booklet A, PEL, life insurance… What return is expected in 2023?

Booklet A and booklet on sustainable and solidarity development (LDDS)

The rate for these two investments (currently 2%) is regulated. In January, the governor of the Banque de France will recommend a rate, generally followed by the government, “according to inflation and money market rates for the last six months”, says Philippe Crevel. From 1eh February, “we can expect about 3%,” he continues. The “real return” will therefore remain negative with respect to inflation: “We don’t make money with life right A, but it is always better than the 0% we have on the current account. »

People’s Savings Account (LEP)

“There are two ways to set your rate, recalls Philippe Crevel. Either with booklet A increased by half a point or with the inflation rate over the last six months. The higher of the two is retained. “The revaluation of 1eh February should therefore be based on the level of inflation: “The rate is currently 4.6%, it should fall to 6%”, assures Philippe Crevel.

The product is attractive but not available to everyone because it is means-tested (less than 20,297 euros per year for a single person).

Housing savings account (CEL)

“The CEL speed corresponds to two-thirds of that in booklet A, explains Philippe Crevel. Currently it is at 1.25 per cent. If booklet A goes well to 3% on 1eh February, CEL will be 2%. »

Housing savings plan (PEL)

Fixed at the start of the contract for its entire duration, the PEL rate has been 1% since 2016. This Thursday, Bercy announced that it will drop to 2% on the 1st.eh January 2023. Those who have a PEL of 1% could make money by closing it, assures Philippe Crevel: “We can transform it into a CEL because it is the current rate at the time of transformation that applies, i.e. 1.25% and probably 2% on the 1steh February. So we get a higher return and then it will be possible to open a new PEL of 2%. »

Regarding the possibility of taking out a mortgage loan, another part of PEL, the rate will go from 2.2% to 3.2%. On PELs opened since 2016, this 2.2% loan has “become interesting again” in light of interest rates that have risen sharply (currently 2.15%). “If you have a real estate goal, it may be interesting to keep your old PEL”, assesses the economist.

Life insurance euro funds

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