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

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The characteristics of the LDDS in 2025
Ceiling: €12,000 in payments (excluding capitalized interest)
Rate: 1.7% net from August 1, 2025 (identical to Livret A)
Taxation: interest completely exempt from tax and social security contributions
Availability: liquid savings, accessible at any time without charge
Like the Livret A, the LDDS is a regulated savings product guaranteed by the State, available in all French banks. Each taxpayer can hold one, which allows a couple to open two within the tax household.

Why choose the LDDS after the Livret A?
The LDDS is an excellent relay for cautious savers:

It allows you to invest up to €12,000 additionally under the same conditions as the Livret A.
It maintains total liquidity, ideal for precautionary savings.
Its yield remains modest but risk-free, making it a perfect transition solution before considering more dynamic investments.
2. The LEP: the option reserved for low-income households
The Livret d’Épargne Populaire (LEP) is an often overlooked, but very advantageous solution for people with modest incomes. It offers a higher return than the Livret A , while guaranteeing secure and tax-free savings.

Conditions for opening the LEP
To open a LEP , you must:

Be domiciled for tax purposes in France;
Provide proof of a reference tax income below a ceiling set by the administration (€22,823 for a single person, €35,012 for a couple in 2025);
Hold only one LEP per person (maximum two per tax household);
Provide a tax notice upon opening.
LEP Features
Ceiling: €10,000 excluding capitalized interest
Rate: 2.7% net from August 1, 2025
Taxation: 100% exempt from tax and social security contributions
Liquidity: free withdrawals and deposits, at any time
Why choose the LEP after a full Livret A?
If you are eligible, the LEP is by far the best alternative to the Livret A:

Higher risk-free rate
Same flexibility and state guarantee
Identical taxation (zero tax)
3. Life insurance: flexibility and long-term returns
Often perceived as complex, life insurance is nevertheless one of the most flexible and powerful investments for growing your savings over the long term.

Contrary to what its name suggests, life insurance is not a product reserved for inheritance. It is a savings contract that allows you to invest your money in different vehicles:

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