How Much Will Booklets Bring In 2024?

Regulated savings accounts, a savings solution to prioritize

Again this year, rates on regulated savings accounts should allow the French to effectively grow their savings. According to Banque de France forecasts², Their returns will exceed the rate of inflation Announced at 2.5% for 2024. This is especially the case for the three flagship products: Liverate A, LDDS and LEP.

For example, A a booklet At 3% on the ceiling (€22,950) will allow you to earn up to €688.50 in 2024³. The Handbook of Sustainable and Solidarity Development (LDDS)whose rate is also set at 3%, would be able to generate €360 throughout the year if it is at the ceiling (€12,000). Finally, the Popular Savings Book (LEP) Reserved for the most common French people, currently showing a rate of 6% that will increase from 1 to 5%^er February 2024. With the LEP ceiling (€10,000), this investment currently brings its subscribers €50 per month.

“Superbooks”, should not be neglected

Regulated savings accounts are the most profitable but their ceiling limits their returns. To complement and diversify their investments, So the French are encouraged to turn to the banks. The latter offers tax solutions with almost unlimited limits but often at lower rates… Then it is worth turning to “Super Livrets” whose rates are currently aligned with Livret A’s rates.

At the beginning of the year, promotional offers are a must. This is especially the case with Distingo Bank which offers a rate of 4%⁴ For 4 months with a bonus of €80⁵. It’s worth it though Be aware of standard rates. If some online banks offer attractive promotional rates, their actuarial rates often lag behind… except Distingo Bank whose booklet shows a 3% return, like booklet A… a word to the wise!