Caution is required. Three quarters of French people save every monthaccording to the latest Odoxa-Groupama barometer for Capital and BFM. The amounts involved are not negligible: 31% manage to put aside more than 200 euros monthly. And nearly 4 in 10 French people plan to save more in the coming months. The reasons behind this well-stocked nest egg? The French are worried, firstly about the international political situation (94%), the economic situation of the country (92%), then, but also about taxation (89%).
One fear in particular seems to be gaining ground: more than 8 in 10 savers are increasingly worried about the performance of their savings. In one year, the share of confident French people has been halved. Small savers, that is to say those who put aside between 1 and 50 euros per month, are the most affected by this loss of confidence. But which investments are paying the price for this worry?
The A booklet and the LEP are no longer popular
Placing your money in savings accounts is no longer the first reflex of the French. Quite the opposite, even: only 21% of our fellow citizens still think that it is the best investment, a figure halved in the year (-21 points).
THE booklet A sums up this loss of interest. Nearly one in two French people have not added their A savings account for several months or years, or have already closed it. And this dynamic could continue: 69% of people holding a Livret A could stop funding it in the future. The reason for this disenchantment? A rate that continues to fall. Having gone from 2.4% to 1.7% in August 2025, the latter was further lowered on February 1 to reach 1.5%.
Another booklet far from having the wind in its sails: the popular savings booklet (LEP). Nearly two thirds of holders have closed it or no longer use it. And this trend could also continue: 45% of those who still have a LEP could stop funding it, make withdrawals or even close it. The reason for this lack of interest is identical to that observed on the Livret A: the evolution of the annual interest rate. Already reduced from 3.5% to 2.7% last August, this rate fell to 2.5% in February.
What is the fate reserved for the PER?
Regarding the Retirement savings plan (PER)this one was on a good roll: almost a quarter of French people have already subscribed to this type of investment. A jump of 11 points compared to 2019, the year of its launch. However, this attraction risks crumbling. While the PER allows the payments made to be deducted from taxes (regardless of the age of the person), the budget 2026 plans to eliminate this tax advantage for those over 70 years old. Result ? 46% of subscribers assure that they will stop feeding it if they no longer have this advantage. And for those aged over 65, the score rises to 83%.
Life insurance and the stock market, big winners?
The misfortune of one person makes the happiness of others. While the French are shunning savings accounts, other types of investments are doing well. Life insuranceshe is designated best placement for 25% of those surveyeda jump of 7% compared to last year. Above all, it is ahead of savings accounts by 4 points.
Another solution that is attracting more and more French people: investing in the stock market. Seen as the best investment for 8% of French peopleits attractiveness has doubled in less than 2 years (4% in April 2024). But the risks of capital loss remain and it is large savers who are most inclined to invest in the stock market.
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