Overview
- Caisse des dépôts data show a net €5.1 billion October outflow from Livret A and LDDS, including €3.81 billion from Livret A and €1.29 billion from the LDDS.
- The Livret A rate fell from 3% at the start of 2025 to 2.4% in February and 1.7% in August, a slide closely linked to the withdrawals.
- Savers are reallocating to assurance‑vie, with September contributions reaching €14.9 billion as funds‑euros yields are expected to average about 2.6% in 2025.
- Analysts warn the Livret A rate could be cut again around 1 February 2026 to roughly 1.4–1.5%, which could deepen outflows.
- For year‑end interest, deposits must be made by 15 December under the quinzaine calculation, otherwise earnings post to 2026.