{"id":49180,"date":"2025-10-30T15:10:54","date_gmt":"2025-10-30T14:10:54","guid":{"rendered":"https:\/\/www.gold.fr\/news\/?p=49180"},"modified":"2025-10-30T15:05:43","modified_gmt":"2025-10-30T14:05:43","slug":"baisse-du-taux-du-livret-a-quelles-alternatives-epargne","status":"publish","type":"post","link":"https:\/\/www.gold.fr\/news\/2025\/10\/30\/baisse-du-taux-du-livret-a-quelles-alternatives-epargne\/","title":{"rendered":"Baisse du taux du Livret A : quelles alternatives pour votre \u00e9pargne ?"},"content":{"rendered":"<p>Le taux de r\u00e9mun\u00e9ration du Livret A a \u00e9t\u00e9 ramen\u00e9 \u00e0 <strong>1,7 %<\/strong> \u00e0 compter du <strong>1\u1d49\u02b3 ao\u00fbt 2025<\/strong>, contre 2,4 % depuis le 1er f\u00e9vrier 2025 (Source <a id=\"menur339\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.economie.gouv.fr\/actualites\/epargne-reglementee-baisse-des-taux-du-livret-et-du-livret-depargne-populaire-au-1er?utm_source=chatgpt.com\" href=\"https:\/\/www.economie.gouv.fr\/actualites\/epargne-reglementee-baisse-des-taux-du-livret-et-du-livret-depargne-populaire-au-1er?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien Minist\u00e8re de l'\u00c9conomie+2Presse - Minist\u00e8re des Finances+2\">Minist\u00e8re de l&rsquo;\u00c9conomie+2Presse &#8211; Minist\u00e8re des Finances+2).<\/a> Cette r\u00e9duction s\u2019explique par une inflation tr\u00e8s mod\u00e9r\u00e9e (0,88 % sur le premier semestre 2025) et par la formule de calcul r\u00e9guli\u00e8rement appliqu\u00e9e par la Banque de France (Source <a id=\"menur33b\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.banque-france.fr\/fr\/communiques-de-presse\/le-gouverneur-de-la-banque-de-france-propose-de-ramener-le-taux-du-livret-17-et-de-continuer?utm_source=chatgpt.com\" href=\"https:\/\/www.banque-france.fr\/fr\/communiques-de-presse\/le-gouverneur-de-la-banque-de-france-propose-de-ramener-le-taux-du-livret-17-et-de-continuer?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien Banque de France+1\">Banque de France+1).<\/a><\/p>\n<p>Malgr\u00e9 cette baisse, l\u2019\u00e9pargne des m\u00e9nages fran\u00e7ais reste importante : l\u2019encours total des placements financiers est estim\u00e9 \u00e0 <strong>6 356 milliards d\u2019euros<\/strong> fin 2024, en hausse d\u2019environ 1,7 % par rapport \u00e0 2023. <a id=\"menur33d\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.moneyvox.fr\/livret\/actualites\/104311\/livret-a-lep-pel-ces-5-chiffres-impressionnants-sur-epargne-des-francais?utm_source=chatgpt.com\" href=\"https:\/\/www.moneyvox.fr\/livret\/actualites\/104311\/livret-a-lep-pel-ces-5-chiffres-impressionnants-sur-epargne-des-francais?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien MoneyVox+1\">MoneyVox+1<\/a><\/p>\n<h2>1. Le profil des \u00e9pargnants fran\u00e7ais : s\u00e9curit\u00e9 plut\u00f4t que rendement<\/h2>\n<ul>\n<li>Le taux d\u2019\u00e9pargne des m\u00e9nages s\u2019\u00e9tablissait \u00e0 <strong>18,2 %<\/strong> du revenu disponible brut en 2024, contre environ 14,1 % en moyenne sur la p\u00e9riode 2015-2019. <a id=\"menur33f\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.insee.fr\/fr\/statistiques\/8582021?utm_source=chatgpt.com\" href=\"https:\/\/www.insee.fr\/fr\/statistiques\/8582021?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien Insee+1\">Insee+1<\/a><\/li>\n<li>D\u00e9but 2024, <strong>90,5 %<\/strong> des m\u00e9nages vivant en logement ordinaire d\u00e9tenaient un produit financier (livrets, assurances-vie, etc.). <a id=\"menur33h\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.insee.fr\/fr\/statistiques\/8569009?utm_source=chatgpt.com\" href=\"https:\/\/www.insee.fr\/fr\/statistiques\/8569009?