While the Livret A still offered 3% at the beginning of the year, the prospect of a rate of 1.7%* on August 1, 2025, reinforces the interest in alternatives capable of preserving the profitability of savings.
The Livret A savings account would thus fall below the symbolic 2% threshold , with a real return likely to become negative in a period of moderate inflation.
But the Livret A is not an isolated case: other regulated savings products such as the LEP, the LDDS or the PEL should mechanically follow a similar trajectory.
A recent parliamentary report highlights the consequences of this dynamic: 4 out of 10 French people would consider abandoning the Livret A savings account if the rate fell to 1.75%.
In this context, many savers are led to reconsider the allocation of their savings , seeking more sustainable and better-remunerated solutions.
Solutions such as MyMarguerit fit into this dynamic, combining stability and visibility on performance, without depending on short-term interest rate conditions.
*in accordance with the regulatory calculation formula. This change is based in particular on an average six-month inflation rate estimated at 0.85% and an €STR of 2.46% .
