Recipes to optimize your savings in 2023


The Livret A should see its remuneration increased to 3% on February 1, 2023. On the right, the Euronext headquarters in La Défense (92) . The CAC 40 suffered a loss of 9% in 2023. 24880133/Unclesam – stock.adobe.com

DECRYPTION – Inflation is penalizing. But rising rates offer opportunities.

The return of inflation is enough to worry the French who have money aside. In periods of sharp price increases, the sums saved, when they yield little or nothing, lose value. However, savers are not without a solution to protect their woolen socks from this erosion. The rise in interest rates, which has been going on for months, is boosting returns on products that have been neglected in recent years.

Certain investments – bond funds, structured products, real estate funds, etc. – now make it possible to do as well as, or even better than, inflation (6.2% in October over one year). To do this, you have to take a little risk or accept that your money is not immediately available. Other pockets of savings – passbooks, term accounts, euro life insurance funds, etc. – certainly do less well than inflation, but allow you to protect your capital, while offering more attractive returns. Rising interest rates aren’t such bad news…

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