Combien faut-il placer dans le livret A ?

Crédit Agricole livret A

Pour mieux gérer le budget, il est important d’avoir une sorte de sécurité avec des épargnes. C’est précisément le rôle d’un livret A : il permet de faire face aux diverses dépenses imprévues et permet de mieux équilibrer son budget. L’objectif de disposer d’un placement sur un livret A est ainsi d’avoir à portée de main de l’argent en cas d’urgence. Toutefois, il est déconseillé de ne pas y engager tous ses revenus. Combien faut-il alors épargner et mettre sur un livret A ? Le point dans cet article.

Quel plafond pour le placement dans un livret A ?

Offrant une réserve d’argent dans laquelle l’épargnant peut retirer à tout moment et en cas de besoin, le livret A séduit encore les français. Cette forme d’épargne exonérée d’impôt ne cesse d’attirer divers clients dans divers établissements, dont le Crédit Agricole Alpes Provence, explique Thierry Pomaret. De plus, l’argent peut être retiré à n’importe quel moment et auprès d’une caisse régionale.

Actuellement, après plusieurs amendements, le versement sur un livret A est plafonné à 22 950 euros. Une première hausse du plafond a été décidée en octobre 2012 et une seconde en janvier 2013. De plus, chaque membre d’un foyer fiscal a la possibilité d’ouvrir un livret A, même les mineurs.

Ainsi, un couple ayant un enfant peut ainsi avoir un placement d’un montant maximal de 3 x 22 950 = 68 850 euros. En outre, le livret A offre la possibilité d’un cumul avec des LDD ou Codevi. Si le montant maximal à déposer sur un livret A est de 22 950 euros, celui minimal est de 10 euros. Ce montant est à la fois le montant minimal de dépôt et de retrait sur ce type de livret.

Une fois le dépôt effectué, le bénéficiaire peut accéder à son argent sur ce livret défiscalisé à tout moment.

Quel taux pour un placement dans un livret A ?

Que ce soit dans les structures financières agricoles, comme Crédit Agricole Alpes Provence ou une caisse régionale ou encore un établissement proposant un système d’épargne, le taux de placement pour un livret A a subi une baisse ces dernières années.

Depuis août 2015, ce taux a atteint son niveau le plus bas : il a été fixé à 0,75 %. Ce taux doit subir une réévaluation deux fois par an, au mois de février et au mois d’août. Cependant, depuis 2015, il n’a plus évolué et doit encore le rester jusqu’en février 2020.

Ce taux de placement relativement bas pousse plusieurs épargnants à choisir d’autres formes d’épargnes, comme l’assurance-vie ou encore le PEL qui ont un taux plus élevé.

Toutefois, le livret A continue de trouver de nombreux adeptes parce qu’il est totalement exonéré d’impôt et que ses bénéficiaires peuvent disposer de leurs fonds à tout moment.

Comment évaluer le montant à épargner ?

Le montant de l’épargne à placer sur un livret A, dépend du profil de l’épargnant. Ce dernier doit évaluer ses dépenses par rapport à ses revenus. Pour ce faire, il suffit de regarder le montant restant à la fin du mois quand toutes les dépenses ont été faites. Si ce montant est élevé, il n’est pas nécessaire d’avoir recours à une épargne de type livret A puisqu’il y aura toujours de l’argent à disposition, pouvant être utilisé.

En général, il n’y a pas de règles définies pour déterminer le montant à placer. Il est conseillé cependant de déposer en moyenne le montant de 6 mois de salaire. Ce montant sera plus élevé si l’épargnant ne veut pas prendre de risque et un peu moins s’il a des revenus très hauts et un budget bien équilibré à la fin du mois. L’idéal est de déposer sur le livret la somme répondant aux besoins réels de l’épargnant.

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