Do you want to open a savings book for your child? Here are the most interesting

Many French people put money aside for their children, directly on savings accounts open to their name. But it can be complicated to choose from the multitude of possibilities offered by banking establishments. Which booklet to open? We are sorting. © Alex P. / Pexels – Many parents open savings accounts on behalf of their child, often from birth. Save save Receive the savings alerts the savings equation + child often has the result: young booklet. The title of this savings product naturally pushes it to consider it for your child when making a choice. Its advantages are certain, RMC consumption list: its interest rate cannot be lower than that of booklet A and it can be higher, banks freely fixing its remuneration. Being capped at 1600 euros, it is a perfect product to learn how to manage your own money and children, majority, cannot withdraw without parental authorization. Only here: the young booklet can only be opened from the 12th anniversary of its holder. However, many parents wish to put money aside for their children from birth. In this case, the booklet therefore remains the privileged product. Despite its passage from 3 to 2.4% in February, “the booklet remains competitive for savers” assures Philippe Crevel, director general of the circle of savings. Anna Meylecq, spokesperson for the pan-spa comparator, confirms: “He has a fairly high ceiling of 22,950 euros, his interests are exempt from taxes and is offered by all banks including those online”. Until his 16th birthday, the holder can withdraw money at any time with the authorization of the legal representative and after his 16 years, he can do so alone, specifies RMC Conso. Read also: Savings: “What placement to favor if my booklets are on the ceiling?” Life insurance, LDDS, PEL, Cel … their advantages and their disadvantages of other investments are possible. Among them, the life insurance contract, to be taken out with insurance on behalf of legal representatives. For Philippe Crevel, this is a “more dynamic. The rates vary according to insurers, they are between 2.6% and 4%. ” Capital is never blocked and it is possible to make withdrawal withdrawals. In addition, it allows an annual tax allowance of 4,600 euros (9,200 euros for a married couple) on the gains generated if the contract is more than eight years old. As for the child, he will have to wait for his majority to take control. Read also: Booklet A or Life Insurance: What is the best investment in 2025, according to your profile? Also look at the sustainable and solidarity development booklet (LDDS), at the same rate and the same advantages as the A. The only major difference: the lower ceiling, at 12,000 euros. The housing or PEL savings plan can be opened “to finance the future ownership of your child in the long term,” explains Philippe Crevel. It can be combined with booklet A and LDDS and its ceiling is 61,200 euros. Its defect: its interest rate of 1.75% for booklets open before January 1, 2025. In addition, interest is subject to income tax and social security contributions. Finally, the housing savings account, or CEL, allows you to request a mortgage or a work loan, but its interest rate is 1.5% and its ceiling at 15,000 euros. He is also subject to tax. Receive our latest news each week, the flagship items to support your personal finances. (tagstotranslate) u00e9Pargne

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