2023-12-29 10:34:34
In 2023, regulated savings accounts brought in a lot of money due to high remuneration rates. In 2024, the situation will change for the LEP, whose current remuneration rate will be revised downwards. The performance of Livret A, on the other hand, will be maintained at 3% until February 2025.
In February 2023, the Livret A rate, and therefore the LDDS, increased from 2% to 3%, reaching its highest level since 2008. The Popular Savings Booklet (LEP) also experienced historic progress, with a rate which reached 6.1% in February, then stabilized at 6% since August 1. The question now is whether this positive situation will last throughout the new year.
For January 1, 2024, regulated savings accounts should generate record interest. For example, a Livret A might earn you around 670 euros, a Sustainable and Solidarity Development Booklet (LDDS) around €350, and a well-used Popular Savings Booklet (LEP) around €485. These savings products have reached record highs in 2023 due to remuneration rates that have not been this high in a long time.
The Livret A maintained at 3% until February 2025
The good news was already announced by Bruno Le Maire last July. Indeed, the remuneration rate of the Livret A, very popular in France, will remain at 3% until February 2025. According to Philippe Crevel, economist and director of the Cercle de l’évolution, this freeze will keep the Livret A among the most popular investments. more advantageous.
« There aren’t many that offer such a rate, with a capital guarantee and no taxes. In addition, its real return will be positive this year (…) Its return was negative, which is not completely satisfactory. But it remained most interesting and above all had the merit of offering visibility to savers. The full benefit of this Bercy measure must be verified in 2024, when inflation should fall back below 3%.”he explained.
What scenario for LEP in 2024?
Regarding the LEP, its rate follows the average inflation excluding tobacco observed over the last six months. With the expected drop in inflation, its rate might therefore drop to 4.1% in February 2024. Philippe Crevel, of the Savings Observatory, thinks that the Banque de France and Bercy might take action to cushion the shock on the owners of this product. “ To prevent the drop in its rate from being too steep, the LEP might stabilize between 5% and 4.75%. », he predicts.
On August 1, it should fall a second time. “ At that point, inflation is expected to return to around 2%. In all cases, the threshold for Livret A will be at 3%, that of LEP will therefore be at 3.5%. But I think that the government will continue to lower its rate gradually. We can therefore imagine that it will return to 4% at the beginning of August », explains the economist.
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