What are the favorite investments of the French in 2025?

In 2025, in a context marked by the rise in interest rates and global economic uncertainty, the French confirm their attachment to the security of their savings. Furthermore,

The French, faithful to their habits, favor the investments deemed safe, liquid and fiscally advantageous. Moreover, Booklet A. Therefore, life insurance and rental real estate experiences a strong craze while the scholarship attracts an increasing part of more informed savers. Therefore,

A particular economic situation – What favorite investments french 2025?

The year 2025 was marked by a particular situation. However, After the Pandemic of Covid-19. Nevertheless, the war in Ukraine, the energy crisis and persistent inflation, the French saw their weakened purchasing power. For example, Even if inflation slowed down at the start of the year. Moreover, it remains what favorite investments french 2025? greater than the target of 2 % set by the European Central Bank (ECB). Consequently,

In this context, central banks have maintained high interest rates to contain inflationary pressures. Nevertheless, Mortgage rates have therefore remained high. Therefore, slowing down certain investments, while secure savings products have become more attractive (Livret A and LDDS rate featured at 2.40 % since February, LEP rate at 3.50 %, yields of funds in euros in life insurance between 2.5 % and 4 % depending on contracts). For example,

At the same time. Moreover, global geopolitical instability, tax pressure and climatic issues prompted savers to turn to safe and aligned investments with their values (green savings, responsible investments). For example,

Secure investments favored by the French – What favorite investments french 2025?

In 2025, the French remain strongly attached to the security of their savings. Meanwhile, Faced with an uncertain economic context, guaranteed and liquid investments continue what favorite investments french 2025? to dominate their heritage choices. Moreover,

Regulated booklets

Regulated savings booklets are among the favorite investments of the French in 2025 thanks to their total security. Moreover, their immediate liquidity and their full tax exemption. Nevertheless,

With more than 56 million holders and 400 billion euros in outstanding in early 2025, booklet A is the most widespread placement. For example, Its rate, at 2.40 %, remains modest but guaranteed and much higher than that of a current account. Consequently, The ceilings (22,950 euros per person) and the state guarantee, make it an essential precautionary tool. Consequently,

The sustainable. solidarity development booklet (LDDS) works according to the same rules as booklet A, but is capped at 12,000 euros. It attracts savers sensitive to societal issues. Indeed, the funds collected are used to finance ecological and social projects. In 2025, the outstanding exceeded 160 billion euros.

The what favorite investments french 2025? Popular Savings Booklet (LEP). reserved for taxpayers whose reference tax income is lower than a certain threshold, offers a net rate of 3.50 %, making it the most profitable booklet. Capped at 10,000 euros, he experienced a strong increase, reaching more than 23 million holders, compared to less than 8 million in 2020.

The regulated booklets are aimed at all profiles, from the most prudent to the most committed.

Life insurance

Life insurance is an essential pillar of the heritage of the French in 2025. Almost 40 % of households hold one. Although it does not offer as immediate guarantee as a regulated booklet. it seduces with its flexibility of use, its tax advantages and its yield potential.

Long criticized for their low profitability, funds in euros are experiencing renewed interest thanks to the rise in bond rates. In 2025, they offer average net yields between what favorite investments french 2025? 2.5 %and 3.5 %, with “boosted” contracts up to 4 %. The capital is guaranteed, which makes it a reassuring medium for prudent savers.

To energize their contract. more and more French people are moving towards the units of account, that is to say supports linked to the financial markets (actions, real estate, ETF, etc.). If the UCs present a risk of capital loss, they offer yield prospects over 5 % in the long term.

Beyond the yield, life insurance is popular for its inheritance advantages. In the event of death. the designated beneficiary can receive up to 152,500 euros exempt from inheritance tax, if the payments were made before 70 years. In addition, after 8 years of detention, withdrawals benefit from reduced taxation, with an annual abatement of 4,600 euros on interest.

Real estate. a refuge value that always seduces

Despite the rise in interest what favorite investments french 2025? rates and growing regulatory constraints, real estate remains one of the favorite investments of the French in 2025. Savers consider it as the most profitable and most sure placement in the long term, before life insurance and actions.

Rental real estate remains a major pillar in the heritage strategy of the French even if the economic. regulatory context became more complex in 2025. Borrowing rates have experienced a clear increase in recent years. weighing on investment capacity, especially for first-time buyers and small investors. In addition. the implementation of the energy performance diagnosis (DPE) as well as the obligations linked to the climate and resilience law, imposed expensive work to improve the energy performance of housing, constraints that increase the costs and limit profitability. Despite these obstacles. rental investment is perceived as a means of effectively constituting a heritage, optimizing its profitability and preparing retirement.

Faced with constraints what favorite investments french 2025? related to live real estate investment. the Pierre-Papier attracts more and more savers via civil real estate investment companies (SCPI). These offer a turnkey solution to access the real estate market without management constraints. Indeed. unlike the live purchase, SCPIs allow investing with lower entry tickets, often from a few hundred or thousands of euros. These companies invest in a diversified portfolio of real estate assets (offices. shops, specialized residences, health), which reduces the risk of rental vacancy or the degradation of a specific sector. In 2025, they displayed a net return between 4 % and 5.5 % depending on the asset categories and the quality of management. This level remains higher than that of many secure investments.

Interest in dynamic investments

The French seek to diversify their savings towards more dynamic investments.

The equity investment is increasingly accessible. in particular thanks to the rise of ETFs, what favorite investments french 2025? listed index funds which reply the performance of stock market indices. Their popularity is based on reduced costs, transparency and their ability to offer immediate geographic and sectoral diversification.

Cryptocurrencies continue to stir up the curiosity of the French, even if they remain a very volatile and speculative placement. These assets are rather reserved for a minority part of savings, often among younger profiles.

Finally, savers who seek to combine return and commitment turn to investing in innovative SMEs. Specialized platforms make it possible to support projects with high potential. with attractive taxation (income tax reduction, partial exemption from capital gain).

Thus, in 2025, the French financial investment landscape reflected both a safety search and an increasing desire for diversification. Secure investments. such as regulated booklets and life insurance, remain at the heart of heritage strategies, offering a balance between accessibility, moderate yield and tax advantages. Life what favorite investments french 2025? insurance, in particular, seduces thanks to its flexibility and its key role in transmission. At the same time. real estate retains its status of refuge value, both through traditional rental investment and via the Pierre-Papier with the SCPIs. Then. a growing part of savers is moving towards dynamic investments, such as the stock market via ETF, cryptocurrencies, or investment in startups.