82% of French people ready to reallocate their Livret A towards a more dynamic investment

A survey that reveals a massive loss of confidence in regulated savings and a clear desire to turn to more dynamic, accessible and, above all, profitable investments.

A predictable drop, but…

The French were not really surprised by the announcement of the reduction in the Livret A savings account. In fact, more than 71% were already aware that a reduction was planned for this summer.

This massive anticipation is a good illustration of the growing concern about the return on precautionary savings.

Which disappoints the French a lot!

Nearly 77% of French people consider the reduction in the Livret A rate to 1,7% unacceptable or disappointing, pointing to a direct penalization of popular savings.

In detail, 39% denounce an "unacceptable" decision which weakens the return on their savings and 38% say they are "disappointed, but clear-sighted" in the face of an uncertain economic context.

Only 17% maintain their confidence in the Livret A for its security, and barely 6% welcome this measure as a useful lever for public investment.

More than 7 out of 10 French people want to change direction

This decline is sending shockwaves through savers. 73% of French people are considering changing their savings strategy: 42% will actively seek other investment alternatives, and 31% plan to withdraw some of their money from their Livret A savings account.

Only 19% say they still want to leave their savings in the Livret A, mainly for its security, and 8% remain undecided.

Unsurprisingly, these figures reflect a growing loss of confidence in traditional savings products and an unprecedented openness to new, more profitable and accessible solutions.

Savings: 79% of French people ready to take action

Nearly 8 out of 10 French people are considering investing their savings differently: 13% have already taken the plunge, 29% are actively considering it, and 37% could start if the risks remain moderate.

Only 21% still exclusively prioritize security, even if the financial benefit is not there.

The French want performance, but within a reassuring framework

Life insurance remains the most popular option, favored by more than one in two French people. But real estate in all its forms is proving massively popular, particularly in rental or fractional forms at 43% and in crowdfunding at 31%.

With 34% interest in the stock market, ETFs are establishing themselves as the new wave of accessible investments.

Finally, 10% dare to use cryptocurrencies, a sign that caution still prevails.

82% of French people ready to empty their account

French people with a Livret A savings account seem willing to take action in the face of this decline.

Thus, 49% plan to redirect at least 30% of their savings towards a more dynamic investment.

An unprecedented figure and a significant fact: 12% would even be prepared to transfer all of their regulated savings.

At the same time, only 18% say they want to keep their Livret A savings account in full, confirming the reluctance of some savers.

The future of the Livret A in danger?

Despite the recent announcement, 21% of French people remain attached to the Livret A savings account as a foundation for their savings. But nearly half (47%) believe it cannot survive without major reform.

25% even consider that it has become completely obsolete and too unprofitable, a strong signal sent to public actors.

Finally, only 7% are undecided.

Methodology : Survey conducted in July 2025 among 3.201 people across France aged 18 and over. National survey conducted online, on the proprietary BuzzPress France panel (27.500 people). The responses were then compiled and weighted according to pre-established quotas aimed at ensuring the representativeness of the sample in order to obtain representation of the target population.

All weightings are based on administrative data and data collected by INSEE.

Illustrative image of the article via Depositphotos.com.