Orange with 6Medias, published on Thursday, January 05, 2023 at 6:17 p.m.
If galloping inflation puts a blow to the purchasing power of the French, it will also be, in part, responsible for the increase in the rate of the livret A, as well as other savings plans, reports actu.fr, Thursday, January 5.
Responsible for the rise in prices which affects all areas of French daily life, ranging from food to energy, inflation is putting the purchasing power of the French in difficulty. In response to this general price increase, the rate of several savings plans, in particular the livret A, should be aligned with inflation, reports actu.fr.
Very popular with the population, the Livret A could prove to be more lucrative than usual since its rate could reach between 3.20% and 3.30% from February 1, 2023, a first since 2010.
This increase is explained by the inflation rate estimated at 6.12% between July and December 2022, combined with interbank rates, the average of which reached 0.349% over the last six months of 2022. If this range is not for the n hour that an estimate, the height of this rate will be known on January 15 and will have to be validated by the State, which has control over the final decision.
The popular savings account is on the rise
The livret A should not be the only savings solution to see its rate increase at the start of 2023. The popular savings account (LEP) should experience a similar surge to that of the livret A. And it is not a coincidence since the rate of the latter partly defines that of LEP. Thus, the rate of this savings plan could align with the rate of inflation and reach 6.2%, a record for thirty-eight years. For comparison, it was set at 2.2% last year. The sustainable and solidarity development booklet (LDDS) is modeled on the booklet A and will therefore experience the same increase estimated between 3.2 and 3.3% in 2023.
Finally, the PEL or housing savings plan has doubled its profitability from 1% in 2022 to 2% in 2023. If the increase does not reach the heights of the Livret A or LEP booklet, its increase is in itself an event. . “This is the first rise in the PEL rate for twenty-two years, the last dating back to the year 2000”underlines the Minister of the Economy, Bruno Le Maire.