{"id":91,"date":"2014-07-12T22:18:51","date_gmt":"2014-07-12T20:18:51","guid":{"rendered":"https:\/\/www.facebook.com\/294241287362962\/posts\/591551524298602"},"modified":"2020-12-31T11:17:27","modified_gmt":"2020-12-31T10:17:27","slug":"quel-plan-b-face-a-la-baisse-du-taux-du-taux-du-livret-a","status":"publish","type":"post","link":"https:\/\/ez-balance.com\/blog\/index.php\/2014\/07\/12\/quel-plan-b-face-a-la-baisse-du-taux-du-taux-du-livret-a\/","title":{"rendered":"Quel plan B face \u00e0 la baisse du taux du taux du livret A?"},"content":{"rendered":"

<\/a>Pour la premi\u00e8re fois depuis la cr\u00e9ation du Livret A, son taux est tomb\u00e9 \u00e0 1\u00a0%<\/a>. Ce maigre rendement, qui s’explique par la faiblesse des taux et de l’inflation, ne fait pas les affaires des \u00e9pargnants. Un sujet sensible, tant ce produit est diffus\u00e9 au sein des m\u00e9nages \u2014 les Fran\u00e7ais en d\u00e9tiennent 63 millions, selon l’Observatoire de l’\u00e9pargne r\u00e9glement\u00e9e. Avec une question\u00a0: le Livret\u00a0A est-il encore int\u00e9ressant\u00a0?<\/p>\n

\u00ab\u00a0C’est psychologique, la rentabilit\u00e9 nette n’a pas baiss\u00e9, puisque l’inflation a aussi recul\u00e9, mais il faudrait que les Fran\u00e7ais prennent enfin conscience que l’argent sans risque ne rapporte plus rien et s’interrogent sur la place allou\u00e9e \u00e0 cette \u00e9pargne de pr\u00e9caution\u00a0\u00bb<\/em>, explique Meyer Azougui, pr\u00e9sident de Cyrus conseil.<\/p>\n

Car c’est bien \u00e0 cela que servent le Livret A et son cousin le LDD (livret de d\u00e9veloppement durable)\u00a0: y placer l’argent dont on peut avoir besoin en cas d’impr\u00e9vu ou de projets pr\u00e9cis. M\u00eame \u00e0 1 %, le Livret\u00a0A rempli cette mission : ce produit sans risque n’est pas fiscalis\u00e9, prot\u00e8ge de l’inflation et il est possible d’y puiser<\/a> \u00e0 sa guise.<\/p>\n

LEP ET LIVRETS BANCAIRES<\/strong><\/h5>\n

Pour autant, il existe d’autres solutions. La premi\u00e8re consiste \u00e0 v\u00e9rifier si vous pouvez ouvrir un livret d’\u00e9pargne populaire (LEP). Ce produit offre un rendement sup\u00e9rieur de 0,5\u00a0point \u00e0 celui du Livret\u00a0A. Il devrait donc passer \u00e0 1,5 % au 1er<\/sup> ao\u00fbt. Mais il faut respecter certaines conditions de revenus.<\/p>\n

Autre piste, faire le tour des livrets bancaires sur Internet, et profiter des nombreuses promotions qui y fleurissent. Actuellement, certains attirent le chaland avec des taux de 5\u00a0%. Mais attention, cette r\u00e9mun\u00e9ration n’est valable que durant quelques mois et sur un montant maximum. Ensuite, le taux tombe. Surtout, il s’agit d’un rendement brut. Pour calculer la rentabilit\u00e9 nette, il faut retrancher les pr\u00e9l\u00e8vements sociaux, de 15,5\u00a0%, puis les gains sont int\u00e9gr\u00e9s \u00e0 vos revenus et tax\u00e9s comme tels.<\/p>\n

Tout va donc d\u00e9pendre de votre tranche d’imposition. Aujourd’hui, un livret bancaire doit proposer sur l’ann\u00e9e un taux de 1,4\u00a0% brut pour qu’une personne impos\u00e9e dans la tranche \u00e0 14\u00a0% obtienne le m\u00eame rendement qu’avec le Livret A. Ce taux doit \u00eatre de 1,75 % pour celles impos\u00e9es \u00e0 30 %. En dessous, autant garder son Livret\u00a0A.<\/p>\n

