A sword in the water. The French have barely drawn on the savings of their employees. By mid-December, around one billion euros had been withdrawn according to a professional in the sector. Except for improbable acceleration on the last straight, it is therefore a failure. This figure represents only 1% of the potentially unlockable amounts. It is also half that during the previous exceptional release measure implemented by François Hollande in 2013. At that time, these results were already considered disappointing.
many conditions
It must be said that the device was highly supervised. These were only amounts invested before January 1, 2022. The withdrawal had to be made in one go, within the limit of 10,000 euros. Finally, the amounts released must be used to finance the purchase of goods or services and cannot be reinvested in other savings schemes. This may deter some savers.
A measure that does not reach its objective
But for employee savings professionals, the main explanation lies elsewhere and this measure was in any case doomed to failure. In question, they explain: the rule change in 2008. Since then, employee savings are no longer necessarily blocked for a period of 5 years. Employees can decide each year to get their money back immediately.
On the contrary, those who decide to invest their money are those who have the capacity to save. For them, the exceptional release is of no interest. An expert summarizes: the measure does not address the right audience.
Source: BFM TV
