In September, French households withdrew €5.2 billion from their Livret A, LDDS and LEP accounts, according to the Cercle de l’Épargne. The Livret A recorded €1.52 billion in net withdrawals, the LDDS €700 million and the LEP €3 billion. With inflation at 3.4% and the Livret A rate at 1.7%, its real return stood at -1.7%, while cumulative withdrawals reached nearly €7 billion over nine months. The Cercle de l’Épargne forecasts a negative balance of €9 billion to €10 billion for 2026, despite a possible rate increase to 2.5% in February 2027. The article contrasts this guaranteed but low-yield savings with Bitcoin, whose high volatility makes it unsuitable for precautionary savings.
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Disclaimer: this content is for information purposes only and is not financial advice. Cryptocurrencies are highly volatile: you may lose all of your capital. Always do your own research. Legal notice
