Corentin Alloune / Photo credit: Nicolas Guyonnet / Hans Lucas / Hans Lucas via AFP 16:36 p.m., May 19, 2023

Managing your money better in times of inflation can be perilous. Our columnist of "Bienfait pour vous", Sophie Brafman, shares her advice to save well, especially with different bank accounts. Beyond the famous Livret A, which has a 3% rate of pay in 2023, there are other ways to save.

In times of high inflation, the wallet of the French takes a hit. They will even have to be patient for a few more months to see this downward trend. Inflation will remain high until the end of 2023. It is estimated between 5.5% and 6.5% and should decline to around 3% by 2024, said the OFCE in April in its economic outlook.

So Sophie Brafman, columnist for the show Bienfait pour vous, gives her advice on how to save in the bank in a clever way to be a winner at all levels.

The Livret A: the safest investment

The preferred investment of the French remains the Livret A. Held by 8 out of 10 French people, that is to say by 55 million people, it remains a good investment and has known, since 2023, a rate of remuneration of 3%. A figure that has not been reached since 2010, a remuneration that is multiplied by six in one year.

>> Find all the shows of Mélanie Gomez and Julia Vignali from 11am to 12pm on Europe 1 in replay and podcast here

This booklet is interesting in the sense that the investment is secure, net of tax and presents available savings. "You have the guarantee on the capital you deposit," adds Xavier Perrin, marketing and communication director at Boursorama. This investment is then a cash reserve. But it is possible to own only one. It is savings over a short period of time.

Other alternatives to Livret A

There are other ways to save net of taxes and available savings. Depending on the bank, there are different models that remain just as secure. For example, at Boursorama, the Bourso+ booklet with 2% return, allows you to deposit up to 30,000 euros. It is not conditioned over a given period.

>> READ ALSO – Why getting angry is also a benefit

There is also the "LDD" in the CIC, the descendant of Codevi. This sustainable development booklet, capped at 12,000 euros, is also 3% net like the Livret A. On the Crédit Mutuel side, there is the "Livret A Sup". Small flat, capped at 77,050 euros, you have only 3% interest up to 22,950 euros and after this sum, you will have 0.5% interest. But at least the advantage is that the money is available and has a reserve of savings immediately and immediately. The passbook is certainly not an investment, but it is a guaranteed and secure investment.