Where to put your money when your Livret A is full?

The Livret A account is one of the French people’s favorite investments, but once you reach its limit, what should you do with your excess savings? If you’re wondering where to invest your money when your Livret A account is full , there are several safe and sometimes better-paid alternatives.

In this article, we review the best options to optimize your savings in 2025 .

Why look for an alternative to the Livret A?
The Livret A savings account appeals to millions of French people for its security, advantageous tax regime, and immediate liquidity. But once you reach its €22,950 limit , you’ll have to turn to other risk-free or more dynamic investments.

Depending on your risk appetite and your objectives (precautionary savings, return, 3 or 10 year project), there are now many alternatives to the Livret A:

secure banking products such as LDDS , LEP , term accounts or super bank books ;
flexible and tax-efficient investments such as life insurance ;
and for more dynamic profiles, options with greater potential such as the stock market or indirect rental property via SCPIs.
1. The LDDS: the natural extension
When the Livret A is full , the LDDS (Livret de Développement Durable et Solidaire) appears to be the logical next step to continue saving in complete security. It offers very similar conditions: same interest rate, same tax exemption, same availability of funds.

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