Introduction
Savings play a central role in the lives of the French, especially for active parents concerned about preparing for their family's future and securing their wealth. Amid economic concerns, the need for foresight, and the desire for sustainability, the question of the amount of savings and the best strategies to adopt remains essential. Cabinet Thiéblemont AXA offers you an updated analysis of the trends in French savings and expert advice to optimize your wealth while integrating a responsible and sustainable dimension into each of your decisions.
The major trends in savings in France
The analysis of savings behaviors shows that the French remain among the most cautious in Europe. According to the latest data from Banque de France, the savings rate of households reached nearly 18% of their gross disposable income in 2023, a historically high level (source Banque de France). This trend is explained by a context of economic uncertainty, a desire to build precautionary savings, and a growing awareness of the importance of preparing for the future.
Moreover, the composition of savings is evolving: the French are diversifying their wealth more and are leaning towards solutions that combine security, yield, and societal impact. Life insurance and the individual Retirement Savings Plan (PER) stand out as preferred investments, while green and responsible savings are experiencing growing enthusiasm (AMF report on sustainable savings).
Average amount of savings: where do the French stand?
The amount of savings held by the French varies greatly depending on profiles and family situations. According to INSEE, in 2022, the median financial wealth of French households is around €30,000 (INSEE figures), but this figure masks significant disparities. Active parents, often faced with managing their personal and family needs simultaneously, must balance between current expenses, building precautionary savings, and long-term investments.
This reality underscores the importance of a structured approach: it is not only about saving but saving wisely, taking into account one's objectives (security, yield, transmission) and constraints (budget, investment horizon, taxation).
The stakes of foresight and family protection
For active parents, foresight is not limited to protection against unforeseen events. It represents a responsible approach towards their family and loved ones. Solutions like CAP AGIPI foresight and borrower insurance ARC AGIPI offer tailored coverage against life's uncertainties (work stoppage, disability, death), while allowing for the preservation of the family living environment and the continuity of projects.
At Cabinet Thiéblemont AXA, our philosophy is to support each client in building comprehensive protection, integrating health, foresight, savings, and retirement. This approach is based on actively listening to your needs, education, and expert advice, to provide solutions consistent with your values and ambitions.
Optimize your wealth: strategies and best practices
In the face of the diversity of savings and investment solutions, it is essential to adopt a thoughtful wealth strategy. For an active parent concerned about the future, this involves:
- Building sufficient precautionary savings (generally equivalent to 3 to 6 months of income)
- Optimizing taxation through suitable products like AGIPI life insurance or the Retirement Savings Plan (PER)
- Diversifying investments (euro funds, unit-linked products, real estate)
- Integrating ESG (environmental, social, governance) criteria into investment choices
Expert support also allows for a better understanding of regulatory changes and seizing opportunities suited to each stage of life. At Cabinet Thiéblemont AXA, we systematically incorporate a reflection on sustainability and wealth transmission, so that your savings serve as a vector of security, but also of progress for future generations.
Sustainability and responsibility: the commitment of Cabinet Thiéblemont AXA
Responsible savings increasingly emerge as a priority for many French people. Choosing investment solutions that prioritize environmental preservation and respect for humanity responds to both an ethical commitment and a search for meaning in wealth management.
Cabinet Thiéblemont AXA is firmly committed to this approach: we offer solutions that integrate ESG criteria, as well as support in selecting sustainable and responsible products (learn more about our commitment). This orientation ensures the sustainability of your wealth while contributing to a more respectful economy, benefiting all of society.
Focus: preparing for retirement and securing the future of loved ones
Preparing for retirement remains one of the main drivers of savings for the French. According to the latest DREES barometer, 89% of households declare wanting to anticipate this key moment, but the majority express doubts about the amount needed to maintain their standard of living (DREES report).
Cabinet Thiéblemont AXA supports every step of this preparation: from analyzing your situation to implementing effective solutions, such as the individual PER, along with personalized advice on life insurance or real estate savings. The goal is to ensure your family's financial security and the smooth transmission of your wealth.
Understand, decide, act: expert support for every step
Because every situation is unique, it is essential to rely on a trusted partner to manage your savings, protect your loved ones, and build a secure future. Our team is committed to providing you with expert support based on listening, education, and transparency, to meet your expectations and guide you in a constantly evolving environment.
Do you wish to deepen your reflection or compare approaches? We invite you to consult our detailed article on the analysis of French savings, understanding the amount and optimizing your wealth on the Wispra directory.
Conclusion: Building today's security for tomorrow
Protecting the future of loved ones, optimizing wealth, and acting responsibly are challenges that require a comprehensive and expert approach. Cabinet Thiéblemont AXA, rooted in Nouvelle-Aquitaine and committed to its clients across France, is dedicated to supporting you in managing your savings, protecting your family, and preparing for your future.
To discover all our solutions and benefit from support that is both human, responsible, and effective, visit cabinet-thieblemont.fr. Together, let's build the foundations of a solid, sustainable, and meaningful wealth.