The savings of the French experiences a notable transformation, marked by a change in investment preferences. Life insurance is now established as the privileged choice, surpassing other options traditional such as booklet A and SCPI. This development reflects a quest for safety and performance in an uncertain economic environment.
Savers seem to redefine their priorities, influenced by constantly changing economic and tax factors. This phenomenon raises questions about the future of conventional financial investments And invites to explore the reasons behind this reorientation towards life insurance, which has become the new queen of savings.
Life insurance: the favorite placement of the French
Life insurance is essential as the favorite placement of the French, according to a recent study of the Circle of the Savings. With 58% of favorable opinions, it clearly is ahead of booklet A and rental investment. The average remuneration of funds in euros, provided for 2.6% for 2024, plays a key role in this growing popularity.
Comparedthe booklet A saw its rate drop to 2.4%, Which contributed to his tumble in third place. Rental real estate rises secondly with 56% positive opinions. These figures illustrate a notable change in the savings preferences of the French.
Livret A: a persistent attraction among young people
Despite its decrease in general popularity, the booklet A retains a privileged place with young adults. According to the study of CECOP for the Circle of the Savings, 59% of 18-24 year olds consider this placement as interestingthus surpassing the interest manifested by those over 65 (53%).
This contrast is partly explained by the safety and simplicity of access offered by the booklet A, Characteristics particularly popular with this age group. Although its rate has dropped to 2.4%, it remains above current inflation, Reinforcing its appeal despite an uncertain economic context. This resilience underlines the importance of booklet A in the savings strategies of young French people.
Other financial investments: trends and perspectives
The study of the Circle of the Savings reveals various dynamics among other financial investments. Rental real estate, with 56% of favorable opinions, is positioned in second place, testifying to his resilience to economic fluctuations. On the other hand, the retirement savings plan (PER) experiences a drop in interest, going to 48% against 57% the previous year.
Shares stagnate at 41%, while SCPIs undergo a slight decline due to sectoral uncertainties. The Sicavs lose ground in favor of ETFs, more competitive in terms of costs. Finally, Cryptocurrencies like Bitcoin remain stable with 21% of positive opinions, Without notable progression this year. These trends could influence the future popularity of these products.
