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Modest savers could soon face new developments concerning their privileged placement, the popular savings book (LEP). This savings product, already subject to recent adjustments, could see its interest rate drop in August 1, 2025. This perspective, linked to economic factors such as the slowdown in inflation, arouses concerns in many French people who depend on these interests to complete their income.
A new online reduction in sight
Currently, the LEP offers a rate of remuneration for 3.5 % net of taxes. However, projections based on the regulatory calculation formula suggest a possible 3 %decrease. This formula takes into account the evolution of inflation and interbank rates. According to recent analyzes, the theoretical rate would amount to 2.9 %, justifying a 3 % drop in August 1.
Last February, despite a drop in inflation, the Ministry of Finance had decided to maintain the rate at 3.5 % to support the purchasing power of modest savers. The question remains open: will the government act in the same way this time to preserve the interests of the most vulnerable?
Vertiginous diving in yields: discover how your booklet A, LEP and life insurance are giving you surprises this summer
By the way, what is the LEP?
The popular savings book (LEP) is a regulated, secure and non -taxable savings product intended for taxpayers with modest income. To open a LEP in 2025, the reference tax income of a single person must not exceed 22 823 €. The deposit ceiling is € 7,700, excluding interest, and the funds can be withdrawn at any time. Capital is guaranteed by the State, which makes it a risk -free placement, particularly relevant during the inflation.
The LEP thus remains an attractive solution for modest households wishing to save in complete safety, while benefiting from a higher rate than other regulated savings products.
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Why is his remuneration to drop?
LEP’s remuneration is indexed to the average inflation of the last six months. However, since the peak of 2023, inflation has decreased considerably. This drop directly influences the LEP rate, in accordance with the calculation formula in force. Although this rate remains higher than that of booklet A or LDDS, a decrease seems inevitable.
This dynamic is not unique in LEP. Booklet A and LDDS could also see their rates revised downwards, making the analysis of essential economic trends to anticipate these changes.
Vertiginous diving in yields: discover how your booklet A, LEP and life insurance are giving you surprises this summer
An always unbeatable rate?
Despite the potential decreases to 3 %, the LEP would remain the most generous regulated booklet. For comparison, booklet A and LDDS are currently remunerated at 2,4 %. This summary table highlights the differences between these savings products:
| Placement name | Remuneration | Deposit ceiling | Taxation | Eligibility |
|---|---|---|---|---|
| LEP | 3.5 % per year (potentially 3 % in August) | 7 700 € | Net of tax and social security contributions | Under income conditions, limited to one per person |
| Livret A | 2.4 % per year (potentially 1.7 % in August) | 22 950 € | Net of tax and social security contributions | Open to everyone, limited to one per person |
| LDDS | 2.4 % per year (potentially 1.7 % in August) | 12 000 € | Net of tax and social security contributions | Open to everyone, limited to one per person |
It is therefore clear that for those who meet the conditions, LEP remains a very attractive savings option.
Faced with these potential changes, should savers rethink their financial strategy? While LEP continues to offer a higher return to other options, the economic situation could encourage some to explore other forms of investment. How will the French adapt their savings choices to these developments?
The author relied on artificial intelligence to enrich this article.
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