{"id":6781,"date":"2025-06-19T14:15:13","date_gmt":"2025-06-19T12:15:13","guid":{"rendered":"https:\/\/wigl.fr\/?post_type=academy&#038;p=6781"},"modified":"2025-06-19T14:15:15","modified_gmt":"2025-06-19T12:15:15","slug":"le-livret-a","status":"publish","type":"academy","link":"https:\/\/wigl.fr\/en\/academy\/gerer-son-budget\/epargner\/le-livret-a\/","title":{"rendered":"Le Livret A : placement pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais\u2026 mais est-ce encore une bonne id\u00e9e en 2025 ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6781\" class=\"elementor elementor-6781\" data-elementor-post-type=\"academy\">\n\t\t\t\t<div class=\"elementor-element elementor-element-093205e e-flex e-con-boxed e-con e-parent\" data-id=\"093205e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb2341f elementor-widget elementor-widget-heading\" data-id=\"fb2341f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dans un paysage financier parfois complexe, le Livret A s'est impos\u00e9 comme le refuge de l'\u00e9pargne fran\u00e7aise par excellence. Accessible, s\u00e9curis\u00e9 et simple \u00e0 comprendre, ce placement repr\u00e9sente souvent le premier pas dans l'univers de l'\u00e9pargne pour de nombreux Fran\u00e7ais. Mais dans un contexte \u00e9conomique en constante \u00e9volution, est-il toujours pertinent de privil\u00e9gier ce placement historique pour faire fructifier son argent ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048cdc2 e-flex e-con-boxed e-con e-parent\" data-id=\"048cdc2\" data-element_type=\"container\" data-e-type=\"container\" id=\"academy-article-content\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1216927 e-con-full e-flex e-con e-child\" data-id=\"1216927\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a03429 elementor-widget elementor-widget-heading\" data-id=\"3a03429\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Un r\u00e9flexe profond\u00e9ment ancr\u00e9 dans les habitudes financi\u00e8res fran\u00e7aises<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad18c4 elementor-widget elementor-widget-text-editor\" data-id=\"7ad18c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>S&rsquo;il y a bien un produit d&rsquo;\u00e9pargne que presque tous les Fran\u00e7ais connaissent, et poss\u00e8dent, c&rsquo;est le Livret A. Simple, r\u00e9glement\u00e9, garanti par l&rsquo;\u00c9tat, sans frais, sans fiscalit\u00e9 et disponible \u00e0 tout moment : il est per\u00e7u comme l&rsquo;\u00e9pargne de bon sens par excellence.<\/p><p>Aujourd&rsquo;hui, pr\u00e8s de 58 millions de livrets A sont ouverts en France. \u00c0 lui seul, ce produit concentre plus de <a href=\"https:\/\/www.caissedesdepots.fr\/sites\/default\/files\/2025-05\/2025%2005%2022%20-%20Communiqu%C3%A9%20Collecte%20mensuelle%20LA-LDDS%20-%20LEP%20avril%202025.pdf\"><b>444 milliards d&rsquo;euros d&rsquo;encours<\/b> <\/a>: c&rsquo;est \u00e9norme. Et pourtant&#8230; cette popularit\u00e9 cache une r\u00e9alit\u00e9 moins avantageuse qu&rsquo;il n&rsquo;y para\u00eet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a52fcfa e-con-full e-flex e-con e-child\" data-id=\"a52fcfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67fad52 elementor-widget elementor-widget-heading\" data-id=\"67fad52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pourquoi le Livret A reste-t-il si populaire ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5f075 elementor-widget elementor-widget-text-editor\" data-id=\"6c5f075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le succ\u00e8s du Livret A s&rsquo;explique par plusieurs facteurs qui r\u00e9pondent aux pr\u00e9occupations fondamentales des \u00e9pargnants :<\/p><ul><li><strong>La s\u00e9curit\u00e9 absolue :<\/strong> l&rsquo;\u00e9pargne est garantie par l&rsquo;\u00c9tat fran\u00e7ais, \u00e9liminant tout risque de perte en capital<\/li><li><strong>La liquidit\u00e9 totale :<\/strong> les fonds restent disponibles \u00e0 tout moment, sans p\u00e9nalit\u00e9 ni d\u00e9lai<\/li><li><strong>La simplicit\u00e9 d&rsquo;utilisation :<\/strong> accessible d\u00e8s l&rsquo;\u00e2ge de 12 ans, sans conditions de revenus (contrairement au LEP)<\/li><li><strong>L&rsquo;absence de fiscalit\u00e9 :<\/strong> les int\u00e9r\u00eats sont totalement exon\u00e9r\u00e9s d&rsquo;imp\u00f4ts et de pr\u00e9l\u00e8vements