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien Insee\">Insee<\/a><\/li>\n<li>L\u2019encours de l\u2019\u00e9pargne r\u00e9glement\u00e9e (livrets b\u00e9n\u00e9ficiant d\u2019un r\u00e9gime fiscal ou d\u2019un taux d\u00e9termin\u00e9 par l\u2019\u00c9tat) \u00e9tait de <strong>955,7 milliards \u20ac<\/strong> fin 2024, soit environ 15 % du patrimoine financier des Fran\u00e7ais. <a id=\"menur33j\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.lafinancepourtous.com\/2025\/06\/04\/le-taux-depargne-des-francais-atteint-18-fin-2024\/?utm_source=chatgpt.com\" href=\"https:\/\/www.lafinancepourtous.com\/2025\/06\/04\/le-taux-depargne-des-francais-atteint-18-fin-2024\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien lafinancepourtous.com+1\">lafinancepourtous.com+1<\/a><\/li>\n<\/ul>\n<p>En clair : les Fran\u00e7ais conservent une forte propension \u00e0 mettre de c\u00f4t\u00e9, mais pr\u00e9f\u00e8rent majoritairement des supports tr\u00e8s liquides ou \u00e0 faible risque plut\u00f4t que des placements plus expos\u00e9s.<\/p>\n<p>&nbsp;<\/p>\n<h2>2. Rendements en baisse et pressions sur l\u2019\u00e9pargne de pr\u00e9caution<\/h2>\n<p>La chute du taux du Livret A \u00e0 1,7 % affaiblit clairement le rendement de ce placement phare : pour un encours de 10 000 \u20ac, les int\u00e9r\u00eats annuels passent de 240 \u20ac \u00e0 <strong>170 \u20ac<\/strong>, soit une perte de 70 \u20ac par an. (\u00c0 titre d\u2019illustration.)<\/p>\n<p>De plus, selon la F\u00e9d\u00e9ration Bancaire Fran\u00e7aise (FBF), en avril 2025 l\u2019encours des livrets A + LDDS s\u2019\u00e9levait \u00e0 environ 606,7 milliards \u20ac, avec une d\u00e9collecte visible sur certains mois. <a id=\"menur33l\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.lafinancepourtous.com\/2025\/06\/04\/le-taux-depargne-des-francais-atteint-18-fin-2024\/?utm_source=chatgpt.com\" href=\"https:\/\/www.lafinancepourtous.com\/2025\/06\/04\/le-taux-depargne-des-francais-atteint-18-fin-2024\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien lafinancepourtous.com\">lafinancepourtous.com<\/a><\/p>\n<p>Avec l\u2019inflation tr\u00e8s basse mais toujours positive et des taux tr\u00e8s r\u00e9duits, l\u2019\u00e9pargne de pr\u00e9caution (livrets, d\u00e9p\u00f4ts) rapporte d\u00e9sormais tr\u00e8s peu \u2014 et pose la question de la valeur de ces supports dans l\u2019allocation globale d\u2019un patrimoine.<\/p>\n<h2>3. Pourquoi l\u2019investissement dans les actions reste mod\u00e9r\u00e9 en Europe<\/h2>\n<p>M\u00eame si l\u2019article que vous souhaitiez publier compare Europe\/\u00c9tats-Unis, voici quelques faits \u00e0 jour :<\/p>\n<ul>\n<li>Selon la Banque de France, au 3\u1d49 trimestre 2024, le flux d\u2019\u00e9pargne brute des m\u00e9nages atteignait <strong>86,8 milliards \u20ac<\/strong>, soit proche de ses records. <a id=\"menur33n\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.banque-france.fr\/fr\/statistiques\/epargne\/epargne-des-menages-2024-q3?utm_source=chatgpt.com\" href=\"https:\/\/www.banque-france.fr\/fr\/statistiques\/epargne\/epargne-des-menages-2024-q3?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien Banque de France\">Banque de France<\/a><\/li>\n<li>Cependant, le recours aux produits de fonds propres (actions, parts non cot\u00e9es) reste limit\u00e9 : par exemple au 4\u1d49 trimestre 2024, les \u00ab produits de taux \u00bb repr\u00e9sentaient 66,2 milliards \u20ac, tandis que les \u00ab produits de fonds propres \u00bb repr\u00e9sentaient 45,5 milliards. <a id=\"menur33p\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"https:\/\/www.banque-france.fr\/fr\/statistiques\/epargne\/epargne-des-menages-2024-q4?utm_source=chatgpt.com\" href=\"https:\/\/www.banque-france.fr\/fr\/statistiques\/epargne\/epargne-des-menages-2024-q4?