The new year is approaching, and with it the need to take stock of your investments: should I keep my Livret A? Which investments are the most promising? How can I reduce my tax bill? To help you make these major decisions at the start of the year, we interviewed three savings experts, who give us their advice for 2026.
For this first episode, we visited the premises of the online broker Linxea, launched in 2001, and which now has 160,000 clients. With its wide range of savings products and assets offered (life insurance, PER, SCPI, etc.), the detour was wise to have an almost complete overview of your investment possibilities.
Will Livret A remain relevant in 2026?
First question, which concerns 58 million French people: will the Livret A continue to be of interest in 2026? For Antoine Delon, president of Linxea, the favorite booklet of the French, whose rate could fall further on February 1, is no longer a match for its main competitor, life insurance in euro funds, which also offers a capital guarantee: “This year, the match is over, Livret A is completely knocked out compared to the Euro fund. We saw massive influxes of collections linked to the drop in the Livret A rate this summer, and I think that this will continue to be the case in 2026.
It must be said that faced with a Livret A weighed down by the decline in inflation, life insurance in euro funds shows great promise: “In 2026 our number one conviction is that the euro fund will remain an asset that will perform well and motivate many French people to save. In a favorable environment for insurers, they will have, in our opinion, an aggressive reserve redistribution policy.” In other words, we can hope for an increase in yields served in 2026.
How to fill your life insurance contract next year?
That’s for the most cautious profiles, but life insurance can be made up of a multitude of riskier investments, through the units of account (UC) in the insurer’s catalog. Several possibilities are open: diversified bond funds, structured products, private equity funds, or even real estate, through real estate investment companies (SCPI). On this last asset class, “new players have arrived, like Remake, Iroko, who have captured a lot of savings and who are there in terms of performance. But be careful, these are not capital-guaranteed products, and you must have a long-term investment horizon. recalls Antoine Delon.
In addition to the variety of assets offered, other elements must be looked at closely before choosing your contract, in particular the fees, particularly entry fees: “It no longer exists, we can’t charge you for it”decides the expert. Also make sure you can invest in a variety of stock funds and ETFs. The best remedy, with scheduled payments, to avoid suffering a possible stock market crash.
https://www.capital.fr/page/comparateur-assurance-vie
