{"id":355,"date":"2025-01-15T00:00:00","date_gmt":"2025-01-14T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/19\/les-sicav-monetaires-de-court-terme-ou-de-tresorerie\/"},"modified":"2025-01-21T16:45:37","modified_gmt":"2025-01-21T14:45:37","slug":"opcvm-monetaires","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/opcvm-monetaires\/","title":{"rendered":"Placement de tr\u00e9sorerie : qu'est-ce-qu'un OPCVM mon\u00e9taire ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous disposez d\u2019une tr\u00e9sorerie exc\u00e9dentaire et souhaitez investir \u00e0 court terme&nbsp;? Les OPCVM (organismes de placement collectif en valeur mobili\u00e8re) mon\u00e9taires peuvent \u00eatre une solution. Ils vous permettent de r\u00e9aliser des placements peu risqu\u00e9s et avec un rendement g\u00e9n\u00e9ralement sup\u00e9rieur aux comptes d\u2019\u00e9pargne traditionnels. D\u2019une grande flexibilit\u00e9, vous pouvez en acheter et en vendre \u00e0 tout moment, selon votre tr\u00e9sorerie et\/ou votre capacit\u00e9 d'\u00e9pargne, par exemple via un compte titres ou une assurance vie proposant ce type de placement.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C'est quoi un OPCVM ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un OPCVM est une structure d\u2019investissement qui permet aux \u00e9pargnants d\u2019<strong>investir collectivement<\/strong> dans divers <strong>actifs financiers<\/strong> comme des :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>titres mon\u00e9taires<\/strong>, pour une faible volatilit\u00e9 (OPCVM mon\u00e9taire) ;<\/li><li><strong>obligations<\/strong>, pour des rendements r\u00e9guliers (OPCVM obligataire)&nbsp;;<\/li><li><strong>actions<\/strong>, pour un potentiel de rendement plus \u00e9lev\u00e9 mais avec plus de risques (OPCVM actions).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019<strong>OPCVM <\/strong>peut prendre la forme de&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>SICAV<\/strong> (Soci\u00e9t\u00e9 d\u2019Investissement \u00e0 Capital Variable), dot\u00e9e d\u2019une personnalit\u00e9 morale et d\u2019un conseil d\u2019administration, elle regroupe des actionnaires. Vous devenez donc actionnaire du fonds ;<\/li><li><strong>FCP<\/strong> (Fonds Communs de Placement), copropri\u00e9t\u00e9 de valeurs mobili\u00e8res qui \u00e9met des parts. Vous d\u00e9tenez alors des parts du fonds.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A savoir&nbsp;: Les OPCVM sont g\u00e9r\u00e9s par des soci\u00e9t\u00e9s de gestion professionnelles et sont soumis \u00e0 une r\u00e9glementation stricte par l'Autorit\u00e9 des March\u00e9s Financiers (AMF).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu'est-ce qu'un OPCVM mon\u00e9taire ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>OPCVM mon\u00e9taire<\/strong> investit principalement dans des titres de cr\u00e9ances n\u00e9gociables, des bons du Tr\u00e9sor et des obligations \u00e0 court terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On distingue principalement deux types d'OPCVM mon\u00e9taires, les :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\"classiques\" ou \"r\u00e9guliers\" : compos\u00e9s de titres dont la dur\u00e9e de vie n'exc\u00e8de pas 3 mois&nbsp;;<\/li><li>\"dynamiques\" : compos\u00e9s principalement de produits mon\u00e9taires dont la dur\u00e9e de vie est plus longue puisqu'elle peut aller jusqu'\u00e0 2 ans, mais elles peuvent comporter une certaine part de risque.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon la dur\u00e9e des produits qui composent chaque OPCVM mon\u00e9taire, celle-ci sera plus ou moins sensible aux variations des taux du March\u00e9 Mon\u00e9taire. Pour les plus sensibles, une faible part de risque peut am\u00e9liorer ou d\u00e9grader les espoirs de rendement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les avantages d'un OPCVM mon\u00e9taire ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un OPCVM mon\u00e9taire pr\u00e9sente plusieurs avantages&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>liquidit\u00e9<\/strong>&nbsp;: les parts peuvent \u00eatre achet\u00e9es et vendues \u00e0 tout moment (\u00e0 la diff\u00e9rence d\u2019un compte \u00e0 terme par exemple), vous b\u00e9n\u00e9ficiez ainsi d\u2019une grande flexibilit\u00e9 pour g\u00e9rer votre tr\u00e9sorerie&nbsp;;<\/li><li><strong>s\u00e9curit\u00e9<\/strong>&nbsp;: bas\u00e9s sur des titres de cr\u00e9ances \u00e0 court terme, les investissements sont g\u00e9n\u00e9ralement peu risqu\u00e9s&nbsp;;<\/li><li><strong>rendement<\/strong>&nbsp;: bien que les rendements soient g\u00e9n\u00e9ralement modestes, ils sont souvent sup\u00e9rieurs \u00e0 ceux des comptes d'\u00e9pargne traditionnels.