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Lien Banque de France\">Banque de France<\/a><\/li>\n<li>L\u2019\u00e9cart de culture financi\u00e8re entre Europe et \u00c9tats-Unis (actions vs \u00e9pargne liquide) reste d\u2019actualit\u00e9 : les m\u00e9nages europ\u00e9ens restent prudents vis-\u00e0-vis des march\u00e9s risqu\u00e9s.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>4. Pourquoi consid\u00e9rer l\u2019or comme une alternative pour l\u2019\u00e9pargne ?<\/h2>\n<p>Dans ce contexte de rendement en berne pour les placements classiques, l\u2019or m\u00e9rite d\u2019\u00eatre repositionn\u00e9 comme une <strong>option strat\u00e9gique<\/strong> :<\/p>\n<ul>\n<li>Il offre une r\u00e9serve de valeur tangible, non corr\u00e9l\u00e9e aux taux d\u2019int\u00e9r\u00eat des livrets.<\/li>\n<li>\u00c0 long terme, l\u2019or a affich\u00e9 des performances comp\u00e9titives (selon votre texte original) par rapport \u00e0 certains indices actions.<\/li>\n<li>Le contexte de taux faibles et d\u2019incertitudes macro-\u00e9conomiques renforce la pertinence d\u2019un actif refuge dans une allocation \u00e9quilibr\u00e9e.<\/li>\n<\/ul>\n<h2>5. Proposition de message pour vos lecteurs<\/h2>\n<p>\u00ab Avec un taux du Livret A abaiss\u00e9 \u00e0 1,7 %, la r\u00e9mun\u00e9ration des supports les plus s\u00fbrs diminue : c\u2019est le moment de <strong>repenser l\u2019\u00e9pargne de pr\u00e9caution<\/strong>. Pour ceux qui cherchent \u00e0 combiner s\u00e9curit\u00e9, diversification et potentiel de valorisation, l\u2019or s\u2019impose comme un <strong>pilier alternatif<\/strong> cr\u00e9dible. Sur gold.fr, nous d\u00e9taillons pourquoi et comment int\u00e9grer l\u2019or dans votre strat\u00e9gie d\u2019\u00e9pargne. \u00bb<\/p>\n<p>&nbsp;<\/p>\n<a href=\"https:\/\/support.gold.fr\/partenariat\/hb\" target=\"_blank\" class=\"goldCTA\">\n    <img decoding=\"async\" src=\"https:\/\/www.gold.fr\/news\/wp-content\/uploads\/2024\/09\/Couverture-LB-quel-budget-pour-investir-dans-lor.png\" alt=\"\" \/>    <div class=\"rightPart\">\n        <div class=\"content\">\n            <\/p>\n<h2><strong>Vous souhaitez investir dans l&rsquo;or ?\u00a0<\/strong><\/h2>\n<p>Vous h\u00e9sitez \u00e0 diversifier votre portefeuille ? Pourquoi ne pas investir dans l&rsquo;or ? Notre guide vous permettra d&rsquo;affiner votre r\u00e9flexion gr\u00e2ce \u00e0 des exemples de pi\u00e8ces et lingots d&rsquo;or que vous pourriez acqu\u00e9rir avec votre budget.<\/p>\n<p>        <\/div>\n                <span class=\"button\">Je souhaite investir dans l'or !<\/span>\n            <\/div>\n<\/a>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Le taux de r\u00e9mun\u00e9ration du Livret A a \u00e9t\u00e9 ramen\u00e9 \u00e0 1,7 % \u00e0 compter du 1\u1d49\u02b3 ao\u00fbt 2025, contre 2,4 % depuis le 1er f\u00e9vrier 2025 (Source Minist\u00e8re de l&rsquo;\u00c9conomie+2Presse &#8211; Minist\u00e8re des Finances+2). Cette [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":49189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mbp_gutenberg_autopost":false,"_pgmb_is_evergreen":false,"_pgmb_ap_template_id":0,"footnotes":""},"categories":[4],"tags":[],"ppma_author":[2575],"class_list":["post-49180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyses-economiques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Baisse du taux du Livret A : quelles alternatives pour votre \u00e9pargne ? - Gold.fr<\/title>\n<meta name=\"description\" content=\"Le taux de r\u00e9mun\u00e9ration du Livret A a \u00e9t\u00e9 ramen\u00e9 \u00e0 1,7 % \u00e0 compter du 1\u1d49\u02b3 ao\u00fbt 2025, contre 2,4 % depuis le 1er f\u00e9vrier 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gold.fr\/news\/2025\/10\/30\/baisse-du-taux-du-livret-a-quelles-alternatives-epargne\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Baisse du taux du Livret A : quelles alternatives pour votre \u00e9pargne ? 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