sociaux<\/li><\/ul><p>Ces caract\u00e9ristiques en font un outil id\u00e9al pour constituer une \u00e9pargne de pr\u00e9caution, ce \u00ab\u00a0matelas de s\u00e9curit\u00e9\u00a0\u00bb recommand\u00e9 par tous les conseillers financiers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19ac126 e-con-full e-flex e-con e-child\" data-id=\"19ac126\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b2d682 elementor-widget elementor-widget-heading\" data-id=\"9b2d682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Un rendement modeste mais au-dessus de l'inflation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49fcad9 elementor-widget elementor-widget-text-editor\" data-id=\"49fcad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Depuis le 1er f\u00e9vrier 2025, le taux du livret A est fix\u00e9 \u00e0 2,4% net. \u00c0 premi\u00e8re vue, cela peut sembler correct, et c&rsquo;est effectivement sup\u00e9rieur \u00e0 l&rsquo;inflation actuelle estim\u00e9e \u00e0 <strong><a href=\"https:\/\/www.rateinflation.com\/inflation-rate\/france-inflation-rate\/\">0,7% en mai 2025<\/a>.<\/strong><\/p><p>Ce que cela signifie concr\u00e8tement :<\/p><ul><li>Vous placez 1000 euros sur un livret A pendant 1 an<\/li><li>Vous gagnez 24 euros d&rsquo;int\u00e9r\u00eats<\/li><li>Et contrairement aux p\u00e9riodes pass\u00e9es, vous pr\u00e9servez aujourd&rsquo;hui votre pouvoir d&rsquo;achat<\/li><\/ul><p>Cependant, cela reste un rendement faible pour tout ce qui d\u00e9passe une \u00e9pargne de pr\u00e9caution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02cc00b e-con-full e-flex e-con e-child\" data-id=\"02cc00b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd61d2 elementor-widget elementor-widget-heading\" data-id=\"dbd61d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">L'\u00e9volution historique du taux du Livret A<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf7604 elementor-widget elementor-widget-text-editor\" data-id=\"fdf7604\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPour mieux comprendre la situation actuelle, il est instructif d&rsquo;examiner l&rsquo;\u00e9volution du taux du Livret A ces derni\u00e8res ann\u00e9es :\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff83521 elementor-widget elementor-widget-text-editor\" data-id=\"ff83521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table style=\"width: 100%; border-collapse: collapse; text-align: center;\">\n  <thead>\n    <tr>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Ann\u00e9e<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Taux du Livret A<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Inflation<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2022<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2,2%<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">5,2%<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2023<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">3,0%<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">4,9%<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2024<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">3,0%<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2,0%<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2025<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2,4%<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">0,7%<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34214fc elementor-widget elementor-widget-text-editor\" data-id=\"34214fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCette baisse progressive du taux s&rsquo;explique par le ralentissement de l&rsquo;inflation et l&rsquo;ajustement des politiques mon\u00e9taires. Toutefois, les experts anticipent une nouvelle baisse possible \u00e0 2% lors de la prochaine r\u00e9vision en ao\u00fbt 2025.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d6937f e-con-full e-flex e-con e-child\" data-id=\"5d6937f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40882a8 elementor-widget elementor-widget-heading\" data-id=\"40882a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le plafond du Livret A : une limite \u00e0 consid\u00e9rer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f22ad elementor-widget elementor-widget-text-editor\" data-id=\"70f22ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un aspect souvent n\u00e9glig\u00e9 du Livret A est son plafond r\u00e9glementaire fix\u00e9 \u00e0 22 950 euros pour les particuliers. Au-del\u00e0 de cette somme, impossible d&rsquo;effectuer de nouveaux versements, ce qui constitue une limitation importante pour les \u00e9pargnants disposant de capitaux plus cons\u00e9quents.