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The month of July promises to be crucial for French savers, marking a decisive turning point for regulated savings. With the revision of the rates scheduled for August 1, booklet holders A, LEP and other investments will see their yields evolve. It is time to take stock of these investments often considered safe, but whose profitability is subject to regular changes. How to position yourself in front of these changes and optimize your savings in 2025?
Fluctuations in regulated savings
Since February 1, the Livret A rate has been established in 2,4%after a long period of stability at 3%. This rate, although modest, is tax exempt, which makes it a prized placement. The Social and Solidarity Development Booklet (LDDS) follows the same path with a similar rate. However, these performance levels are only temporary, with an imminent reassessment scheduled for August 1.
The popular savings book (LEP), intended for modest households, offers a rate of 3,5%. This attractive return is also tax exempt, making it an interesting option for those who are eligible for it. However, these rates live their last hours, and a decline is expected. From August 1, the LEP rate could drop to 2.5% or 3%, depending on government decisions.
Regarding the housing savings plan (PEL), the rates are also changing. For open plans after 2025, the yield is 1.75%gross, subject to a flat tax by 30%, bringing the net rate to 1.23%. Previous plans retain higher rates, but the general trend is down.
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“IQUE” banking book rates
Classic banking booklets, such as booklet B or booklet accounts, display significantly lower rates. On average, their gross yield is approximately 0,84%. These investments are subject to flat tax, reducing their net profitability to less than 0.6%.
Super-books, offered by online banks, offer more attractive promotional rates, sometimes reaching 6% gross. However, these offers are often limited over time and subject to strict conditions. The average rate of super-cells is currently 1,58% brutindicating a slight improvement compared to the beginning of the year.
Despite these attractive rates, it is essential to consider the applicable taxation. After samples, a boosted rate of 6% results in a net return of 4.2%, which remains interesting for short -term savings.
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Tower accounts: a long -term option
For those who can afford to block their savings, the term accounts represent a viable alternative. These investments guarantee a fixed yield over a given period. Currently, the two -year -long accounts of or less offer an average rate of 2,79% brut.
However, the rates of short -term term accounts are less competitive, with an average of 2,33%. On the other hand, engaging on longer durations can report more, with rates of up to 2.70% gross for five -year commitments.
Taxation remains a determining factor. After application of flat tax, net yields are often lower than those of regulated booklets, but they offer precious stability in an uncertain economic context.
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Life insurance: between security and performance
Life insurance continues to seduce with flexibility and competitive yields. The funds in euros, guaranteed in capital, reported on average 2,6% In 2024. Some contracts even exceeded the 3%mark, illustrating the diversity of available offers.
The units of account, although more risky, offer higher prospects for earnings, provided you choose its investment media. In 2025, a slight drop in yields was anticipated, with an estimate around 2.5% for euros in euros.
Taking into account social security contributions, net return is approximately 2.15%. Life insurance remains a choice of choice to diversify its savings while benefiting from attractive tax advantages after eight years of detention.
Faced with these developments, how to adapt your savings strategy to preserve its purchasing power and maximize its yields? Knowledge of current trends and rates is crucial for making informed choices. What are your priorities for the coming year?
The author relied on artificial intelligence to enrich this article.
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