The attractive remuneration of Livret A fixed at 3% net until February 1, 2025 has not gone unnoticed.
The French rushed to this investment in 2023 (28.7 billion euros in net inflows).
It must be said that, in the world of 100% guaranteed investments, it is difficult to find savings products that do better.
Certainly, stocks (the CAC 40 gained nearly 17% in 2023) or bond funds invested in high-yield bonds, or even real estate funds, can do much better but these investments, which are risky, must be considered over the long term. term, not over a year.
In the world of secure investments, however, the possibilities are more limited.
The rise in rates currently gives banks and insurers a little leeway to better value money.
Result: enhanced euro funds, superbooks, and term accounts whose remuneration sometimes exceeds 5%.
However, do they really do better than the A booklet once taxes and fees have been deducted, or the promotional period has passed?
Placed at 3% on the Livret A, 22,950 euros - the maximum sum that can be placed - will bring 688.5 euros net to savers in 2024. What will savers gain by placing the same amount in another investment?
To find out, you have to carry out some clever calculations.
What we have done.
Here are the winners and losers of our test.
This article is reserved for subscribers.
You have 77% left to discover.
Flash sale
-70% on digital subscription
I ENJOY IT
Already subscribed?
Log in