In summary…
Inaction regarding your assets is not neutral: it has a cost. Savings held in a Livret A savings account at a rate of 2.4% per 100,000 years, against average inflation of 2.8% per 100,000 years, generates a negative real return of 0.4% per 100,000 years. On €100,000 left for ten years, the loss of purchasing power exceeds €4,000—not counting the opportunity cost of a strategic asset allocation that could have generated between €25,000 and €60,000 in additional capital over the same period. The simulator below calculates your personal loss by taking into account inflation, taxes, and opportunity cost.
- In 90 seconds, measure the actual annual loss of your tied-up savings
- 3 quantified scenarios status quo, conservative allocation, dynamic allocation
- No prior registration required Your diagnosis is immediate.
Calculate the true cost of your inaction regarding your assets.
Enter the amount of your dormant savings (Livret A, LDDS, current accounts, non-interest-bearing bank savings accounts). The simulator projects your loss over 5, 10, and 20 years, taking into account projected inflation and the net return after tax. Your data is neither stored nor transmitted.
Why inaction regarding assets is the primary source of losses for French savers
According to the Bank of France, over 580 billion euros are sitting idle in French households' Livret A and LDDS savings accounts. This capital is undergoing a double, silent erosion that savers never see reflected on their statements.
The first erosion is mechanical: inflation. When the interest rate on the Livret A savings account is lower than the inflation rate, the capital loses purchasing power every day. A euro deposited in 2020 will no longer be enough, in 2026, to buy what it could have bought then. This loss is invisible because the nominal balance of the account continues to increase—but its real value, on the other hand, declines.
The second form of erosion is more insidious: opportunity cost. Every euro tied up in a low-yield product is a euro not working within a strategic asset allocation. Over €100,000 left for ten years, the difference between a Livret A savings account and a prudent, diversified portfolio represents between €25,000 and €40,000 in final capital. Over twenty years, the difference frequently exceeds €100,000.
What most advisors fail to mention is that this loss isn't a potential risk: it's a definite and measurable cost. That's precisely what the simulator quantifies.
The 3 errors that this simulator reveals (and that your banker doesn't explain to you)
Mistake 1: Confusing nominal yield and actual yield
A Livret A savings account with a stated return of 2.4% seems reasonable. In reality, after inflation, the net return (after taxes, fees, and inflation) is often negative. The calculation no one does: Rate of return − inflation rate − taxation = real return. Over the decade 2015-2025, this real return was negative six years out of ten on the Livret A.
Mistake 2: Overestimating the need for liquidity
The traditional rule is to keep the equivalent of three to six months' worth of expenses in emergency savings. Beyond that, every euro held in liquid assets is an active decision to forgo a higher return. The simulator precisely identifies the portion of your savings that exceeds your actual emergency needs—and this is often 60% to 80% of your total capital.
Mistake 3: Postponing the decision "until markets are stable"«
This stance is statistically more costly than all the market downturns avoided. A 20-year JP Morgan study showed that an investor who missed the 10 best trading days saw their annualized return cut in half. Inaction is not a lack of decision-making; it's a decision to passively accept the market.
Case study: Marie, 52 years old, senior executive in Lyon
Marie has €180,000 in savings, divided between:
- €60,000 in a Livret A savings account
- €50,000 in a LDDS (Sustainable Development Savings Account)
- €70,000 in a non-interest-bearing current account
Its annual "loss of inactivity", calculated by the simulator:
| Job | Amount | Yield | Inflation 2.8 % | Actual annual loss |
|---|---|---|---|---|
| Savings Account A | 60 000 € | 2,4 % | -2,8 % | -240 € |
| LDDS | 50 000 € | 2,4 % | -2,8 % | -200 € |
| Current account | 70 000 € | 0 % | -2,8 % | -1 960 € |
| Total | 180 000 € | — | — | -€2,400/year |
Over 10 years, without doing anything, Marie loses the equivalent of €24,000 in purchasing power.
The opportunity cost of a diversified, prudent allocation (multi-support assurance-vie, boosted euro funds, SCPIs) on the €120,000 exceeding his precautionary needs:
- Target net yield: 4.5 % per year
- Estimated final capital after 10 years: 186 270 € (compared to €153,600 as is)
- Total difference: +€32,670
That's exactly what the simulator makes visible in 90 seconds.
How to transform diagnosis into an action strategy
The simulator identifies the problem. The wealth management strategy, on the other hand, is built on three pillars that we systematically address at Balmont Conseil:
- The sizing of precautionary savings. Three to six months of current expenses, adjusted according to the stability of your income and your family situation. No more.
- The allocation of surplus capital. Open architecture with tax-optimized investment vehicles: multi-support assurance-vie, PEA (equity savings plan), capitalization contract, SCPI (real estate investment trust) with split ownership. The choice depends on your investment horizon, marginal tax rate, and inheritance goals.
- Transmission engineering. If the objective includes an inheritance dimension, the architecture must integrate, from today onward, the mechanisms of split of ownership, tailor-made beneficiary clauses and, where applicable, the Dutreil pact for business leaders.
Our enhanced wealth management intelligence models these three axes simultaneously and identifies the allocation with the best return-risk-tax-liquidity ratio for your exact profile.
Designed by Alexis Sagnier
The simulator incorporates the 2026 macroeconomic parameters (Livret A rate, INSEE inflation, PFU taxation) and the allocation models used by the firm.
Your wealth deserves a borderless vision... and thoughtful action.
It's time to take action!
At the house of Balmont Conseil, We combine Alexis Sagnier's expertise with technological power to secure every euro invested in France or internationally.
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Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
