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This is the story of a disenchanted. According to data released Thursday, August 21 by the Caisse des Depots (CDC), withdrawals from the Booklet A were higher than the deposits of 1.08 billion euros in July.
For three months, the collection of favorite household savings product has been declining. In June, the French had already withdrawn 130 million euros and May, 90 million. In other words, the movement is gaining momentum. If the net inflows were positive in the first seven months of the year, to 1.2 billion euros, it is far from the amount recorded a year earlier, to € 15.5 billion.
The reasons for this lack of interest? The Booklet has not reported enough, consider investors. On July 10, the government announced the lower rate of pay – from 1.25% to 1% – from 1 st August. A record low, as determined by a formula taking into account the low level of inflation fell to 0.5% in France in July, according to INSEE.
According to this calculation method The rate of Booklet A, revised twice a year, should even have to drop to 0.5%. Bercy nevertheless chose to limit the drop to 1%. A move that was not enough to convince the French …
Read: What plan B facing the falling rate of Booklet A
? SAVINGS RATE RECORD
This outflow comes as the household savings rate has never been higher: it amounts to 15.9% of gross disposable income at the end of the first quarter, against 14.7% in late 2013, according to the Bank of France. This is the highest level since the peak of 2009.
“Ango isses about the economy, households are cautious,” Philippe Crevel summarizes economist circle of investors, who nevertheless expects a slight decline in the rate in the second half.
“This is the time when families dig into their reserves to fund vacations, pay the last installment and prepare the third school year “, he said. This means that the outflow of A booklet should continue
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According to the CDC, the flow French savings is captured mainly by higher-paying investments. Starting with life insurance, including net inflows rose to 10.3 billion euros in the first quarter, according to the French Association of insurance. It’s almost as though the whole year 2013, in fact, life insurance now accounts for over 38% of household financial assets.
They also turn to a lesser extent, to housing savings plan (PEL) and the Popular Savings Plan (PEP). Booklet Sustainable Development (LDD), yet paid at the same rate as the passbook, recorded positive inflows in July (20 million euros). And that, mainly for practical reasons.
While Booklets A long distributed exclusively by the Savings and the Post Fund is still far managed by these institutions, LDD, are more frequently opened in the bank where it has its current account. Transfers from one to the other are easier. “The French also leave more cash in their current account, in order to quickly dispose if need” says Crevel. Sign, again, of their concerns about the economy
Figure out what you really pays your savings
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This module allows you to calculate the net return on your investments based on your situation. You can set your tax bracket (TMI), your tax rate to the ISF, and even the exceptional contribution on high income, then enter the rate of your savings and the level of inflation .
| Slice tax | Slice ISF | Contribution high incomes | Inflation rate |
| % | % | % | % |
| Permit A / LDD | SARA | Fixed Term, Booklet B, REITs ... | |
|---|---|---|---|
| Profitability | % | % | % |
| Slice marginal tax | 0.00% | 0.00% | |
| net social levies CSG déd. | 0.00% | 0.00% | |
| contribution on high income | 0.00% | 0.00% | |
| inflation | |||
| Slice marginal ISF | |||
| Net profitability |
| Contracts of life insurance | 4 years | Income tax * | ||
|---|---|---|---|---|
| Profitability | % | % | % | % |
| Slice marginal tax | ||||
| net social levies CSG déd. | ||||
| contribution on high income | ||||
| Inflation | ||||
| Slice marginal ISF | ||||
| Net profitability |
| Transfers of securities * | 2 years | & gt; 8 years | |
|---|---|---|---|
| Profitability | % | % | % |
| Slice marginal tax | |||
| net social levies CSG déd. | |||
| contribution on high income | |||
| inflation | |||
| Slice marginal ISF | |||
| Net profitability |
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