{"id":38837,"date":"2026-09-14T11:45:03","date_gmt":"2026-09-14T09:45:03","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=38837"},"modified":"2026-09-22T14:40:19","modified_gmt":"2026-09-22T12:40:19","slug":"quel-placement-pour-mon-projet","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/quel-placement-pour-mon-projet\/","title":{"rendered":"Quel placement pour mon projet ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\" id=\"block-5d0b412a-0d8f-4245-97e5-64a9b1c09880\"><br>Vous souhaitez mettre de l'argent de c\u00f4t\u00e9 mais vous ne savez pas quel placement choisir ? Livret, assurance vie, PEA, PER... Avant de comparer les solutions d'\u00e9pargne, il faut d\u00e9finir son projet. Voyage, achat immobilier, changement de voiture, retraite ou \u00e9pargne de pr\u00e9caution : chaque objectif a ses propres contraintes. Le choix du placement d\u00e9pend avant tout de l'utilisation que vous ferez de cet argent, du montant dont vous aurez besoin et de la date \u00e0 laquelle vous souhaitez r\u00e9aliser votre projet.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"block-956f4555-5f7a-41e3-af18-c8268ed3f2ad\">Pour vous aider \u00e0 y voir plus clair, nous avons con\u00e7u un parcours interactif.<br>Voyons tout \u00e7a en 5 minutes. \u23f1\ufe0f<\/p>\n\n\n\n<div id=\"block-60bb4715-176c-4adb-b97b-3195450d7561\" class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/app.teachup.com\/play\/ccb52686-42b9-4013-8327-d9600a0f2b9c\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-576x1024.png\" alt=\"\" class=\"wp-image-38843\" width=\"288\" height=\"512\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-576x1024.png 576w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-169x300.png 169w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-768x1365.png 768w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-864x1536.png 864w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-45x80.png 45w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-264x470.png 264w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-141x250.png 141w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-28x50.png 28w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations.-550x978.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/09\/Je-souhaite-placer-de-largent.-Mon-cousin-me-dit-de-faire-comme-lui-et-dinvestir-dans-des-actions-et-des-obligations..png 1080w\" sizes=\"auto, (max-width: 288px) 100vw, 288px\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-cdb-dark-blue-background-color has-text-color has-background\" href=\"https:\/\/app.teachup.com\/play\/ccb52686-42b9-4013-8327-d9600a0f2b9c\" style=\"color:#ffffff\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>D\u00e9marrer l'exp\u00e9rience<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. D\u00e9finir son projet<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'argent mis de c\u00f4t\u00e9 pour faire face \u00e0 un impr\u00e9vu, financer des vacances ou pr\u00e9parer la retraite n'a pas la m\u00eame finalit\u00e9.<br>Plus votre projet est pr\u00e9cis, plus il est facile d'identifier la solution d'\u00e9pargne adapt\u00e9e. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Se poser des questions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de choisir un placement, posez-vous trois questions simples :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00c0 quoi servira cet argent ?<\/li><li>De quel montant aurez-vous besoin ?<\/li><li>\u00c0 quelle date ?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces r\u00e9ponses constituent une base essentielle pour orienter votre choix.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Prendre en compte le temps<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un projet \u00e0 court, moyen ou long terme ne se pr\u00e9pare pas de la m\u00eame fa\u00e7on.<br>L'horizon de temps influence les caract\u00e9ristiques recherch\u00e9es dans un placement, notamment la disponibilit\u00e9 de l'\u00e9pargne et le niveau de risque acceptable. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. D'autres crit\u00e8res \u00e0 consid\u00e9rer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'accessibilit\u00e9 de l'argent, le risque, la fiscalit\u00e9 ou encore votre situation personnelle sont autant d'\u00e9l\u00e9ments \u00e0 int\u00e9grer dans votre r\u00e9flexion avant de choisir un placement. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-4929fbc7-a2e2-4468-be84-03c798fbe238\">\ud83e\udd28 Pourquoi suivre ce module ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Livret A, LDDS, assurance vie, PEA, PER\u2026 Face \u00e0 la multitude de solutions d'\u00e9pargne, il n'est pas toujours facile de savoir laquelle choisir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, la bonne question n'est pas forc\u00e9ment : \u00ab Quel placement offre le meilleur rendement ? \u00bb mais plut\u00f4t : \u00ab Quel est mon projet ? \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce \u00e0 des mises en situation concr\u00e8tes, des quiz et des conseils pratiques, ce module vous aide \u00e0 identifier les crit\u00e8res essentiels pour choisir un placement adapt\u00e9 \u00e0 vos objectifs, \u00e0 votre horizon de temps et \u00e0 votre situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-d6b39189-6164-4213-af76-dd7e0f400f2b\"><sub>\ud83d\ude0d<\/sub> Au programme :<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>D\u00e9finir votre projet :<\/strong> identifier pr\u00e9cis\u00e9ment ce que vous souhaitez financer ou pr\u00e9parer.