Despite free pay and fixed by banks between 2

Need to place a large sum pending her final assignment Here are three good reasons to rely on short term investments. Its asset Money grows without risk and remains available at any time. Icing on the cake: since a few months, the wages are more palatable because of rising short-term interest rates. Three products are currently in focus: tax-deferred, taxable savings books and accounts in the term. Review of retail.

In this category, A booklet and the sustainable development booklet (LDD) pay 2 savings, the popular savings booklet (Sara) appears to 2.5. For the record, is accessible to people with low incomes pay in 2010 than 769 euros of the income tax. Common point of these media: no tax on vested interests. Despite free pay and fixed by banks (between 2.5 and 3.2), the young booklet, reserved for the 12-25 years, benefits from EC gift tax. Only disadvantages of these products: deposits are capped. Unable to accommodate more 15.300 euros on A booklet, 6,000 euros on a LDD, 7.700 euros on Sara and 1,600 euros on a youth booklet. To legally work around these limitations, the parade is open whenever possible a type of booklet for every (major or minor) member of the same family. "In terms of availability, taxation and performance, these investments are unbeatable." So, as do the full! ", summarizes Philippe Marquetty, responsible for supply to individuals to Société Générale. Given a resurgence of inflation, the compensation of the booklet could be increased again in August. A monitor.

Without risk, liquid and paid each fortnight as their cousins regulatory flipbook, these banking booklets have two specifics. First, their remuneration is freely set by the Bank. So that before you sign up, is better compare to take advantage of the best offer of the moment. Currently, (free promotion) rate posted by the network banks oscillate between 1.5 and 2. Then, these savings books are taxable. The perceived interests are taxed at 31.3 19 of fixed levy at source and 12.3 of social security payments. Please note that online banks are distinguished by commercial aggressiveness with compensation rates spiked. The five best offers of the moment (see table) offer of 5 and of 6. But this "canon" rate is often 3 or 6 months and apply for an amount limited to deposits (50,000, 100,000, 150,000 euros).

After this period of promotion, the compensation falls to normal level proposed by the other bank passbooks. These investments play the complementarity with the regulated books, particularly because their ceilings high (from 3 to 10 million euros), or even unlimited. "They are useful in case of arrival of a large sum of money." "They also allow to save regularly," said Florence Hovsepian, pole Director ING Direct savings. Note that banks remote chouchoutent more only their customers rate cannon shot. They also reserve inspired rates to their customers, Barclays, ING Direct, LCL, in consideration of new payments.

Long off course due to low pay (about 0.50 in May 2010), the accounts in the term are for a few months of the colors (see table). Indeed, banking propose again to their customers. Two reasons for this return to grace. Primo, rising short rates on financial markets contributes to an increase in their performance. Secondly, "deal with the obligations of prudential standards of Basel III, banks are obliged to pick up more deposits", explains François Rabat, responsible for savings to the credit of the North. Without risk, this placement is less liquid than the books. In return for the announced earnings, savings is immobilized 3 to 24 months, for choice. The deadline is long, the better is the compensation. If they are beaten by the passbooks for short periods (3 or 6 months), certain accounts are interesting starting 12 months and more. Note the VTB Direct offensive positioning, a Russian distance Bank. Arrival on the market of the individuals last December, it proposes 3.60 in 24 months and 3.85 for 36 months. "On these long times, we are a niche not exploited by the French banks." "Moreover, this product is one of our specialties in Russia," said Oleg Pichugin, commercial Director of the Bank.