Finances. These investments, which would have brought you (much) more than the Livret A.


The Livret A achieved twice as many savings in 2020 as in 2019, bringing in an additional € 26.4 billion net.

If we add the Sustainable and Solidarity Development Booklet (LDDS) to its little brother, the collection exceeds 35 billion compared to 16 billion in 2019. As of December 31, those accounts were 448 billion, almost double the budget of the French state.

We could even add safe, tax-free and disposable investments to this family, other billions deposited in savings accounts, youth savings accounts, popular savings accounts, housing savings accounts ...

Some of that likely comes from insurance withdrawals, which are estimated at 7.5 to 8 billion. In fact, this does not bring much and can be risky.

However, the brochures hardly guarantee that purchasing power will be maintained. The return on Livret A, which is set at 0.5{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118}, corresponds to the INSEEs estimated price increase of + 0.5{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118}.

A safe haven therefore. But these brochures punish the economy and do nothing for their owners. In 2020, the most daring won a lot more by confining themselves to their computer.

1. Cryptocurrencies

A buyer of 3 Bitcoin on April 1, 2020 at a price of 6,000 euros per unit (18,000 euros) would have received the sum of 72,000 euros after taxes on December 31. Dizzying. We had to dare.

Other cryptocurrencies such as Ethereum (+ 735{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118}), which are available from 200 euros in April, or Monero (+ 155{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118}), calibrated for the small saver (40 euros at the time), also reported large capital gains. for thrill seekers.

2. Investing in environmental and artificial intelligence stocks

Artificial intelligence, water, renewable energies, 'food technology', waste treatment ... The more or less risky investment funds that banks offer for solid stocks in these areas of activity have sometimes achieved a return of around 30{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118} up to 60{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118}.

If the 35 billion deposited in the passbooks had been invested in these funds, they would theoretically have raised a dozen billion in purchasing power and enabled companies in the sector to install wind turbines to reduce the cost of electric cars. to offer and recruit more short supply chains.

Note that after the March collapse, the stock market rebounded very quickly because of these values. The Cac40 index limited the break to -7{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118}.

3. Properties in Pinel in cities with high demand

Highly criticized because the Pinel device is seen as a tax niche and offers a new property investor the opportunity to lower their taxes by an amount equal to 18{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118} or 21{7d3485657e94c2a51293ca186d4450b2f27c317aa7ee3509dac6c8bbf5461118} of the propertys value.

With very low lending rates, real estate prices have remained affordable in cities with high demand (except Paris and Bordeaux). Not only does it earn more than a Livret A (it all depends on the ability to rent the property), it also enables real estate programs to be launched in a country where the need is estimated at 450,000 homes per year (just under 300,000) ).

Basically, Livret A has to finance social housing. Apart from the fact that the number of social housing has been falling steadily for the last four years. Almost 93,000 in 2019 compared to 124,000 in 2016.