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Home » The rate of the Livret A falls: should it be kept, what are your alternatives? Our advice
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The rate of the Livret A falls: should it be kept, what are your alternatives? Our advice

By News Room1 August 20255 Mins Read
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The rate of the Livret A falls: should it be kept, what are your alternatives? Our advice
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If you are one of the 56 million holders of a Livret Athe news will not have escaped you: the interest rate of this placement has been in free fall since Friday, August 1. Like all regulated savings booklets, its efficiency tumbles, from 2.4% to 1.7%. So you will lose big By leaving your savings on this placement, up to 13.4 euros of interest between the months of July and August if you filled it with the ceiling of 22,950 euros. And no need to consider placing your savings on a sustainable and united development booklet (LDDS), since its remuneration is strictly identical to that of booklet A.

Keep your booklet A

Hence a first question: do you have Keep your savings on your booklet A ? Let’s say it right away: the answer is yes, it is in your best interest to leave part of your savings there – three to six months’ salary. And this, for several reasons. First of all, your booklet A is completely liquid. You can therefore withdraw money there at any time, without delay. A very useful quality in the event of an unexpected (work, unpaid invoices, etc.) and very rare in the world of investments. In addition, your booklet A is nothing more than a remunerated current account on which you are guaranteed to find the invested capital and your interests. Interests certainly lowered since August 1, but still much superior to inflation noted in 2025, about 0.9% since the start of the year.

Think of interest in the fortnight

Thus, even with a rate to decline at 1.7%, your savings continue to make you earn money. And know that you will maximize your interests by taking care ofMake your payments and withdrawals at the best times. Indeed, on a booklet A, the interests are calculated at the fortnight, that is to say every 15 days, precisely the 1st and 16 of each month. If you need to mobilize part of your precautionary savings, wait for the 2nd or the 17th of the month to make your withdrawal. Do you want to put a nest eggs there? Preferably proceed before the end of the month or the start of a new fortnight.

Check if you are eligible for LEP

If you want to gain more than 1.7% interest and maintain the security of your capital, the simplest alternative is to take out a popular savings book (THE P). Because even if its rate also fell – from 3.5% to 2.7% – on August 1, this yield is 1 point higher than that of booklet A. A downside however, the LEP is reserved for households with modest income, with 22,823 euros of income per year for a single person or 35,012 euros for a married or PACS couple. A criterion that he fulfills no less than 31 million people, according to the Banque de France, eligible for “”most advantageous product today regulated savings “in the words of his governor, François Villeroy de Galhau. By filling a LEP on the ceiling of 10,000 euros, you will receive 112.50 euros in interest until the end of the year.

Study your alternatives at lower risk

If you are not eligible for LEP due to too high income, or have already saturated this product, You are not short of solutions. If your priority is not to take any risks to be sure to find your invested capital, head for the euros funds for life insurance contracts. Supports that served a average yield of 2.6% in 2024and up to 4% for the best of them. But beware, these are net tax rate, and social security contributions (17.2%) systematically applied to your interests.

To boost your remuneration, civil real estate investment companies (SCPI) are to be studied. By subscribing to the shares of these funds which acquire and manage (praise) a housing stock, you collect rents in the form of quarterly or monthly dividends. With the key to average yields of 4.72% in 2024, but close to 10% for the most efficient in the past year. Gare there again to taxation, which can be very heavy for 100% French SCPIs and the relative illiquidity of this placement, advised at least for 5 to 8 years.

Finally, why not try the bond funds, and in particular those with maturity which allow to invest over a duration known in advance? A secure product which provides a yield generally between 4% and 5%, but which has two main pitfalls: your capital is blocked for several years and taxation (flat tax) reaches 30% of your income.

Find all our advice on capital.fr

Follow the news of your investments on our site Capital.fr. Decryptages, simulations and obviously your program The “Great Savings Rendez-vous” (Capital / Radio Patrimoine), the last episode of which gives you many advice for Manage your investments this summer as well as possible.


>> Our service – save money by testing our comparator of savings booklets

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