{"id":502,"date":"2024-03-09T00:00:00","date_gmt":"2024-03-08T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2015\/12\/09\/epargner-et-investir-pour-la-planete\/"},"modified":"2025-09-09T17:01:14","modified_gmt":"2025-09-09T15:01:14","slug":"epargner-et-investir-pour-la-planete","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/epargner-et-investir-pour-la-planete\/","title":{"rendered":"Epargner et investir pour la plan\u00e8te"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Une large palette de produits et de services bancaires peut permettre de placer votre \u00e9pargne en faveur de l'environnement et du climat.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi investir dans l\u2019\u00e9pargne verte ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chacun de nous peut agir en faveur de l'environnement. De nombreux <strong>produits d'\u00e9pargne et de placement<\/strong> propos\u00e9s prennent en compte les <strong>aspects environnementaux<\/strong>. C'est m\u00eame obligatoire pour certains supports. C'est l'occasion de faire un geste pour la plan\u00e8te.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais concr\u00e8tement, quand on investit, on veut aussi \u00eatre s\u00fbr d'une certaine <strong>rentabilit\u00e9<\/strong>, souvent d'ailleurs c'est la 1\u00e8re motivation de l'\u00e9pargne et des <strong>investissements<\/strong>, avant le climat. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rassurez-vous, vous n'aurez pas \u00e0 choisir entre<strong> investissement durable<\/strong> et <strong>rentable<\/strong>.&nbsp;En effet, le couple rendement-risque des <strong>fonds ESG<\/strong> se r\u00e9v\u00e8le souvent plus \u00e9lev\u00e9 que la moyenne. Les entreprises pr\u00e9sentant une <strong>notation ESG<\/strong> (crit\u00e8res Envionnemental, Social et de Gouvernance) \u00e9lev\u00e9e r\u00e9alisent \u00e0 long terme les meilleures <strong>performances <\/strong>financi\u00e8res car elles sont tr\u00e8s bien plac\u00e9es pour relever les nouveaux d\u00e9fis \u00e9conomiques. Vous pourrez d'ailleurs b\u00e9n\u00e9ficier de <strong>frais r\u00e9duits et d'un choix croissant de supports et de placements destin\u00e9s \u00e0 financer la transition \u00e9nerg\u00e9tique. <\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment reconna\u00eetre un produit d'\u00e9pargne vert ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la gamme de leurs produits d'\u00e9pargne, <strong>les banques proposent des livrets ou des produits de d\u00e9p\u00f4t \u00e0 terme dont les sommes sont investies dans des projets en faveur de la protection de l'environnement ou de la lutte contre le r\u00e9chauffement climatique<\/strong>. Leur site Internet propose aux \u00e9pargnants la liste de ces projets :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>renforcement de l'efficacit\u00e9 \u00e9nerg\u00e9tique (installation de panneaux photovolta\u00efques par exemple), <\/li><li>gestion de l'eau et des d\u00e9chets, etc. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au niveau local, il est m\u00eame parfois possible de g\u00e9o-localiser le projet \u00e9co-responsable qui va b\u00e9n\u00e9ficier des sommes \u00e9pargn\u00e9es. C'est l'occasion de soutenir les <strong>initiatives des entreprises de votre r\u00e9gion.<\/strong><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : Parmi l'ensemble des appellations commerciales, les termes \"vert\", \"\u00e9co\", ou \"environnement\" sont souvent pr\u00e9sents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels investissements financiers ? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Euronext&nbsp;a lanc\u00e9 en mars 2021 une <strong>version&nbsp;ESG du CAC 40<\/strong>. Il est d\u00e9fini par&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.amf-france.org\/fr\/espace-epargnants\/comprendre-les-produits-financiers\/finance-durable\/glossaire-de-la-finance-durable\" target=\"_blank\">l\u2019AMF<\/a>&nbsp;comme \"<em>un indice boursier compos\u00e9 de 40 valeurs, s\u00e9lectionn\u00e9es en fonction de crit\u00e8res environnementaux, sociaux et de gouvernance (ESG), parmi les 60 entreprises pr\u00e9sentes dans le CAC 40 et dans le CAC Next 20.<\/em>\" <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il s'inspire du <strong>label ISR<\/strong> (investissement socialement responsable). Cr\u00e9\u00e9 en 2016, celui-ci vise \u00e0 appliquer \u00e0 l\u2019investissement notamment les principes du d\u00e9veloppement durable. Ainsi, votre choix d\u2019un investissement ne sera pas exclusivement guid\u00e9 par des consid\u00e9rations financi\u00e8res de court terme. <strong>Il prendra aussi en compte des&nbsp;crit\u00e8res extra-financiers, comme le respect de l\u2019environnement, le bien-\u00eatre des salari\u00e9s, la bonne&nbsp;gouvernance&nbsp;au sein de l\u2019entreprise et le respect des droits humains.<\/strong> Les activit\u00e9s jug\u00e9es incompatibles avec les crit\u00e8res ESG, \u00e0 l'instar des activit\u00e9s autour du charbon, des armes controvers\u00e9es et du tabac, se retrouvent exclues.