2023-05-19 14:36:05
Corentin Alloune / Photo credit: Nicolas Guyonnet / Hans Lucas / Hans Lucas via AFP
In times of high inflation, the wallet of the French takes a hit. They will even have to be patient for a few more months to see this downward trend. Inflation will remain high until the end of 2023. It is estimated between 5.5% and 6.5% and should fall back to around 3% by 2024, the OFCE indicated in April in its economic prospects.
So Sophie Brafman, columnist for the show Well done for yougives his advice for saving in the bank in a clever way in order to be a winner at all levels.
Livret A: the safest investment
The preferred investment of the French remains the Livret A. Held by 8 French people out of 10, that is to say by 55 million people, it remains a good investment and has known, since 2023, a rate of return at 3%. A figure that has not been reached since 2010, a remuneration which is therefore multiplied by six in one year.
This booklet is interesting in the sense that the investment is secure, net of tax and presents available savings. “You have the guarantee on the capital that you deposit”, adds Xavier Perrin, marketing and communication director at Boursorama. This investment is then a cash reserve. But it is possible to own only one. It is savings over a short period.
Other alternatives to Livret A
There are other ways to save tax free and in available savings. Depending on the banks, there are different models that remain just as secure. For example, at Boursorama, the Bourso+ booklet with a 2% return, allows you to deposit up to 30,000 euros. It is not conditional on a given period.
There is also the “LDD” at CIC, the descendant of Codevi. This sustainable development booklet, capped at 12,000 euros, is also at 3% net like the Livret A. On the Crédit Mutuel side, there is the “Livret A Sup”. Small flat, capped at 77,050 euros, you only have 3% interest up to 22,950 euros and following this sum, you will have 0.5% interest. But at least the advantage is that the money is available and presents an immediate and immediate savings reserve. The booklet is certainly not an investment, but it is a guaranteed and secure investment.
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