Introduction
In 2024, the savings of the French continue to raise many questions, both regarding the amounts held and the choices made in a changing economic context. More than ever, families, especially active parents concerned about the future, seek to secure their assets and prepare for the unexpected. At Cabinet Thiéblemont AXA, we closely observe these developments to better assist you in your decisions, prioritizing a responsible, sustainable approach focused on protecting your loved ones.
Overview of French Savings in 2024
The year 2024 continues a trend that has been underway for several years: the desire to build precautionary savings remains strong, while new innovative products are increasingly attracting savers. The latest figures published by the Banque de France reveal that the average savings amount held by households continues to grow, with particular attention paid to the diversification of investments see official statistics. Active parents, often torn between immediate family needs and future preparation, today favor solutions that combine flexibility, security, and yield.
This evolution is explained by several factors: persistence of economic uncertainty, ecological awareness, and the desire to ensure sustainable wealth transfer. At Cabinet Thiéblemont AXA, we integrate these dimensions into our advice so that every decision is an investment for the future, both personal and collective.
New Savings Trends: Between Precaution and Durability
The 2024 trends highlight a rise in social and environmental responsibility in savings choices. Socially responsible investment (ISR) solutions and funds integrating ESG criteria (environmental, social, governance) are appealing to a growing audience, eager to give meaning to their wealth. This dynamic is supported by the offering of innovative products such as the AGIPI euro-growth fund or life insurance contracts that include responsible supports sector data AMF.
The impact of the health and geopolitical crisis has reinforced the precautionary savings reflex, but more and more French people are seizing the opportunity to allocate part of their savings to long-term investments that combine performance with societal utility. Active parents, aware of their dual family and civic responsibility, show a marked interest in these types of solutions, which meet both their security needs and their commitment to the planet.
Average Savings Amount: Where Do the French Stand?
According to the latest INSEE barometer, the average savings amount held by French households stands at nearly €16,000 in 2024, with significant disparities based on age, household composition, and professional situation INSEE report on wealth. Households with children, facing greater expenses, often opt for flexible solutions such as AGIPI life insurance, individual Retirement Savings Plans, or multi-support contracts that allow for family protection and long-term capital accumulation.
At Cabinet Thiéblemont AXA, we particularly advise active parents to diversify their supports whenever their situation allows, to benefit from both available liquidity in case of unforeseen events and long-term appreciation potential. This strategy, adapted to each stage of life, promotes serenity and the ability to act in the face of uncertainties.
How to Adapt Your Savings Strategy in 2024?
Adapting your savings strategy today requires balancing several objectives: security, yield, availability, and responsibility. For active parents, it is primarily about meeting the triple requirement of family protection, retirement preparation, and wealth transfer.
Our approach is based on a precise analysis of your needs and priorities, taking into account the evolution of your situation. Life insurance remains a safe bet for its versatility and tax advantages, while the individual Retirement Savings Plan (PER) allows for future preparation while benefiting from incentive schemes. Offers like the health supplement "My Health" or "AGIPI Health" fit perfectly into this logic of overall security, providing guarantees tailored to the needs of families and independents.
To go further, it is essential to stay informed about new trends and compare available solutions. The article Savings of the French in 2024: Amounts, New Trends, and Adaptation Advice offered on the Wispra directory provides additional insights into the choices to prioritize.
The Solutions of Cabinet Thiéblemont AXA to Secure Your Future
Protecting your future and that of your loved ones requires relying on proven and evolving solutions. At Cabinet Thiéblemont AXA, we offer our clients a comprehensive range of services: CAP AGIPI foresight, ARC AGIPI borrower insurance, health supplements, collective savings solutions for businesses, as well as specific schemes for liberal professions and independents. For active parents, we recommend exploring the possibilities offered by AGIPI life insurance and the euro-growth fund, which combine performance, security, and responsible commitment.
Our support goes well beyond simple subscription: it involves ongoing monitoring, adapted to the evolution of your family, your professional situation, and your projects. With our expertise in wealth and estate management, we help you anticipate each key step, in a responsible advisory approach, attentive to the planet and humanity.
Practical Advice for Active Parents: Putting Savings to Work for Your Peace of Mind
For active parents, it is often challenging to find the time to examine all available schemes. However, a few simple actions can make a difference: start saving early, even small amounts; prioritize regular contributions; diversify your supports to limit risks; and benefit from the advice of an experienced contact who can guide you toward the most relevant solutions at each stage.
Feel free to consult our advice and services in wealth management to discover how to optimize your savings strategy and prepare your family's future with peace of mind. Also, remember to regularly assess your situation to adjust your choices based on the evolution of your needs and the new opportunities available to you.
Conclusion: Act Today to Build Tomorrow's Security
The savings of the French in 2024 reflect a society in search of stability, meaning, and commitment. For active parents, surrounding themselves with experts capable of combining foresight, performance, and responsibility is a crucial choice for the future. At Cabinet Thiéblemont AXA, we are committed to supporting you in this approach, offering you evolving, accessible solutions that listen to your aspirations.
To delve deeper into the subject and access complementary resources, we invite you to explore the Guide to Wealth Management from the Banque de France, the Annual Barometer of the AMF on Savings, or the latest INSEE reports on household savings. Whether you are already engaged in a wealth optimization process or just starting to think about the future, one thing is certain: anticipating, informing oneself, and surrounding oneself with the right people remain the keys to successful savings and a protected future.