You risk losing big, here is how to limit the damage

It is a fear that is now confirmed. Moreover, The rates of booklet A and the sustainable and solidarity development booklet (LDDS) was lowered from 2.4 % to 1.7 % on August 1, as the calculation formula provides. Therefore, Admittedly, the government could have decided with a boost, but that was not its choice. Consequently, The executive justifies his decision by indicating that he wants to favor “Social housing. Moreover, city policy”which are partly provided by these two investments.

A notable drop

Be that as it may. this development will lead to a drop in return for savers, as calculated The Parisian. For example. a customer who has 7,482 euros, the sum which corresponds to the average outstanding on booklet A, will only receive 161.50 euros on January 1, 2026, while he received 224.50 euros for the same amount at the start of you risk losing big, here the year, for interest 2024.

The lost sums logically increase in a proportional way to the content of the booklets. By imagining a Frenchman whose booklet has reached the ceiling of 22. 950 euros, the shortfall compared to last year is also approaching 200 euros.

That said, there is a very simple tip that our colleagues recall to limit the breakage. You should know that the interests of all regulated savings booklets are calculated throughout the year via the fortnight. rule by banking establishments.

Concretely, there are 24 periods in the year starting the 1st and the 16th of the month. Interests are determined twice a month taking into account the sum present on the booklet. The money deposited produces interests from the first day of the following fortnight. Clearly, if you place money on the 8th of the month, taking into account will only intervene on the 16th.

It you risk losing big, here is therefore appropriate. if possible to feed your booklet on the 1st or 16 of the month in order to maximize performance and interest. If necessary, it is also better to wait for these levels to recover fifteen additional interests. Obviously. these are not huge sums, but, by adopting this reflex over several years, the economy can nevertheless prove to be interesting.

What to remember:

• The rates of booklet A and LDDS were lowered from 2.4% to 1.7% on August 1, which will lead to a significant decrease in gains for savers. For example. it takes almost 200 euros less for a booklet A to the ceiling over the year
• To limit the loss, it is advisable to feed or withdraw funds from these booklets precisely the 1st or the 16th of the month, because interest is calculated according to the rolle
• Adopt this tip, even if it you risk losing big, here only generates modest gains each time, can maximize the performance of its investments over several years

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