Happy Latin American family paying bills online and saving money in a piggybank

Happy Latin American family paying bills online and saving money in a piggybank

Face à une économie maussade, les Français font attention à leur budget. Grâce entre autres au sacro-saint Livret A et aux contrats d’assurance-vie, chaque ménage fait de son mieux pour mettre de l’argent de côté. C’est en tout cas la méthode qui semble fonctionner, selon les chiffres de la Banque de France ! En effet, en 2015, les Français ont épargné au point que l’encours des principaux placements financiers atteint les 4 377 milliards d’euros. Les Français, des champions de l’épargne, avec 15,5% des revenus annuels des ménages épargnés. Des résultats qui placent l’hexagone au second rang des épargnants européens, juste derrière l’Allemagne.

Les Français savent comment gérer leur budget

Non seulement les Français sont économes, mais ils sont aussi bons épargnants. Au 3ème trimestre 2015, l’épargne brute déposée par les ménages s’élevait déjà à 53,3 milliards d’euros. Si ces chiffres sont aussi élevés, cela est dû à des restrictions des dépenses mais pas uniquement : les Français savent visiblement choisir leurs placements. Ils se sont tournés vers l’assurance-vie bien sûr mais pas seulement. Contrairement à ce que l’on pourrait penser, les Français ne dédaignent pas les marchés boursiers. Les actifs risqués représentent au contraire plus d’un tiers des placements des ménages, avec 1 618 milliards enregistrés au 3ème trimestre 2015.

L’assurance vie reste le placement préféré des Français

Si les Français se risquent en bourse, leur placement favori reste tout de même l’assurance-vie pour une épargne à long terme. Elle représente à elle seule 31% de l’épargne des ménages soit 1 649,7 milliards d’euros . A titre de comparaison, la deuxième place au classement est occupée par les actions non côtés et autres participations avec tout juste 760,7 milliards d’euros. Pourquoi les Français choisissent-ils en si grand nombre l’assurance-vie ? Trois raisons principales.

  • Tout d’abord pour la sécurité. Il faut en effet savoir que sur ces 1649,7 milliards, seuls 275,2 milliards sont consacrés à des assurances vie en supports UC. La grande majorité des investissements se fait sur des fonds en euros pour un retour sur investissement sans risques ;
  • Ensuite parce que le modèle de l’assurance vie constitue un moyen sécurisant de diversifier ses placements et optimiser sa rentabilité, avec des sommes toujours disponibles ;
  • Enfin, l’assurance vie propose une certaine flexibilité des versements et conditions de retrait qui en font un choix d’investissement long terme peu contraignant, et un produit accessible en cas de problème.

Le classique livret A ne fait plus rêver

Autre constat fait par la Banque de France, les Français se détournent du livret A et des livrets d’épargne de manière générale. Les résultats des livrets continuent en effet de baisser avec une perte de 4,4 milliards d’euros enregistrée rien que pour le 3ème trimestre 2015. Longtemps champion du placement court terme, le livret cède sa place depuis quelques années au PEL et autres placements d’épargne contractuelle. Ces derniers enregistrent ainsi une progression de 4,7 milliards d’euros sur le même trimestre. Rien d’étonnant lorsque l’on compare les taux des deux placements.

 Malgré les baisses du 1er février 2016, le PEL affiche encore 1,5% de rendement brut là où le livret A peine à atteindre les +0,75%. Second point en sa faveur, le PEL et son pendant à très court terme le CEL offrent des possibilités d’emprunt à des taux plus avantageux. Le Livret A n’est pas mort, mais il n’est plus un produit d’épargne attractif.

Loin des clichés, les Français prouvent donc qu’ils savent gérer leur budget et surtout qu’ils maîtrisent la rentabilité de leurs placements. Qu’il s’agisse de titres, de contrats d’assurance-vie ou d’épargne contractuelle, les ménages ont bien compris que pour profiter du marché, il fallait se diversifier. En la matière, la France fait même figure de bon élève fasse à ses voisins européens révélait déjà l’Observatoire de l’Epargne Règlementé de la Banque de France dans son étude de 2014. 75% des Français interrogés comprenaient effet les tenants et aboutissants de la diversification, loin devant les 60% de l’Allemagne ou les 61% la Hongrie.

Catégories : Epargne

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