In December 2022, the OEE launched an index to measure the performance of French households’ financial savings.
The methodology is based on traditional methodology used for the calculation of stock indices and has been developed in consultation with Banque de France and AFG (both founding members of the OEE). All source data used is publicly available and comes from the Banque de France, France Assureurs or the ACPR.
The index is calculated quarterly by IEM Finance, an independent research firm specializing in the design, management and calculation of stock market indices, and is released on the third Thursday of March, June, September and December. The index is calculated under the sole responsibility of the OEE and does involve the member institutions’ one.
OEE index measuring the performance of French households’ financial savings should allow:
- to highlight the contribution of each asset class to global performance of households’ financial savings;
- to raise awareness of the importance of additional long-term saving in a context of ageing population and reform of public pay-as-you-go pension schemes;
- to raise awareness of the importance of diversification in an environment of rising inflation and interest rates.
Since December 31, 2012 :
- The average annual nominal performance of the index was 2.34%, with inflation averaging around 2%.
- With an average nominal annual performance of 5.4%, equity products contributed almost half of the index’s overall performance (46%), while weighing only 20% on average.
- Over the same period, the average annual nominal performance of fixed-income products was 1.58%.
In the fourth quarter of 2025 :
- With the recovery observed on equity markets over the first nine months of the year (+3.52% for the CAC 40 Total Net Return), the index’s nominal annual performance continued to rise in the third quarter (+3.44%, versus +3.17% the previous quarter).
- Equity products contributed 48% of this overall performance, with a portfolio weighting of 22%.
- Thanks to a further fall in inflation, annual performance in real terms continued to rise, reaching 2.78% versus 2.1% in the previous quarter.