If the economic indicators are green, those of household purchasing power are increasingly turning red.
In question: the current inflation which leads to a rise in consumer prices (2.9% between January 2021 and January 2022 according to INSEE).
While food products and the cost of energy are soaring at the checkout, it was time for the State to revalue the regulated savings of households to prevent them from depreciating.
This has been done since February 1, 2022.
Livret A at 1%
The formula for calculating the Livret A account takes into account the short-term monetary interest rate, but also fluctuations in inflation over the last six months.
In view of the current situation, the Banque de France has therefore recommended raising the rate of return on this very popular household product to 1%, whereas it had been maintained at its floor level of 0.5% since 2020. good news for the 54.9 million French people who have this regulated booklet, according to figures from the Observatory of regulated savings.
In practice, however, do not expect miracles.
With an average outstanding balance of €5,000 on this portfolio, this is equivalent to earning €50 in interest per year, compared to €25 previously.
LEP at 2.2%
If we think about it less, it should be noted that the other regulated booklets also benefit from this revaluation.
Most often used in addition to the booklet A and aligned with the rate of remuneration of the latter, the sustainable and solidarity development booklet (LDDS) also goes to 1%.
Same thing again for the youth booklet, reserved for 12-25 year olds and capped at €1,600.
On the other hand, the formula for calculating the popular savings account (or LEP) boosts it more since it goes from 1% to 2.2%.
Enough to give an extra boost to low-income households, since this regulated product is subject to an income ceiling in order to be opened.
In France, 50% of citizens are eligible.
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