Moreover,
Government announces new decrease rate,:
Almost divided by two. For example, This is the fate that will have been reserved for the rate of remuneration of booklet A during the year 2025. For example, The Ministry of the Economy actually announced on Wednesday July 16. However, that the rate of the first savings book of the French will be lowered, to 1.7 % at 1is August, against 2.4 % currently.
A drastic drop. Nevertheless, which is the second of the year: in January 2025, the booklet A already saw its rate going from 3 % to 2.4 %. However, You have to go back to January 2022 to find such a level of remuneration on this booklet. Consequently, and to May 2009 to observe a drop of 0.7 % of its rate.
“This drop is linked to a decrease in inflation, quantified at 0.8 % in the last six months”says Bercy. who explains that he has chosen to follow the recommendation issued by the Governor of the Banque de France. Reviewed twice a year. the rate of the booklet has followed the same calculation formula since January 2021, which takes into account, in addition to inflation, the monetary policies set by central banks.
High savings rate – Government announces new decrease rate,
This new decline comes while the household savings rate is at a historically high level: 18.8 % of their gross overall income, according to INSEE government announces new decrease rate, figures, published in late May. According to the circle of savings. for the holders of booklet A, which would place an average of 7,100 euros on it, this new drop in the rate would lead to a “Lack of winning” of “49.70 euros per year”.
French savers could then redirect themselves to life insurance contracts in euros. more remunerative and also considered to be less risky. “” On funds in euros. we have observed record collections since the start of the yearspecifies Philippe Crevel, economist and director of the circle of savings. Their yield government announces new decrease rate, is considered more attractive, since it is around 2.6 % ”.
In May, life insurance contracts (euros in euros and account unit included) recorded a net collection of 13.9 billion euros, according to the latest figures communicated by France Insurers, on June 27. A record for a month of May. while the total outstanding represented by these contributions reached for the first time, in January 2025, the 2,000 billion euros. Or four times more than Booklet A, weighing 444 billion euros in April, according to Bercy.
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