Despite the lower yield, solutions exist for better how to grow their savings without taking risks.

Frozen, the rate of the Booklet Has remained stuck at 0.75 % since August 2015. This is the lowest level ever, well below inflation ! This is, in fact, rise to 1.4% year on year in January 2019, after peaking at 1.9% at the end of 2018. Despite the efforts of the Bank of France to penalize the investments of cash, and the discourse of professionals denigrating often “these booklets do not protect the more your purchasing power” (for a better offer investments more profitable for them), investors continue to support the booklets regulated. For the bicentennial of the Booklet Has, in 2018, they have paid 10 billion euros, almost as much as in 2017 (10.2 billion of payments), bringing its outstanding amount to 284 billion euros of savings.

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five years ago, in February 2014, the governor of the Bank of France was already criticising the fixing of the rate of the Booklet Has by the State that it considered it too high (at 1.25 % at the time). Since then, the State has complied with the wishes of the ECB, so much the worse for the purchasing power of savers, by freezing the rate of the Booklet Has at 0.75 % until February 2020. But it might come back on his promises and change his mind earlier.

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The French more ants than the cicadas

This is not discouraging, however, not the investors, on the contrary. One of the paradoxes of this “financial repression,” which penalizes the precautionary savings is that it pushes more concerned to save more, and left to tighten the belt, to compensate for the low profitability of their economies. “In 2018, the French have been rather ants that cicadas, the savings rate has reached 15.6 per cent of disposable income in the third quarter,” said Philippe Crevel, director of the Cercle de l’epargne.

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No investment in the short-term competes with the Booklet, and especially not ones that offer gains huge risk-free on the Internet, as these improbable booklets of 8 % under all of the scam, pure and simple. It must be remembered. The Booklet offers 0.75 per cent interest per annum without taxes or fees. The payments are capped at 22950 €, but interest will continue to accumulate beyond that. We can complete a Booklet of sustainable development and solidarity (LDDS), ex – Codevi), also without taxes or fees and at the same rate of 0.75 % that the Booklet Has, with a ceiling of payments of 12000 €.

Only the short-term investment better paid, the Livret d’épargne populaire (LEP), to 1.25 % with no fee or tax shall not exceed 7 700 €, but reserved to the taxpayers to the less wealthy, for example those with an income tax reference less than 30000 € for a couple in metropolis, or 41000 € with three units of family quotient.

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Fill in the Booklet and its LDDS

Admittedly, everyone does not have the means to fulfil its Libretto and its LDDS, but get your fill of these investments is the priority to better manage its availability. There is room for a lot of French : almost 95 % of the Books are below their ceiling 22950 €. With respect to LDDS, 83 % are below their ceiling of 12,000 €. Especially, nearly two-thirds of households do not have LDDS, while 73 % of them have a Booklet A.

The booklets regulated remain in any case a better alternative than other short-term investments. More than 450 billion euros to sleep on the current accounts of individuals and associations, to 0 % ! As for the famous Sicav monetary and other cash funds, their capital is whittled away by fees and rate “negative”, leading to losses systematic about 0.5% per year on average, and often more.

For those with a full Booklet and LDDS, there are better solutions than letting his money to sleep, or melt on these investments, without interest.

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Even if their rates have also melted, banks, car manufacturers still sell books and accounts to term to be relatively competitive. While the accounts on the books (CSL) of the major banking networks or online banks do not pay more than 0.1 per cent before tax (7 € net interest per year for 10000 € placed), the livret Zesto by RCI Bank (Renault group) earns 1 % gross, 70 € net per year for 10000 € placed. And over three years, RCI Bank guarantee of 1.5% gross annualized on his account to term progressive Pepito. PSA Bank offers a rate promo on his booklet Distingo with a € 40 bonus for any first opening of the account before the end of march, leaving a balance of € 20.000 until the end of June. His performance, all-inclusive, can reach a total of 1.55 % before tax.

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Retain old ones PEL 2.5%

Other investment that is secure, Plan, housing savings (PEL) has long served as a reserve security in the medium term. It allows you to place up to 61200 €, at a rate fixé from the start for its entire duration. The ELP is not flexible, as they must keep at least four years to enjoy its benefits, and any withdrawal leads to its closure. But you can make payments for ten years and keep as many as you want.

for example, 63% of the holders of PEL open between August 2003 and January 2015 have an interest rate of 2.5 %. They do not undergo that 17.2% of social contributions for the first twelve years, or a net return of 2.33 %. Has keep !

On the other hand, open a PEL today is not interesting : its interests are reduced to 1% and taxed as of the first year, so that there is a 0.7 per cent net. Unless the Booklet A. similarly, the PEL open since march 2011 are limited to fifteen years. After that, they are automatically converted into accounts on the books, uninteresting.

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life insurance in euros, from a single to a double

above a reserve of sufficient safety, investors looking for better returns without any risk have an interest to turn to the euro funds of the life insurance. In 2018, the French still have placed nearly 100 billion euros on the euro based funds without the risk of their contracts, more than 70 % of their payments for life insurance.

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All these funds are not in the same boat. After deduction of social contributions (17.2 per cent), the least successful contracts in banking networks surpass just the Booklet A. In 2018, the less fortunate have had returns of 1.1 % gross (0,91 % net) savings banks (contracts Initiative, Ricochet, Aikido…), 1,2 % (0,99 % net) Credit mutuel (NaviG’Options), 1.25 per cent (1.04 per cent net) from the Banks popular (Horizéo) or Credit agricole (Predissime 9), of 1.30 % (1,08 % net) to The postal Bank (Vivaccio, GMO); and 1.33 % (1,10 %) net to the Company general (Redwood, Ebony).

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The best contracts of insurers and associations of savers can be worth up to two times more (see table). Also watch out for their fees on payments, which decrease the performance. Contracts offered on the Internet is an alternative that is free of charge on payments, with yields correct even if they also reduce.