Livret A at €30,000: €120 more interest, but still losing out in the face of inflation?
The Livret A ceiling will be raised on February 1, announced Sébastien Lecornu this Tuesday, November 3 at the National Assembly. Stuck at €22,950 since 2013, it should rise to at least €25,000, or even €30,000. Good…
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https://cryptoast.fr/livret-a-a-30-000-e-120-e-dinterets-en-plus-mais-toujours-perdant-face-a-linflation/
Prime Minister Sébastien Lecornu confirmed, during questions to the government on November 3, that the Livret A ceiling would be raised on February 1. The exact amount has not yet been decided, but it should be between €25,000 and €30,000, compared to €22,950 today.
This ceiling has not changed since January 1, 2013, after 2 successive increases which took it from €15,300 to €22,950. The government's stated objective is to direct more savings towards financing new nuclear reactors and towards adapting public buildings and infrastructure to climate change.
On the saver side, the gain remains modest. At the rate of 1.7% in force since August 1, a Livret A at the current ceiling brings in €390.15 per year. At €25,000, it would bring in €425, and at €30,000, €510. Or between €35 and €120 in additional interest per year.
The measure will only concern a minority of savers: according to the Banque de France, around 15% of Livret A accounts already exceeded the ceiling in 2025; an excess made possible only by the interest capitalized each year.
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The real problem with Livret A lies in its real return, that is to say its rate less inflation. According to INSEE's provisional estimate, prices in France increased by 3.4% year-on-year in October. With a rate of 1.7%, the real return on Livret A therefore comes out to around -1.7%.
The €120 additional interest therefore does not change the situation. On €22,950, inflation eats away around €780 of purchasing power per year for €390 of interest, i.e. a real loss of €390. Out of €30,000, it erases around €1,020 for €510 in interest: the real loss reaches €510 per year.
Machine-translated from French
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