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un placement en <strong>OPCVM mon\u00e9taire <\/strong>est donc bien adapt\u00e9 pour placer des exc\u00e9dents passagers de tr\u00e9sorerie ou des capitaux en attente d'opportunit\u00e9 de r\u00e9emploi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 tout moment vous disposez d'une possibilit\u00e9 de <strong>r\u00e9cup\u00e9ration de votre placement<\/strong>, m\u00eame partielle ou bien au contraire, une possibilit\u00e9 de compl\u00e9ment de placement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour en savoir plus, contactez votre conseiller bancaire. Il pourra selon vos objectifs, la situation de votre entreprise et votre tr\u00e9sorerie, vous renseigner sur les diff\u00e9rents types de fonds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Combien \u00e7a co\u00fbte ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le plus souvent, la soci\u00e9t\u00e9 de gestion vous facture des&nbsp;frais de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>entr\u00e9e<\/strong> : pr\u00e9lev\u00e9s lors de l'achat des parts du fonds&nbsp;;<\/li><li><strong>gestion<\/strong>&nbsp;: pr\u00e9lev\u00e9s annuellement pour couvrir les co\u00fbts de gestion du fonds ;<\/li><li><strong>sortie<\/strong>&nbsp;: appliqu\u00e9s lorsque vous vendez vos parts.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle vous pr\u00e9l\u00e8ve \u00e9galement des commissions de&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>mouvement<\/strong>&nbsp;: li\u00e9s aux transactions effectu\u00e9es (achat et vente de titres)&nbsp;;<\/li><li><strong>surperformance<\/strong>&nbsp;: si le fonds d\u00e9passe un certain niveau de performance.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous trouverez le d\u00e9tail des frais associ\u00e9s au produit financier souscrit dans le <strong>Document d'Information Cl\u00e9 pour l'Investisseur (DICI)<\/strong> qui doit vous \u00eatre remis.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A noter&nbsp;: les plus-values r\u00e9alis\u00e9es sont imposables au titre des produits financiers et repris dans votre compte de r\u00e9sultats annuel.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Placement de tr\u00e9sorerie : qu'est-ce-qu'un OPCVM mon\u00e9taire ?\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.amf-france.org\/fr\/espace-epargnants\/comprendre-les-produits-financiers\/placements-collectifs\/les-frais-des-fonds-et-sicav\">Les frais des fonds et Sicav | AMF<\/a><\/li><li><a href=\"https:\/\/www.amf-france.org\/fr\/espace-epargnants\/comprendre-les-produits-financiers\/placements-collectifs\/ce-quil-faut-savoir-sur-les-placements-collectifs-fonds-et-sicav\">Ce qu'il faut savoir sur les placements collectifs (fonds et sicav) | AMF<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" 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width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/compte-epargne-pro\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les placements<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Compte \u00e9pargne pro : quel fonctionnement et pourquoi l&#039;adopter ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Vous disposez d\u2019une tr\u00e9sorerie exc\u00e9dentaire et souhaitez investir \u00e0 court terme&nbsp;? Les OPCVM (organismes de placement collectif en valeur mobili\u00e8re) mon\u00e9taires peuvent \u00eatre une solution. Ils vous permettent de r\u00e9aliser des placements peu risqu\u00e9s et avec un rendement g\u00e9n\u00e9ralement sup\u00e9rieur aux comptes d\u2019\u00e9pargne traditionnels. D\u2019une grande flexibilit\u00e9, vous pouvez en acheter et en vendre \u00e0 [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":2970,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":11,"views":15654,"viewed_at":"1778494253","newsletter":"0","_yoast_wpseo_primary_category":139,"footnotes":""},"categories":[102,139],"tags":[],"class_list":["post-355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-de-tresorerie","category-les-placements"],"yoast_head":"<title>Placement de tr\u00e9sorerie : qu&#039;est-ce-qu&#039;un OPCVM mon\u00e9taire ? - Les placements - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"Vous disposez d\u2019une tr\u00e9sorerie exc\u00e9dentaire et souhaitez investir \u00e0 court terme ? 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