{"id":215,"date":"2026-03-19T12:43:27","date_gmt":"2026-03-19T11:43:27","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=215"},"modified":"2026-03-19T12:43:27","modified_gmt":"2026-03-19T11:43:27","slug":"lepargne-des-francais-a-rapporte-35-en-2025","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lepargne-des-francais-a-rapporte-35-en-2025","title":{"rendered":"L\u2019\u00e9pargne des Fran\u00e7ais a rapport\u00e9 3,5% en 2025"},"content":{"rendered":"

Au quatri\u00e8me trimestre 2025, les placements des Fran\u00e7ais ont rapport\u00e9 3,44% en moyenne par rapport au quatri\u00e8me trimestre 2024, selon l’indice de performance de l’\u00e9pargne financi\u00e8re des m\u00e9nages, calcul\u00e9 par l’Observatoire de l\u2019\u00c9pargne Europ\u00e9enne (OEE, association sans but lucratif). Celle-ci ressort en hausse par rapport au trimestre pr\u00e9c\u00e9dent (+ 3,17%) gr\u00e2ce \u00ab\u00a0\u00e0 la reprise constat\u00e9e sur les march\u00e9s d\u2019actions\u00a0\u00bb sur la p\u00e9riode.<\/p>\n

En termes r\u00e9els (apr\u00e8s prise en compte de l\u2019inflation), la performance s\u2019appr\u00e9cie pour atteindre 2,78%, contre 2,1% au cours du trimestre pr\u00e9c\u00e9dent, gr\u00e2ce au ralentissement de la hausse du co\u00fbt de la vie. Net d\u2019inflation, l\u2019indice affiche une performance positive pour le huiti\u00e8me trimestre cons\u00e9cutif.<\/p>\n

Performance annuelle de 2,34% sur 13 ans<\/h2>\n

Selon l’indice de performance de l\u2019OEE, le portefeuille des \u00e9pargnants affiche une performance annuelle de 3,5% sur l\u2019ensemble de l\u2019ann\u00e9e 2025. Depuis le 31 d\u00e9cembre 2012, le portefeuille des \u00e9pargnants fran\u00e7ais affiche une performance annualis\u00e9e de 2,34% \u00e0 fin 2025, \u00e0 comparer \u00e0 une inflation moyenne d\u2019environ 2%.<\/p>\n

Sur ces 13 ans, l\u2019OEE souligne qu\u2019avec un gain annuel moyen de 5,4%, les produits de fonds propres ont contribu\u00e9 \u00e0 pr\u00e8s de la moiti\u00e9 de la performance globale de l\u2019indice (46%), alors que leur poids dans l\u2019indice n\u2019est que de 20% en moyenne. Les produits de fonds propres englobent les actions cot\u00e9es d\u00e9tenues directement et indirectement, les supports en unit\u00e9s de compte (non garantis) d\u00e9tenus en assurance vie et en \u00e9pargne retraite, ainsi que les fonds actions, mixtes, immobiliers, de capital-investissement (non cot\u00e9) et fonds \u00e0 formule.<\/p>\n

Sur la m\u00eame p\u00e9riode, la performance annuelle moyenne des produits de taux s\u2019\u00e9l\u00e8ve \u00e0 1,58%. Ceux-ci incluent les fonds en euros des contrats d\u2019assurance vie et d\u2019\u00e9pargne retraite (PER et anciennes g\u00e9n\u00e9rations de contrats de type Perp et Madelin), les fonds mon\u00e9taires, les obligations d\u00e9tenues directement et indirectement, ainsi que les d\u00e9p\u00f4ts bancaires, qu\u2019ils soient r\u00e9mun\u00e9r\u00e9s (livrets) ou non (d\u00e9p\u00f4ts \u00e0 vue, cash). Or ces supports \u00e0 risque nul, faible ou mod\u00e9r\u00e9 ont un poids pr\u00e9pond\u00e9rant dans la composition du patrimoine financier des m\u00e9nages.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sur longue p\u00e9riode, une \u00e9tude de l’Observatoire de l’\u00e9pargne europ\u00e9enne (OEE) confirme que les placements en actions contribuent \u00e0 booster la performance de l\u2019\u00e9pargne des m\u00e9nages.<\/p>\n","protected":false},"author":13709,"featured_media":216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nL\u2019\u00e9pargne des Fran\u00e7ais a rapport\u00e9 3,5% en 2025<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lepargne-des-francais-a-rapporte-35-en-2025\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" 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