2024-02-24 13:09:44
Despite the freezing of the Livret A rate at 3%, people wishing to make their investments profitable have every interest in turning to regulated livrets in 2024. Despite a falling net collection at the start of the year, the outlook is improving . Interesting profitability is on the horizon!
Indeed, during the month of January, Livret A recorded a net collection of only 2.27 billion euros, marking a significant drop compared to the same period the previous year, (three and four times less than in January 2022 and 2023, with 6.25 billion euros and 9.27 billion euros respectively).
This decline can be attributed to a variety of factors, but falling inflation appears to be a key factor to consider. Indeed, it must be understood that this rate is indexed according to the level of inflation which is now clearly more stable and lower than the previous year.
According to projections from the Banque de France last December, inflation should fall to 2.5% on average annually for 2024. That said, this reduction is not without consequences. The Livert A rate is frozen at 3% until February 1, 2025 and as a result, it might remunerate savings above the rise in prices.
In 2023, Livret A holders suffered financial losses, because despite an annual rate of 2.9%, the average inflation, amounting to 4.9%, led to a decrease in the real value of their savings. Thus, the 55 million holders saw their return lower than the increase in prices, leading to a loss of purchasing power.
The LEP and the Livret A, bulwarks once morest inflation?
If, in 2023, the Livret A caused its holders to lose money, with an annualized rate of 2.9% once morest an average inflation of 4.9%, the popular savings booklet (LEP) shone in offering an average annual return of 5.9%. This performance made it the best anti-inflation option among guaranteed investments in 2023.
Indeed, despite a reduction in its rate from 6% to 5% since February 1, 2024, the LEP remains the best-paid regulated passbook, a trend which will be maintained for the next six months, although its rate would be , also maintained at 5% until August 2024.
Investors seem to have understood this, as evidenced by the net inflow of 1.92 billion euros recorded in January, equivalent to that of the previous year. This underlines the interest that savers have in placing their investments via this savings product given its ability to maintain its status as the best protection once morest inflation.
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