The euro fund , secure and guaranteed in capital, works like a super booklet with a higher return; the best euro funds display rates between 2.5% and 3.2% net of fees in 2025, well above the Livret A.
The more dynamic account units (UC) allow you to invest in shares, bonds, ETFs or real estate (SCPI, OPCI), with a higher return potential (from 4% to 10%)… but also a risk of loss.
Why is it a flexible investment?
Life insurance allows you to:
to freely pay one-off or regular sums;
to withdraw at any time (called “redemption”), partially or totally;
to choose your investment vehicles and modify them over time.
You can therefore adjust your strategy without closing the contract, which makes it a tool that is very adaptable to your objectives: savings, retirement, transfer, 5 or 10 year projects, etc.
an annual reduction on earnings (€4,600 for a single person, €9,200 for a couple);
reduced taxation on withdrawn interest (via the single flat-rate deduction or the progressive scale, whichever is more favorable).
In addition, in the event of death, the capital transferred is exempt up to €152,500 per beneficiary, depending on the date of the payments.
In summary, life insurance is a great alternative for those who want to invest their money after the Livret A. It adapts to all profiles, from the most cautious to the most dynamic, with returns potentially much higher than regulated savings.
4. Term accounts and super bank books
When the Livret A is full , super bank books and term accounts are two simple and accessible solutions for continuing to invest your money safely.
Super booklets: flexibility and boosted rates
Super booklets work like traditional booklets, but with a rate often higher during promotional periods. In 2025, some online banks offer
a rate of 2.5% gross for 3 to 6 months,
then a rate of approximately 2% gross thereafter.
They are not capped (you can deposit several tens of thousands of euros), but the interest is taxed (subject to the 30% PFU). They therefore remain attractive for investing your money in the short term, while maintaining total liquidity.
Term accounts: guaranteed return but funds blocked
A fixed-term deposit account (or CAT) allows you to invest a fixed amount for a pre-defined period, generally between 6 months and 5 years. In exchange, you receive a guaranteed rate:
between 1.7% and 2.7% gross depending on the duration and the bank,
with 100% guaranteed capital, no risk of loss.
On the other hand, the money is locked in for the specified period. Early withdrawal is possible in some cases, but it may result in penalties or loss of interest.
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