It’s a known fact: the French save a lot. And the more anxiety-provoking the context, the more this effort increases. But what are they aiming for first? “In an uncertain economic context, the desire of the French to save in a secure manner largely takes precedence over their search for a positive impact on society and the environment”, conclude France Active and Fair, in their latest barometer on solidarity savings . The first expectations concern the availability of savings for 33% of respondents, security of capital (29%) and financial return (22%). The social and ecological impact of their investment is mentioned as a priority criterion by only 12% of those questioned.
With real estate companies, tax reductions
However, solidarity savings makes it possible to meet several of these wishes. While it is possible to opt for booklets where part of the winnings are paid to a solidarity organization, their rates are rarely competitive. But you can also turn to funds with different risk profiles, 5 to 10% of which are used to finance social and solidarity enterprises.
Another option: solidarity property companies, such as Habitat et Humanisme or Terre de Liens. Each structure has its own remuneration: some pay an annual return, others regularly revalue the value of the share. Above all, some of these real estate investments give rise to a tax advantage: the saver can then deduct 25% of the sums invested from their income tax, within the limit of 12,500 euros for a single person and 25,000 euros for a couple. .