<\/p><p>Pour une famille, cette limite peut \u00eatre contourn\u00e9e en ouvrant un Livret A pour chaque membre du foyer, y compris les enfants mineurs. N\u00e9anmoins, cette contrainte pousse naturellement \u00e0 s&rsquo;interroger sur les alternatives disponibles pour optimiser son \u00e9pargne.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c4c069 e-con-full e-flex e-con e-child\" data-id=\"7c4c069\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4ef6b6 elementor-widget elementor-widget-heading\" data-id=\"f4ef6b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comparatif : que vaut le livret A face aux autres options ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d220a4b elementor-widget elementor-widget-text-editor\" data-id=\"d220a4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour faire un choix \u00e9clair\u00e9, il est essentiel de comparer le Livret A avec les autres solutions d&rsquo;\u00e9pargne disponibles sur le march\u00e9 :<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5981ceb elementor-widget elementor-widget-text-editor\" data-id=\"5981ceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table style=\"width: 100%; border-collapse: collapse; text-align: center;\"><thead><tr><th style=\"border: 1px solid #ccc; padding: 8px;\">Produit<\/th><th style=\"border: 1px solid #ccc; padding: 8px;\">Taux actuel<\/th><th style=\"border: 1px solid #ccc; padding: 8px;\">Fiscalit\u00e9<\/th><th style=\"border: 1px solid #ccc; padding: 8px;\">Risque<\/th><th style=\"border: 1px solid #ccc; padding: 8px;\">Disponibilit\u00e9<\/th><\/tr><\/thead><tbody><tr><td style=\"border: 1px solid #ccc; padding: 8px;\">Livret A<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">2,4% net<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Exon\u00e9r\u00e9<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Tr\u00e8s faible<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Imm\u00e9diate<\/td><\/tr><tr><td style=\"border: 1px solid #ccc; padding: 8px;\">LEP (sous conditions)<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">3,5% net<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Exon\u00e9r\u00e9<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Tr\u00e8s faible<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Imm\u00e9diate<\/td><\/tr><tr><td style=\"border: 1px solid #ccc; padding: 8px;\">Fonds euros (assurance-vie)<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">2\u20132,5% brut<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Faible apr\u00e8s 8 ans<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Faible<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Moyenne<\/td><\/tr><tr><td style=\"border: 1px solid #ccc; padding: 8px;\">Compte \u00e0 terme<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">2\u20133,5% brut<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Imposable<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Faible<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Bloqu\u00e9<\/td><\/tr><tr><td style=\"border: 1px solid #ccc; padding: 8px;\">Placements diversifi\u00e9s (ETF, actions, stablecoins&#8230;)<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">5\u20138% potentiels<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Imposable<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Moyen \u00e0 \u00e9lev\u00e9<\/td><td style=\"border: 1px solid #ccc; padding: 8px;\">Variable<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b951fc e-con-full e-flex e-con e-child\" data-id=\"9b951fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2cad5 elementor-widget elementor-widget-heading\" data-id=\"2b2cad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quelle strat\u00e9gie adopter pour votre \u00e9pargne en 2025 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af7d603 elementor-widget elementor-widget-text-editor\" data-id=\"af7d603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Face \u00e0 ces diff\u00e9rentes options, <a href=\"https:\/\/wigl.fr\/en\/academy\/gerer-son-budget\/epargner\/\">comment organiser efficacement son \u00e9pargne ?