After two years of galloping inflation, the economic situation seems to be calming down. Since mid-2024, inflationary pressures have stabilized, allowing the European Central Bank (ECB) to start a cycle of cutting its key rates. In the space of twelve months, the latter has been lowered eight times, paving the way for an easing of credit and a repositioning of savings.

In this context, the Livret A rate is set to fall to 1.7% on 1 August 2025, continuing its slow decline. While this investment remains appreciated for its security and liquidity, it only offers a return below the average inflation observed over the last five years, and above all well below other alternatives available on the market.

The Livret A is therefore gradually losing its historical function of protecting purchasing power. For savers, maintaining significant savings in this vehicle now means, in fact, accepting a loss in the real value of their money!

In this new environment, it is becoming strategic to rethink the management of one's savings. The ECB's rate cut makes certain investments more accessible, particularly in real estate and financial markets. These vehicles, although more exposed to volatility, offer much higher return prospects than those of the Livret A over the medium and long term.

Faced with the loss of attractiveness of the Livret A and the increasing complexity of the financial and real estate markets, it is becoming essential not to navigate alone. Each saver profile is unique, with different objectives: to secure their capital, generate additional income, prepare for retirement or pass on assets.

It is in this context that our firm positions itself as a trusted partner, offering personalized support at each stage of the investment process. Thanks to a detailed analysis of the investor profile, the asset situation and the investment horizons, we help our clients select the assets best suited to their needs.

Whether it is real estate products (SCPI, LMNP, direct real estate), financial solutions (life insurance, securities accounts, structured products), or more specific opportunities such as private equity and thematic funds, our mission is clear: to provide high-performance solutions that are consistent with each person's objectives.

Finankap Conseil, always at your side to bring your projects to life.