The French deposited, in 2022, 33.49 billion euros on their booklets A and booklets of sustainable and solidarity development. Stephanie Para/PHOTOPQR/LA MONTAGNE/MAXPPP
DECRYPTION – With this money, the Caisse des dépôts finances more and more missions other than social housing.
Livret A, investment of the year 2023? The increase in its rate to 3% net of tax on 1er February makes it one of the best savings products of the moment. Much more profitable than the funds in euros of life insurance contracts. Undoubtedly, the French will continue to abundantly fill this woolen stocking, without risk and liquid. In 2022, seduced by the increase in remuneration, which rose from 0.5% in January to 2% in August, they deposited 33.49 billion euros (net inflows) in their booklets A and sustainable and solidarity development booklets (LDDS). At the end of 2022, total outstandings reached €509.7 billion.
As its name suggests, the regulated savings circuits are precisely padlocked. Only a minority (40.5%) of the sums deposited in passbooks remain on the balance sheets of the collecting banks. The balance (59.5%) is centralized at the Caisse des dépôts (CDC) via a dedicated savings fund. The surge in fundraising therefore reinforces the strike force of this fund, which is unique…
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