If 2023 was a complicated year, 2024 could well prove to be under better auspices, especially for those who have thought about investing their money in the different savings accounts existing. It must be said that with the month of December, the checks sometimes given at Christmas, the bonuses given by the employer for the end-of-year holidays, the 13th month… Some people had enough to put aside. A way to protect yourself against inflation, and above all to obtain more or less attractive returns.
The popular savings account: the nice surprise of the year
So we start with the nice surprise of the year: the Popular Savings Account. Created in 1982, aimed at people with the lowest incomes, this means of saving has a more than attractive rate this year. From 6.1% at the start of last year, it rose to 6% in August, and even saw its payment ceiling raised to €10,000. And for those who were able to reach this amount, they will be able to benefit from the maximum amount of €500. The only problem, however: this very interesting rate – 6% – is only valid until the month of January. It will be revised downwards in February, reaching 4.1% instead.
The Livret A and the LDDS: a return as interesting as ever
As for the Livret A and the LDDS (Sustainable and Solidarity Development Booklet), the information is also rather interesting, although the yield is less significant than that of the Popular Savings Booklet. For Livret A, for example, the rate is set at 3% until January 2025. Savers who have chosen it throughout 2023 will be able, for those who have reached the average sum (€5,800), benefit from 174€, when those who have reached its ceiling will be able to benefit from 688.5€. Very often taken as a supplement to the Livret A, the LDDS is set at the same interest rates as the latter. Its rates of return will therefore not exceed 3% until January 31, 2025. Those who have invested in this savings account will therefore have access to the modest sum of €360 (for those who have reached the ceiling of €12,000 ).
The PEL and CEL: less attractive returns
Finally, those whose savings consist of a Housing Savings Plan (PEL) or a Housing Savings Account (CEL) will not necessarily be winners this year. Although the rates of the first were revised upwards from January 1 of 2024, the latter remain low: from 2% in 2023, they rise to 2.25%. Taking into account the single flat-rate deduction (PFU), to which this savings is subject, this reduces the return to 1.6%. Thus, a person with the average amount on their account of €25,580 will be able to claim the sum of €404.17, compared to €966.96 in interest for those who have reached the ceiling. Same story for the CEL, which works in the same way as the PEL, but which will not see its rate change at the start of the year. With a rate of 2%, those who have reached the ceiling will not be able to have more than €214.