The level of remuneration of the Livret A will increase in February 2023. The rate is currently 2% and could climb around 3%, or even 3.2%. The rate of the Sustainable and Solidarity Development Booklet (LDDS) will follow the same line and that of the People’s Savings Booklet will exceed 6%.
It’s official. The Housing Savings Plan (PEL) will be raised to 2%, against 1% currently, on January 1, 2023. This is the first increase in the PEL rate for 22 years, the last dating back to the year 2000, according to the government.
On Friday, the Governor of the Banque de France, Franois Villeroy de Galhau, also confirmed on France Info that the level of remuneration of the Livret A will increase in February 2023. This will be the third thumbs up contribution to the preferred placement of the French after those of February and August 2022. The rate is currently 2% and could climb around 3%, even 3.2%, against 0.5% a year ago. These figures are however well below inflation, estimated at 6.2% over one year in November.
To calculate the increase, the Banque de France takes the average between, on the one hand, the average inflation rate of the last six months and, on the other hand, the average of the interbank rates, at which the banks of the euro zone s ‘exchange money short term, an index call STR. The Livret A is the investment of the year, offering security, liquidity, zero taxation and an honorable return in the current context, emphasizes Philippe Crevel.
Comparative savings books : 9 offers compare, up 3.50% return
LEP, star of winter
Good news never comes alone, the rate of the Sustainable and Solidarity Development Booklet (LDDS) will follow the same line and benefit from the same rate. Better still, the People’s Savings Account (LEP) will see its remuneration increase from 4.6% to more than 6%, or even 6.5%! Today, 7million people hold an LEP, open under conditions of resources and limit 7700euros, while around 15 million individuals can open one with their bank. Now more than ever is the time to claim it.