Do you take into account the new list of short-term investments?
Where to put your cash in the short term, knowing that the rate of the Livret A fell on 1 February to 2.5%? It’s an idea for an article submitted by Dr_Alf in a recent comment on the article “How can we improve the blog PlusRiches.fr”. Let me explain, in a previous article, in what order the books focus. Since this article, as the rate of the Livret A amounted to 4% last summer, the order was presented not in question. The deal has changed and what support do you put your cash or your precautionary cash in early 2009?
cash cash yield short-term rates livret A PEL CELAvec rates charged in February 2009, the ranking of the best short-term investments for your cash or your background carefully, is now as follows:
1st: The Livret Jeune. If you are under 26 years, do not ask questions and take out a book Young. This is the book that pays better: between 3 and 3.5% net. You can only purchase one and you must be between 12 and 25 years. The maximum you can deposit it is 1 600 euros.
2nd: The Livret d’Epargne Populaire (L.E.P.). If you are not taxable or that you pay 754 euros less income tax, the Livret d’Epargne Populaire is the book most rewarding because you will receive 3% net. You can deposit up to EUR 7 700. You can purchase a two per taxpayer per taxable household.
3rd: The Livret A or livret bleu. Despite a rate of return increased to 2.5% net since 1 February 2009 instead of 4%, the Livret A, Livret Bleu also called Crédit Mutuel, the book is still the most profitable if you are not part of the two previous categories. You can put up to 15 300 euros. You can only purchase one per person, but even those minor can open one in their name. Do not waste your time to compare the characteristics of the Livret A in different banks, they are the same. The Livret A is regulated.
4th: The Book of Sustainable Development, former Codevi. The booklet Sustainable development is paid as the Livret A. The difference is that the maximum deposit amount is only 6 000. A more open, therefore when you have reached the limits of the Livret A. You can open one and two per taxpayer per taxable household.
5th: Super-bankbook. Super-Books offered by banks have more super than their name. Their rates of pay are gross now around 3% after the marketing rate (up to 8% gross) valid expired a few weeks. 3% gross, it offers a net rate lower than the book A. The super-books can be interesting if you put an amount for a few weeks in a secure way. You look as she is the best offer of the moment between ING Direct, Cortal Consors, Monabanq Bank and AXA, for example.
6th: Plan d’Epargne Logement (P.E.L.). If you open a P.E.L. today, you will enjoy a rate of 2.5% as the Livret A. Except that this is a gross rather than a net. You must pay social security contributions at a rate of 12.1% on interest earned. If you take out a mortgage through your PEL, the rate rose from 2.5% to 3.5%. The problem is that you keep this rate for the duration of your ELP while the rate of the Livret A is revised twice a year and may rise in coming years. You can not hold more than one P.E.L. and a minor can open a. The maximum amount that you can deposit is 61 200 euros.
7th: The Accommodation Savings Account (C.E.L.). The C.E.L. pays you 1.75% gross with contributions of 12.1% payable on the interest generated. If you take out a loan through your CEL, your rate of pay increases to 2.625%. The maximum you can deposit is 15 300 euros. One C.E.L. can per person and a minor may hold.
8th: The Account Terme (C.A.T.). The rates of term accounts have also fallen. The crude rate that you will find now is around 2% knowing you have maintenance fees account, social security contributions and income tax payable on the interest generated. Currently, the term account is no longer recommending the placement for your cash.
Overall ranking is the same as in my previous article posted almost 18 months ago. The updates in the rate of the Livret A reflects the financial markets. The banks in turn offer their books always with a tax gross-hither without details of the net allowing you to easily compare with the books défiscalisation. I give you the trick to make your calculations easily with social security contributions and tax rates, simply multiply by 0.699 the rate of gross pay to get your rate of return net. If you do not pay taxes, you earn a little more.
This ranking you seem clear enough? Where you put your cash and your cash precaution? Have you changed your bank to book a suite at the opening of the sale of this product to all networks? What strategy do you apply when the ceiling of your book the more rewarding is exceeded?