French savings choices in 2025 reveal fascinating trends and raise major concerns. Attitudes towards retirement and the management of social dependence also arouse great interest, reflecting an increasing awareness of the importance of preparing its financial future from an early age.
Find out how these dynamics influence financial decisions French people and what implications could they have for the economic future of the country.
The favorite investments of the French in 2025
In 2025, life insurance remains the privileged placement of the French, According to the latest study of the Savings Circle. This choice is explained by its flexibility and its tax advantages, which particularly attract 35-64 year olds. In comparison, rental real estate mainly attracts young adults (25-34 years) thanks to its stable income potential.
The booklet A remains popular among the youngest (18-24 years), despite modest yields. The retirement savings plan mainly seduces 50-64 year olds to prepare for their retirement. Actions and cryptocurrencies interest younger generations more, although the latter are perceived as risky. The major concern remains the preparation of retirement, strongly influencing these investment choices.
Satisfaction and concerns related to savings in 2025
In 2025, the satisfaction of the French as to the return on their savings was shared. According to the circle of savings, 50 % of savers say they are satisfiedwhile the other half expresses his dissatisfaction. This division increases according to income: wealthy households, investing in long -term products such as the retirement savings plan (PER), are more satisfied.
On the other hand, modest households, often limited to less remunerative booklets such as booklet Aare more critical. Preparation of retirement remains a major concern for 72 % of non-retirees, stressing the importance of early planning before 35 years to guarantee future financial security.
Freedom and constraints in the choice of savings
The French are due to their freedom of choice in terms of savingsexpressing strong opposition to state intervention by taxation. According to the study of the circle of savings, 78 % of respondents consider any public orientation of savings abnormal. This rejection is more pronounced in modest households, while those with high income show a slightly increased tolerance.
Regarding the financing of national defense by savings, 69 % of French people firmly oppose it. This perception highlights a deep attachment to the autonomous management of their finances, regardless of government prioritiesand reflects a general distrust of tax policies perceived as intrusive.
Social priorities and study methodology
The study of the savings circle highlights the social priorities of the French in matters of savingswith particular attention paid to the care of dependence (37 %) and to maladie insurance (45 %). Carried out by IFOP, this survey is based on a representative sample of 1,000 people aged 18 and over, interviewed online.
Methodological rigor guarantees that The results faithfully reflect the concerns and behaviors of French households. This approach ensures a precise understanding of societal expectations, essential to orient public policies and financial offers to solutions adapted to the real needs of citizens.