<\/a> Les experts financiers recommandent g\u00e9n\u00e9ralement une approche en trois temps :<\/p><ol><li><b>Constituer une \u00e9pargne de pr\u00e9caution<\/b> sur des supports liquides comme le Livret A ou le LEP, \u00e9quivalente \u00e0 3-6 mois de d\u00e9penses courantes<\/li><li><b>Investir pour le moyen terme<\/b> via des placements comme l&rsquo;assurance-vie en fonds euros, id\u00e9ale pour des projets \u00e0 4-8 ans<\/li><li><b>Diversifier pour le long terme<\/b> avec des placements plus dynamiques pour pr\u00e9parer la retraite ou se constituer un patrimoine<\/li><\/ol><div>\u00a0<\/div><p>Cette strat\u00e9gie permet d&rsquo;adapter son \u00e9pargne \u00e0 ses diff\u00e9rents objectifs de vie tout en optimisant le rendement global.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c50e60 e-con-full e-flex e-con e-child\" data-id=\"0c50e60\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd68412 elementor-widget elementor-widget-heading\" data-id=\"dd68412\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les solutions innovantes : vers une d\u00e9mocratisation des placements alternatifs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b31b3d elementor-widget elementor-widget-text-editor\" data-id=\"3b31b3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;univers de l&rsquo;\u00e9pargne conna\u00eet aujourd&rsquo;hui une v\u00e9ritable r\u00e9volution avec l&rsquo;\u00e9mergence de solutions digitales qui promettent de d\u00e9mocratiser l&rsquo;acc\u00e8s \u00e0 des rendements autrefois r\u00e9serv\u00e9s aux investisseurs avertis.<\/p><p>Avec Wigl, vous pouvez placer vos fonds dans des coffres simples et transparents directement depuis l&rsquo;application. En quelques clics, vos euros sont convertis en EURC ou USDC et g\u00e9n\u00e8rent des rendements jusqu&rsquo;\u00e0 6-7% par an selon votre plan (Free, Smart, Premium) et votre grade utilisateur.<\/p><p>Pas de frais cach\u00e9s, pas de paperasse. Vous placez cet argent dans les coffres qui vous rapporte et ce, dans <a href=\"https:\/\/wigl.fr\/en\/get-the-app\/\">une application mobile simple d\u2019utilisation.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5108f6c e-con-full e-flex e-con e-child\" data-id=\"5108f6c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19fe448 elementor-widget elementor-widget-heading\" data-id=\"19fe448\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conclusion : adapter son \u00e9pargne \u00e0 ses besoins et \u00e0 son profil<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23fb92d elementor-widget elementor-widget-text-editor\" data-id=\"23fb92d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le Livret A reste un excellent outil pour constituer une \u00e9pargne de pr\u00e9caution, gr\u00e2ce \u00e0 sa s\u00e9curit\u00e9 absolue et sa disponibilit\u00e9 permanente. Avec un taux de 2,4% sup\u00e9rieur \u00e0 l&rsquo;inflation actuelle, il permet de pr\u00e9server son pouvoir d&rsquo;achat \u00e0 court terme.<\/p><p>Cependant, pour faire fructifier efficacement son capital sur le long terme, il est judicieux d&rsquo;explorer d&rsquo;autres solutions compl\u00e9mentaires. Le LEP par exemple pour les m\u00e9nages \u00e9ligibles, et des placements plus dynamiques pour le long terme.<\/p><p>L&rsquo;essentiel est d&rsquo;adapter sa strat\u00e9gie d&rsquo;\u00e9pargne \u00e0 ses objectifs personnels, son horizon de placement et sa tol\u00e9rance au risque. Dans tous les cas, s&rsquo;informer et comprendre les caract\u00e9ristiques de chaque placement reste la meilleure fa\u00e7on de prendre des d\u00e9cisions financi\u00e8res \u00e9clair\u00e9es.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"featured_media":6789,"parent":4498,"menu_order":0,"template":"","academy_category":[],"academy_tag":[36],"class_list":["post-6781","academy","type-academy","status-publish","has-post-thumbnail","hentry","academy_tag-gerer-mon-argent"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le Livret A : placement pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais\u2026 mais est-ce encore une bonne id\u00e9e en 2025 ?<\/title>\n<meta name=\"description\" content=\"Le livret A est historiquement le placement pr\u00e9f\u00e9r\u00e9 des fran\u00e7ais. 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