booklet A, PEL, life insurance… What returns are expected in 2023?

Booklet A and Sustainable and Solidarity Development Booklet (LDDS)

The rate of these two investments (currently 2%) is regulated. In January, the Governor of the Banque de France will recommend a rate, generally followed by the government, “according to inflation and money market rates for the last six months”, says Philippe Crevel. From 1is February, “we can expect about 3%,” he continues. The “real return” will therefore remain negative with regard to inflation: “You don’t earn money with the livret A, but it’s always better than the 0% you have on the current account. »

People’s Savings Account (LEP)

“There are two ways to set your rate, recalls Philippe Crevel. Either by that of the booklet A increased by half a point, or by the rate of inflation over the last six months. The higher of the two is retained. “ The revaluation of 1is February should therefore be based on the level of inflation: “The rate is currently 4.6%, it should drop to 6%”, assures Philippe Crevel.

The product is attractive but not accessible to everyone because it is subject to means testing (less than 20,297 euros per year for a single person).

Housing savings account (CEL)

“The rate of the CEL corresponds to two thirds of that of the booklet A, explains Philippe Crevel. Currently, it is at 1.25%. If the booklet A goes well to 3% on the 1is February, the CEL will be at 2%. »

Housing savings plan (PEL)

Fixed at the start of the contract for its entire duration, the PEL rate has been 1% since 2016. This Thursday, Bercy announced that it will drop to 2% on 1is January 2023. Those who have a PEL at 1% could make money by closing it, assures Philippe Crevel: “We can transform it into a CEL, because it is the rate in force at the time of the transformation which is applies, i.e. 1.25% and probably 2% on the 1is february. So we get a higher return and then it will be possible to open a new PEL at 2%. »

Regarding the possibility of taking out a mortgage, another part of the PEL, the rate will go from 2.2% to 3.2%. On PELs opened since 2016, this loan at 2.2% has “become interesting again” in the face of interest rates which have risen sharply (2.15% currently). “If you have a real estate objective, it may be interesting to keep your old PEL”, ​​judges the economist.

Life insurance euro fund

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