“Offers will flourish with the rise in rates”: these opportunities to seize to boost your savings without taking too much risk

The rise in interest rates, a consequence of the feverish surge in inflation linked to the war in Iran and the indebtedness of states that are too expensive, will weigh heavily on the world economy. France now borrows at 4.5% and the central banks (the ECB, the Fed) are gradually increasing their key rates to combat rising prices. This movement increases the cost of credit for countries, businesses and individuals.

But it also has a corollary. It improves income from interest rate products: bonds, savings accounts, euro funds, etc. Enough to offer opportunities to French savers, whose nest egg is abundant and who are for the most part risk averse. And other asset classes that are traditionally more profitable (shares, real estate) can open up great prospects, but on condition of being very selective because they are also more risky.

Even more appetizing euro funds French savers can rub their hands. The Euro life insurance fund, one of their favorite investments, risks being the big winner from the current surge in rates. The euro fund is mainly made up of government bonds.

When the remuneration of the latter increases, insurers invest their money better, and mechanically improve the overall performance of their fund. “With the rise in rates we could see returns of around 3% on average for 2026,” estimates Cyrille Chartier-Kastler, founder of the specialized site Good Value For Money. Even better than in 2025 (2.65%), already a good year.

But even better. Insurers should roll out the red carpet for savers. How ?

Machine-translated from French