Hut in the Middle East, war in Ukraine which is dragged, government instability, sluggish growth in the first quarter (0.1%) … For the French, there is no shortage of sources. Also, as a precaution, they save as rarely: according to the Odoxa-Groupama study for Capital Magazine and BFM Business, individuals are currently put aside 18.8% of their gross available income. It is, outside COVID, the highest rate since … 1981, almost half a century.
And precautionary savings rhymes with risk -free investments, booklet A in mind. The latter assures you of never losing money, and being able to quickly withdraw your funds if necessary. Problem: this product will pay you much less from August 1. According to the latest known figures for inflation in the first half, its interest rate should indeed tumble from 2.4% to 1.7% on August 1, until February 1, 2026, date of its next revision.
On the ceiling, interest will not exceed 162.56 euros until December 31
For the household portfolio, it is a hard blow, since the interests generated by their favorite booklet will be reduced to the congruent portion. For 1,000 euros deposited on a booklet A, interest pocketed between August and December will be limited to 7.08 euros with a rate to 1.7%. In terms of the average outstanding held on this booklet (7,000 euros), gains will amount to 49.58 euros between August 1 and December 31, against 84 euros between February 1 and August 1, at the current rate of 2.4%.
Finally, for holders who reached the ceiling of 22,950 euros, interest will amount to 162.56 euros between August and December Or 32.51 euros per month. By way of comparison, between February and August, a booklet has saturated will bring in 275.40 euros in all, Or 49.90 euros per month. A monthly difference of 17.39 euros.
Faced with this drop in remuneration, the French may continue to desert booklet A. The net collection (reduced to withdrawals) of the latter only amounts to 2.75 billion euros between January and May 2025, three times less (8.91 billion euros) than a year earlier, according to collection data from the Caisse des Dépôts, published on Monday, June 23. But what other secure investment to turn to, if you don’t want to risk losing your woolen stockings? Life insurance in euros funds, SCPI, bond funds … accessible and “secure” alternatives exist, provided, however, being a little more adventurous and imposed on your gains.
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