The Livret A recorded more withdrawals than deposits in November, to the tune of 90 million euros, according to data released Tuesday by the Caisse des Dépôts.
The Sustainable and Solidarity Development Booklet (LDDS) found itself in a similar situation, with an outflow of 270 million euros, bringing the total of the two booklets to -360 million euros.
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Since 2009, November has often ended in the red for these two savings products, the inflows having been positive only five times that month during these twelve years.
However, they are doing better than in October, when the two savings accounts had recorded their largest outflow since the end of 2014, at -3.4 billion euros.
Despite a lowest level of remuneration, at 0.5%, the Livret A, which is used in particular to finance social housing in France, has become a safe haven for savers during the health crisis.
Reversal
Despite a lowest level of remuneration, at 0.5%, the Livret A, which is used in particular to finance social housing in France, has become a safe haven for savers during the health crisis.
Since May 2021 however, with the easing of the restrictions taken in the face of Covid-19 and the resumption of consumption, savers are putting less money aside, or even digging into their woolen socks.
However, "
for the next few months, the evolution of the Livret A is likely to be affected by the resurgence of the epidemic
" and "
the decline in household morale could lead to the return of strong collections
", underlined in a note Philippe Crevel, director of the Cercle de l'épargne.
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In total, between January and November 2021, the net inflows of the Livret A and the LDDS totaled 20.28 billion euros, against around 35 billion last year over the same period, indicates the Caisse des Dépôts .
Total outstanding on the two products reached 468.6 billion euros at the end of November, an increase of 5.1% over one year.
Their rate of pay, which is identical, should increase at the start of 2022, the Minister of the Economy, Bruno Le Maire, announced in mid-December in order to take into account the high inflation observed in France in recent months.