The passage of the ELP rate to 2% there will be nothing. In February, the Livret A and LDD have once again lost funds. Investors withdrew 1.2 billion euros in profit (970 million toward the Livret A and 230 million in respect of the LDD).
Although all the figures are not yet known, we can assume that the life insurance and the ELP have again done well last month set the detriment of both books, like the previous month. The last-BPCE ViaVoice survey also left little doubt about the upcoming collection. In February, only 22% of respondents cited indeed the Livret A as a medium of choice to place a savings of 1,000 euros.
In any case, the hole starts to be consistent. Since last May (beginning of the wave of outflows), 12.3 billion euros were withdrawn from the Livret A and LDD. Thus, despite the payment of annual interest in December, outstanding two supports (362.9 billion euros) is now 2.2% lower than it was even in April 2014. For the A single booklet, declining even reached 2.8% (261.2 billion euros).
All this may seem theoretical. But the move could have implications knowing that the Livret A is used as financing reserve social housing.
The question now is to know when will reverse the trend. At present the rate of two booklets (1%) hardly in their favor. And given the current inflation, it is difficult to envisage a more generous compensation in the short term.
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