It was expected. Faced with inflation that has continued to accelerate in recent months, Bruno Le Maire confirmed this Friday an increase in the Livret A remuneration rate to 3% on February 1, compared to 2% so far. A level not seen for 15 years.
Pour rappel, le taux de rémunération du Livret A peut être révisé tous les 6 mois avec effet le 1er fevrier et le 1er août en s’appuyant sur un calcul tenant à la fois compte du niveau de l’inflation et et des taux interbancaires de short term.
Assuming that the Livret A rate remains at 3% until the end of the year, after being set at 2% in January, the average return on the most popular investment in France will amount to 2.91% in all of 2023.
Specifically, if you had €5,000 in your savings account at the beginning of January (that is, more or less the national average) and you do not make deposits or withdrawals throughout the year, you will receive €145.50 in interest on December 31 , compared to 100 euros if the rate had remained at 2%.
To estimate your potential earnings, you can use the calculator below adapted to the new rate:
Remember that despite this boost, the real profitability of Livret A remains negative as the inflation rate, estimated by the government at 4.2% in 2023, is still higher than the new rate of remuneration. This means that money placed in a Livret A loses its value over time.
The rise in the Livret A rate continues to be good news for savers. On the other hand, it is less well received by local authorities and social housing players, whose CDC loans are often indexed to this rate. But also by the banks that keep part of the deposits in their coffers.
Source: BFM TV
