actualites prevoyance assurnis

Les Français privilégient les livrets d’épargne

Dans une situation toujours aussi difficile économiquement, les Français préfèrent épargner sur des livrets.

Préférence pour les livrets d’épargne

Les habitudes des épargnants ont changé. Ils se tournent de plus en plus vers des livrets plutôt que l’assurance-vie. (L’assurance vie a connue une baisse des collectes de 85% en 2011).

On remarque donc que les Français privilégient des produits comme le livret A (avec sa rémunération nette de 2,25% en 2011) et les livrets ordinaires (+ 17 millions d’euros en 2011).

Épargne et crise économique : compatible ?

Selon les différents courants de pensées économiques, on peut remarquer que l’épargne actuelle des Français n’est pas un bon signe.

Effectivement, la consommation est le principal moteur de la croissance hors lorsque les Français épargnent, ils ne consomment pas.

Il y a donc une incompatibilité économique évidente qui peut être résolue par la relance de la consommation, qui se fera seule ou par intervention de l’État.

Publié dans Actualités.

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