Will the increase in the remuneration of the booklet A undermine the ambition of the super-booklets?
These unregulated savings products - the rate is not set by the state but by the banks - serve returns of 2-3% for 2-3 months.
The goal is to attract as many customers as possible to their nets, and then offer them other investments.
After the promotion period, the remuneration drops sharply, while remaining higher than those of traditional bank books, on average around 0.1%
A few months ago, the rates offered by these super-booklets made it possible over one year to offer a profitable alternative to the livret A. Last year, the remuneration of the preferred investment of the French reached 0.5%.
For savers, getting a boosted return for 2 to 3 months therefore made sense.
"Some customers even practiced chip jumps, to go from promotion to promotion and maintain attractive returns throughout the year",
recalls…
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