2023-04-23 11:10:54
Since February 2023, the investment rate has increased to 3%, which represents a significant increase compared to the initial rate of 2% in July 2022. This increase is excellent news for the tens of millions of savers who have chosen the livret A as a safe and stable investment option.
Indeed, this rate has not been this high since 2009, which means that savers can expect higher returns on their investment. In addition, this favorable situation should also encourage people who were hesitant to invest in the Livret A to consider it as a viable option for their savings. In summary, the increase in the passbook A investment rate is excellent news for French savers, who will be able to benefit from higher returns without taking unnecessary risks.
A very widespread investment in France, but it is subject to special rules which must be respected.
The Banque de France is a strong supporter of this financial product, which has been hugely successful in 2022 thanks to its simplicity, promotion and high rate of return. This investment is offered by all banks, including online. It is very popular with the French, which makes it the “preferred investment of the French”.
However, it is important to remember that this investment is subject to certain rules, including tax. If these rules are not followed, it can lead to problems with the tax authorities. Therefore, it is essential to fully understand the specific rules that apply to this investment, in order to avoid any potential problems with the tax authorities.
Furthermore, it is important to note that this investment also offers additional advantages, such as flexible withdrawal options and competitive interest rates. In summary, although this investment is simple and popular, it is important to take the time to understand all the rules and associated benefits in order to maximize the benefits of this investment choice.
It is forbidden to have several Livret A accounts and this can result in a fine.
The Ministry of the Economy has taken measures to limit the possession of several Livret A accounts. This measure aims to encourage savers to invest in other types of savings accounts. If you already have a Livret A, you cannot open a second account in another bank. This rule has been in place since January 1, 2013 and banks systematically check whether you already have a Livret A before opening a new one.
In case of violation of this rule, you risk a tax fine. According to Section 1739A of the Tax Code, the fine may be less than 50 euros or exempt if the excess amount is less than 2,500 euros. If you are taken with a second Livret A, you will have to pay 2% of the excess amount. However, it is important to note that this fine does not apply if you have a second Livret A as a proxy for another person.
It is also important to point out that the Livret A remains a popular savings account in France, largely thanks to its attractive interest rate and its availability in all banks. However, it is important to consider other investment options, such as futures or stocks, to diversify your investment portfolio.
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