3 good news despite falling interest rates – Tuxboard

Hard blow to people benefiting from Popular Savings Book (LEP), their rates will drop! But here are the positive effects!

This month of February is scary for savers in popular savings accounts (P). Because its rate of return will decrease! Since February 1, it has decreased from 6% to 5%. But here are three positive elements to consider!

LEP rate drops in February

The popular savings account is finally starting to gain popularity due to its attractive rate last year. In fact, it was set at 6%.

This encouraged low-income families to invest their money there. Especially since his ceiling has exploded significantly. So it went from 7,700 euros to 10,000 euros.

Unfortunately, this good rate P Not sustainable… because it follows the pace of inflation, which is between 2 to 2.5%. So the rate of return in February 2024 is not at 6%…

In fact, the state has therefore decided to set it at 5% to continue encouraging this mode of savings. Good news all the same, as it should be at 4.40%. The Banque de France has therefore made a very nice gesture.

Because it will bring you a very nice amount at the end of the year. With a new limit of 10,000 euros, the P So will allow you to receive several hundred euros. To this day, it is still a good choice.

It is more interesting than Livret A which is only yielding 3% at the moment. So Bruno Le Maire decided to maintain this rate until 2025. However, the French continue to prefer the Livret A.

Many people are unaware of its existence P. More than 8 million households don’t know if they meet the criteria to open one. The Banque de France estimates that 15 million people could open one.

However, only 9 million people have subscribed to it. But in May 2023, 52% applied to open one. compared to 37% at the end of 2021. So there is change!

Despite these drawbacks, there are advantages here

So you understand, the P is more profitable. And this, even at 5%. So don’t forget to invest as much money as possible to get better interest. Attention! Because it is not valid for all French people.

The reference tax income must not exceed €21,393 in the previous year. For an individual, the reference tax income must therefore be at least 21,393 euros for year n-1 or n-2.

And this income must be less than or equal to 31,602 euros for year n-1 or n-2 for the couple. The P So the most humble is for those who receive less than 1,868 euros per month.

If you want to expand your interests, our colleagues in the plastics industry advise you to study the stock market better: “This change in passbook rates is part of a broader movement in the market to set aside money. »

“By looking at how rates are perceived to change, people’s preferences and other ways to protect the economic situation, we can see where we are going. » This helps the savers to make the best decision.

With investment diversification, you therefore have the potential to better manage risks. Our colleagues add that the LEP rate cut reflects a change in the financial world.

This forces banks to be creative. So they can adjust their offers. Don’t hesitate to inquire for more information on the best offer that suits you best.