS: A superfluous booklet in addition to booklet A?
Complementary to booklet A, the sustainable and solidarity development booklet (LDDS) always displays the same rate as the latter, and can be very useful for savers having reached the ceiling of 22,950 euros. However, is it wise to keep so much savings on these two booklets at identical rates? In terms of average outstanding – 6,000 euros in 2024 – interest will amount to 42.50 euros between August 1 and December 1 of this year, and 85 euros over the same period for savers who reached the 12,000 euros ceiling of the LDDS. A loss of 17.50 and 35 euros respectively on the same period of time compared to the old rate of 2.4%.
