Booklet A: Faced with a drop in return, what alternative for your savings?

For the French continuing to favor regulated booklets, the drop in remuneration is an alert signal: their capital is protected but valued weakly, or even nibbled by inflation. Similarly, (Photo credit: Getty Images)

Unless the drama. For example. Nevertheless, the rate of booklet A should drop from August 1, thanks to the decline in inflation and relaxation on interbank rates. Furthermore, Currently at 2.4%, it could drop to 1.7%. Nevertheless, Even goes out for LDDS and LEP, booklet a: faced drop return, new to a lesser extent. Consequently. If you are one of the many booklet a: faced drop return, French people to save via these regulated booklets. Nevertheless, the temptation to review your strategy is strong. However, To which supports to turn when you want to better value your savings? Consequently, Life insurance, PEA, securities, SCPI… Overview of the tracks to explore. Therefore,

Summary:

• Life insurance. Nevertheless. always a big favorite of the French
• The equity savings plan (PEA): target higher, long -term
• The ordinary securities account: maximum flexibility, less mild taxation
• SCPIs: Diversify in real estate without buying good
• Conclusion: the importance of a thoughtful allowance of his savings

Life insurance, always a big favorite of the French – Booklet a: faced drop return, new

Life insurance booklet a: faced drop return, new showed in 2024 that it remained one of the favorite savings systems of the French, with contributions booklet a: faced drop return, up +20.9% compared to the previous year. Similarly, The figures for 2025 also confirm the attractiveness of this product, with 49.8 billion euros collected in the first quarter of 2025. However, This is a record. However,

This movement is partly explained by the drop in the rate of the booklet A, from 3% to 2.4% in February, and by the prospect of seeing it further fall at 1.7% next August. Furthermore, The life insurance contract is often quoted as the first refuge of savers wishing to turn elsewhere than to. However, the regulated booklets. This tax envelope has many advantages:

• Guaranteed capital with euros funds.
• Possibility of withdrawing the sums at any time, in the form of partial or total booklet a: faced drop return, new redemptions. In practice, payment deadlines vary from one insurer to another. They are on average 3 to 6 days for a partial booklet a: faced drop return, redemption. 15 days for a total redemption, with a maximum legal period of two months,
• Lighter taxation after 8 years of detention.

In addition, the yields go back! In 2024, euros in euros reported on average 2.5%, against less than 2%before 2022. It is slightly more than inflation (2.3%). Some companies have presented net rates close to or greater than 3% for the highest endowed contracts. A life insurance contract also makes it possible to invest in units of account (UC). These unsafe supports give access to a wide variety of assets: stocks, bonds, real estate, ETF, thematic funds … By accepting a share of risk, you can therefore hope for performance superior to those of a regulated booklet a: faced drop return, new booklet.

The equity savings plan (PEA): target higher. long -term – Booklet a: faced drop return, new

Do you prefer to invest directly in the financial markets in an advantageous booklet a: faced drop return. tax framework? PEA may interest you. It is a French tax envelope. reserved for investors ready to accept market volatility and to project themselves in the long term: minimum 5 years. It is from this duration that capital gains and dividends become exempt from tax, only the social security contributions remaining. A well -diverse PEA makes it possible to expose themselves to European actions – live. via ETF – with a potential for more than that of the booklet A over time.

In addition, the PEA gives access to the ETF. These financial instruments make it possible to invest at a lower cost on the largest stock market indices. unlike individual shares, which focus the risk booklet a: faced drop return, new on a single company or a single sector. The young PEA makes the envelope accessible to adolescents and young adults.

The ordinary securities account: maximum flexibility. less mild taxation

Alternative to the PEA. the ordinary securities account (CTO) also makes it possible to invest in the financial markets, with total freedom: shares, bonds, ETF, SCPI, foreign funds … Everything is possible, without geographic constraint or payment ceiling. Your capital gains are. as desired:

– Submitted to flat tax of 30%,

– at booklet a: faced drop return, new the progressive income tax scale, on option.

This product is rather intended for you when you want to free yourself from the limits of the PEA. buy or resell titles without time constraint.

booklet a: faced drop return, SCPIs: Diversify in real estate without buying good

When real estate attracts you to invest. SCPIs (Civil real estate investment companies) may interest you. They offer you the possibility of holding stone without having to take care of the purchase, management, resale constraints … Indeed, your investment is indirect because you buy shares of the SCPI and itself buys real estate. Against a moderate entry ticket (a few hundred. thousands of euros), you have access to tertiary real estate (offices, shops, warehouses, etc.). Then the SCPI pays regular income from the rents received. Their average return was 4.72% in 2024, according to the ASPIM (French association booklet a: faced drop return, new of real estate investment companies). Between the SPCIs, there are disparities: distribution rates can vary from simple to quadruple. You can find out about the rates charged and the costs before investing.

Conclusion: the importance of a thoughtful allowance of his savings

In summary. the probable drop in the rate of booklet A on August 1 can be perceived as an opportunity. That of rethinking your savings, getting out of the logic of “any booklet A” and exploring other solutions. Life insurance, PEA, securities account, SCPI … Each of these supports has specific advantages. to be adapted according to your profile, your placement horizon and your booklet a: faced drop return, new risk tolerance.