<\/li><li><strong>\u00c9valuer votre horizon de temps :<\/strong> distinguer les projets de court, moyen et long terme.<\/li><li><strong>D\u00e9terminer vos besoins :<\/strong> montant \u00e0 r\u00e9unir, disponibilit\u00e9 de l'\u00e9pargne et niveau de risque accept\u00e9.<\/li><li><strong>Faire des choix \u00e9clair\u00e9s :<\/strong> comprendre quels crit\u00e8res prendre en compte avant de choisir un placement.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-179b362f-f36e-417b-95d0-65e6efaceb27\">\ud83e\udd13 Une exp\u00e9rience ludique et concr\u00e8te<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En <strong>5 minutes<\/strong>, faites le point sur les questions \u00e0 vous poser avant de placer votre argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce module a \u00e9t\u00e9 con\u00e7u pour \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Interactif :<\/strong> quiz, sondages et cas pratiques vous permettent de tester vos connaissances.<\/li><li><strong>Accessible :<\/strong> des explications simples pour comprendre les notions essentielles sans jargon.<\/li><li><strong>Concret :<\/strong> des exemples inspir\u00e9s de projets du quotidien pour vous aider \u00e0 faire les bons choix.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-5c098a08-655c-4cc8-b274-21a2651843b5\">\ud83d\udde3\ufe0f Et apr\u00e8s ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un projet bien d\u00e9fini est souvent la premi\u00e8re \u00e9tape d'une \u00e9pargne r\u00e9ussie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Partagez ce module avec vos proches : \u00e9tudiant, jeune actif, parent ou futur retrait\u00e9, chacun peut \u00eatre concern\u00e9 par la question du choix d'un placement adapt\u00e9 \u00e0 ses projets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                      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l&#039;\u00e9tranger : ce qu&#039;il faut savoir avant de partir<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Partir en voyage, c&#039;est s&#039;\u00e9vader\u2026 mais c&#039;est aussi g\u00e9rer ses d\u00e9penses dans un environnement diff\u00e9rent. Carte bancaire, retrait d&#039;esp\u00e8ces, frais de change : comment \u00e9viter (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:382,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/quentend-on-par-education-financiere\/&quot;,&quot;title&quot;:&quot;Education financi\u00e8re : de quoi parle-t-on ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/03\/education-financiere-_BD-150x150.jpg&quot;,&quot;likes&quot;:34}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/quentend-on-par-education-financiere\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/03\/education-financiere-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/03\/education-financiere-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/03\/education-financiere-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/03\/education-financiere-_BD.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\">L&#039;apprentissage de l&#039;argent<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Education financi\u00e8re : de quoi parle-t-on ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:578,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/&quot;,&quot;title&quot;:&quot;Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, 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les moyens de paiement num\u00e9riques font partie du quotidien. Consulter ses comptes, effectuer un virement ou r\u00e9gler un achat en ligne (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:305,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/&quot;,&quot;title&quot;:&quot;Le droit au compte&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:81}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"305\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\"\n         data-title=\"Le droit au compte\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le droit au compte<\/span>\n                <\/h3>\n                                <p class=\"card__article\">En France, plus de 99% de la population poss\u00e8de au moins un compte bancaire. Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer (...)<\/p>\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 souhaitez mettre de l'argent de c\u00f4t\u00e9 mais vous ne savez pas quel placement choisir ? Livret, assurance vie, PEA, PER... Avant de comparer les solutions d'\u00e9pargne, il faut d\u00e9finir son projet. Voyage, achat immobilier, changement de voiture, retraite ou \u00e9pargne de pr\u00e9caution : chaque objectif a ses propres contraintes. Le choix du placement d\u00e9pend [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":2,"views":0,"viewed_at":"","newsletter":"1","_yoast_wpseo_primary_category":276,"footnotes":""},"categories":[387,92,37,4,276],"tags":[],"class_list":["post-38837","post","type-post","status-publish","format-standard","hentry","category-je-teste-mes-connaissances","category-les-placements","category-les-produits-depargne","category-boite-a-outils","category-mon-epargne"],"yoast_head":"<title>Quel placement pour mon projet ? - Mon \u00e9pargne - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Comment choisir un placement adapt\u00e9 \u00e0 votre projet ? 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