Meanwhile,
This old placement increasingly closed,:
It is in the old pots that we make the best jams … However, This old culinary adage is far from being able to apply in financial matters. Consequently, Although … Consequently, there is currently a placement, several decades, which offers unrivaled yields.
Let us first recall a basic principle. Meanwhile, The profitability of a placement, whatever it is, is always proportional to its volatility and its degree of risk. Furthermore, The purchase of shares. for example, has a high part of risk but it is the most remunerative placement in the medium and long term. For example, If we agree to sometimes lose part of your bet.
Another principle to be recalled: the yield of a placement must always be compared with the inflation rate. Several decades ago, the monetary SICAVs brought back 10% per year, but inflation exceeded 12% … this old placement increasingly closed, The saver was therefore ready.
Regulated savings products (booklet A, housing savings, etc.) also take this key factor into account and their yield in principle follows the curve of inflation. They are therefore more. less attractive depending on the difference between the price increase and the interest rate set by the public authorities.
But the housing savings plan escapes this rule: the yield is set when opening the plan. remains identical throughout the duration of the plan. Even though the inflation rate has changed over the years.
In the period of high inflation, in the 80s and 90s, the PEL interest rate was therefore quite high. And today, during very moderate price increases, this interest rate is particularly remunerative. To be more concrete, the PEL open from 16/5/1986 to 6/2/1994 serve 4.62% yield. We even reached 6.30% between June 1983 and July 1984. Record rates for a completely secure this old placement increasingly closed, placement, and also fully available.
Especially since the duration of the plan is not limited for the PEL opened before March 1, 2011. Their happy holders can therefore keep them beyond the regulatory duration of 15 years fixed since that date. According to figures from the Banque de France. around two million plans, a quarter of the total, report today more than 3.5 % per year, twice as much as booklet A whose remuneration fell to 1.7 % on August 1. To the delight of the savers concerned.
According to the latest data from the Banque de France on regulated savings published in July. the number of PELs is down sharply in France, with the closure of almost a million plans between 2023 and 2024. And this phenomenon will intensify in the years to come. A trend that should not, however, influence two million savers which must absolutely keep this this old placement increasingly closed, placement.
This old placement increasingly closed,
Further reading: Financial status of capital mobility: no “scandal”, recognizes the opposition – American customs: the EU “has the tools to defend itself” – more than 2,000 French companies impacted – The report which deconstructs the figure of 211 billion aid to companies – “George butter”: two Genevans revive the grandfather’s sauce.
