What changed
2026-07-28 18:26 UTC → 2026-07-30 11:34 UTC ·
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Regulated savings books kept registering net outflows through May 2026, leaving the Livret A balance near €447 billion and the combined Livret A/LDDS pool at roughly €610 billion across 58 million accounts. On The French government confirmed on 15 July 2026 Minister Roland Lescure confirmed that the Livret A interest rate would will rise from 1.5 % to 1.7 % net on 1 August 2026, with the same increase applying rate applied to the LDDS; LDDS and the LEP remained at 2.5 %. Livret Bleu. The adjustment follows the statutory formula that blends six‑month twelve‑month inflation and short‑term (excluding tobacco) with the Euro‑area inter‑bank rates and marks rate, marking the first upward move since early 2023, reflecting a rebound in inflation linked to recent Middle‑East tensions. Life‑insurance assets hit a record €2.162 trillion, up 5.7 2023. The Ministry reiterated the change on 24 July and noted that the LEP remains at 2.5 % YoY, driven by €4 billion net and the PEL at 1.75 % for new contributions. Euro‑fund components continued to out‑perform low‑yield regulated accounts, delivering openings. Analysts estimate an average decadal returns net yield of 2.53 % for assurance‑vie units, 1.85 % for euro‑funds and 6.57 about 1.6 % for equity‑linked units. Low‑cost world‑ETF trackers (0.12‑0.30 % fees) remained popular, the full year 2026, with advisors recommending modest monthly contributions (€50‑€100) and diversified ETF baskets matched a ceiling holder earning roughly €367 of net interest annually. Regulated‑savings books continued to the savings horizon. New data confirm that see net outflows, with €5.93 billion withdrawn from the Livret A/LDDS pool recorded net withdrawals of €5.93 billion between January and June 2026, the largest first‑half outflow since 2008, 2026 and total de‑collection of reaching €6.89 billion. By 30 June the The combined balance fell to €608.3 billion, billion by 30 June, a 0.1 % YoY decline. The Ministry Life‑insurance assets recorded a new high of the Economy and Finance reiterated the 1.7 €2.162 trillion, up 5.7 % rate change on 24 July, noting YoY, driven by €4 billion of net new contributions. New data show that it reverses earlier cuts made net inflows in early 2025‑26 and applies jointly to the Livret Bleu and LDDS, while the LEP stays at 2.5 % and the PEL remains first half of 2026 reached €36.5 billion—the strongest since 2006—with June alone contributing a record €19.3 billion. The total value of contracts stood at 1.75 about €2 trillion, a 6 % for new openings. increase year‑on‑year, bolstered by growing uptake of insurance‑based retirement plans (PER) amid declining returns on regulated savings accounts.