![Les contrats d'assurance-vie ont atteint des niveaux records en 2026. [Maeva Destombes / Hans Lucas / Hans Lucas via AFP]](/cdn-cgi/image/onerror=redirect,width=640,height=640,format=webp/https://storage.googleapis.com/uploads.mongoosehq.com/url/media/107584199/e29706cd68cff6cd7b9cd60941d51cdbe29f2a27997c6213272454a2ca61d48c)
Overview
- Official CDC data for January 2026 show net withdrawals of €1.87 billion from Livret A, leaving €447.8 billion outstanding.
- It was the worst January reading since 2009, marking a break with the usual start-of-year inflows.
- The Livret A rate is 1.5% from 1 February 2026 after stepdowns from 3% in early 2025 as inflation eased.
- LDDS accounts registered €400 million in net outflows in January, while LEP balances were essentially stable around €83.8 billion.
- Life-insurance contracts drew record net inflows in 2025 of over €50 billion, with euro-fund returns averaging about 2.7% and some offers near 3.5%, according to industry figures and analyst Philippe Crevel.