Pour le moment, certains livrets affichent des taux de 2\u00a0% brut et sont donc plus int\u00e9ressants. \u00ab\u00a0Mais cela ne va pas durer ils vont rapidement s’ajuster pour se fixer au niveau du Livret\u00a0A\u00a0\u00bb<\/em>, pr\u00e9vient Cyril Blesson, associ\u00e9 chez Pair conseil.<\/p>\n

<\/p>\n

LA SOLUTION DE L’ASSURANCE-VIE<\/strong><\/h5>\n

Une autre possibilit\u00e9 consiste \u00e0 abonder son contrat d’assurance-vie, les fonds en euros (et donc sans risque) affichant en moyenne un rendement de 2,8\u00a0%. Soit 2,36\u00a0% apr\u00e8s les pr\u00e9l\u00e8vements sociaux.<\/p>\n

Contrairement \u00e0 une id\u00e9e re\u00e7ue, il est en effet possible de retirer son argent \u00e0 tout moment de son contrat. Mais plus votre contrat est ancien, plus la fiscalit\u00e9 est avantageuse. Au bout de huit ans, les gains retir\u00e9s ne sont tax\u00e9s qu’\u00e0 7,5\u00a0%, ce qui donne un rendement net de 2,16\u00a0%. Entre quatre et huit ans, la r\u00e9mun\u00e9ration atteint 1,99\u00a0%. Et m\u00eame en cas de retrait au bout d’un an, le rendement (1,39\u00a0% net) d\u00e9passe celui du Livret\u00a0A.<\/p>\n

Attention toutefois aux frais d’entr\u00e9e (ceux qui sont ponctionn\u00e9s lorsque vous faites un versement) qui diminuent d’autant cette performance.<\/p>\n

L’OPTION DU PEL<\/strong><\/h5>\n

Enfin, si vous \u00eates pr\u00eat \u00e0 bloquer votre argent au moins deux ans, ouvrez un PEL (plan d’\u00e9pargne logement). A l’origine, ce produit est destin\u00e9 aux \u00e9pargnants qui veulent se constituer une cagnotte en vue de contracter un emprunt immobilier \u00e0 taux bonifi\u00e9. Le tout en profitant d’un taux d’int\u00e9r\u00eat tr\u00e8s int\u00e9ressant, puisqu’il rapporte aujourd’hui 2,50\u00a0% brut, soit 2,11\u00a0% net.<\/p>\n

En th\u00e9orie, il faut y laisser son \u00e9pargne investie pendant au moins quatre ans. Mais il est possible de r\u00e9cup\u00e9rer ses fonds avant. Si vous \u00ab\u00a0cassez\u00a0\u00bb votre plan avant deux ans, votre \u00e9pargne sera r\u00e9mun\u00e9r\u00e9e au taux du CEL (compte \u00e9pargne logement), soit actuellement 0,63\u00a0% net.<\/p>\n

Par contre, si vous cl\u00f4turez votre PEL apr\u00e8s son deuxi\u00e8me anniversaire, votre \u00e9pargne est r\u00e9mun\u00e9r\u00e9e \u00e0 2,11\u00a0% net. Soit deux fois le taux offert par le Livret\u00a0A.<\/p>\n

Fr\u00e9d\u00e9ric Cazenave et Marie Pellefigue<\/p>\n

(Source<\/a>: Le Monde)<\/p>\n","protected":false},"excerpt":{"rendered":"

Pour la premi\u00e8re fois depuis la cr\u00e9ation du Livret A, son taux est tomb\u00e9 \u00e0 1\u00a0%. Ce maigre rendement, qui s’explique par la faiblesse des taux et de l’inflation, ne fait pas les affaires des \u00e9pargnants. Un sujet sensible, tant ce produit est diffus\u00e9 au sein des m\u00e9nages \u2014 les Fran\u00e7ais en d\u00e9tiennent 63 millions, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"link","meta":{"footnotes":""},"categories":[4],"tags":[16],"class_list":["post-91","post","type-post","status-publish","format-link","hentry","category-facebook","tag-fr","post_format-post-format-link"],"yoast_head":"\nQuel plan B face \u00e0 la baisse du taux du taux du livret A? - ez-Balance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ez-balance.com\/blog\/index.php\/2014\/07\/12\/quel-plan-b-face-a-la-baisse-du-taux-du-taux-du-livret-a\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quel plan B face \u00e0 la baisse du taux du taux du livret A? - ez-Balance\" \/>\n<meta property=\"og:description\" content=\"Pour la premi\u00e8re fois depuis la cr\u00e9ation du Livret A, son taux est tomb\u00e9 \u00e0 1\u00a0%. 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