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une <a rel=\"noreferrer noopener\" href=\"https:\/\/presse.economie.gouv.fr\/06112023-bruno-le-maire-annonce-les-contours-du-nouveau-label-investissement-socialement-responsable-isr\/\" target=\"_blank\">nouvelle version du label ISR<\/a> est entr\u00e9 en vigueur d\u00e9but mars 2024. Ainsi, l\u2019\u00e9ligibilit\u00e9 des fonds exclut d\u00e9sormais les entreprises exploitant du charbon ou des hydrocarbures non conventionnels. Sont aussi exclues celles qui lancent de nouveaux projets d\u2019exploration, d\u2019exploitation ou de raffinage d\u2019hydrocarbures (p\u00e9trole ou gaz). Ce nouveau r\u00e9f\u00e9rentiel a \u00e9t\u00e9 publi\u00e9 fin novembre 2023. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus de 700 fonds b\u00e9n\u00e9ficient du label ISR et plus de 90 du <strong>label Greenfin<\/strong>. Cr\u00e9\u00e9 par le minist\u00e8re, ce label <strong>garantit la qualit\u00e9 verte des fonds d\u2019investissement <\/strong>et s\u2019adresse aux acteurs financiers qui agissent au service du bien commun gr\u00e2ce \u00e0 des pratiques transparentes et durables. Le label Greenfin a pour <strong>objectif de mobiliser une partie de l\u2019\u00e9pargne au b\u00e9n\u00e9fice de la transition \u00e9nerg\u00e9tique et \u00e9cologique.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pourrez choisir entre diff\u00e9rents types de fonds : immobilier, actions, obligations...<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u2019est-ce que les obligations vertes ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>obligations vertes<\/strong> ou <strong>obligations environnementales<\/strong> (en anglais \"<strong>Green Bonds<\/strong>\") sont des \u00e9missions obligataires effectu\u00e9es par une entreprise, une collectivit\u00e9 locale ou une organisation internationale. Elles sont destin\u00e9es \u00e0 financer pr\u00e9cis\u00e9ment des projets ou des activit\u00e9s g\u00e9n\u00e9rant un b\u00e9n\u00e9fice environnemental direct (\u00e9nergies renouvelables, efficacit\u00e9 \u00e9nerg\u00e9tique, adaptation au changement climatique\u2026). Ainsi, elles se distinguent des autres obligations par le <strong>caract\u00e8re \u00e9cologique et environnemental des projets financ\u00e9s<\/strong>, mais aussi par des exigences fortes en mati\u00e8re de reporting. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4 principes encadrent les obligations vertes pour vous aider \u00e0 \u00e9valuer l'impact environnemental de votre investissement :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la justification dans la documentation que les fonds recueillis sont destin\u00e9s \u00e0 un projet \"vert\" g\u00e9n\u00e9rant un b\u00e9n\u00e9fice environnemental parmi 8 types d'investissements possibles (li\u00e9s \u00e0 l'adaptation au changement climatique, au d\u00e9veloppement des \u00e9nergies renouvelables ou au d\u00e9veloppement durable par exemple),<\/li><li>l'analyse notamment du profil environnemental des projets et une estimation de leurs objectifs d'impact environnemental,<\/li><li>l'int\u00e9grit\u00e9 des fonds recueillis par les \u00e9missions,<\/li><li>l'information au moins annuelle sur la conduite et sur l'impact environnemental des projets financ\u00e9s.<\/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-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir<\/strong> : Certaines de ces obligations font l'objet d'une certification par un organisme ind\u00e9pendant pour garantir aux investisseurs le respect de ces r\u00e8gles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment souscrire ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez ainsi facilement souscrire \u00e0 un fonds<strong> <\/strong>ou un <strong>produit de finance responsable<\/strong>, aupr\u00e8s de votre <strong>conseiller bancaire<\/strong> ou financier \u00e0 travers diff\u00e9rents produits financiers :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>assurance-vie ;<\/li><li>Plan d\u2019Epargne en Actions (PEA), sous r\u00e9serve de s\u2019assurer que le fonds ISR choisi est bien \u00e9ligible au PEA ;<\/li><li>compte-titres ordinaire ;<\/li><li>\u00e9pargne salariale ou plan d\u2019\u00e9pargne d\u2019entreprise (PEE) ;<\/li><li>produits d\u2019\u00e9pargne retraite individuelle (PER).<\/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\">Rapprochez-vous de votre conseiller bancaire pour d\u00e9terminer le produit financier le plus adapt\u00e9 \u00e0 votre<strong> objectif d\u2019\u00e9pargne<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Epargner et investir pour la plan\u00e8te\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lelabelisr.fr\/\" target=\"_blank\">Label ISR - Pour des placements durables et responsables<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/download\/pdf?id=C56ScJI2ULrF9DjDAOawxy5oP6yO1oJwQPd8JkARcss\" target=\"_blank\">L\u00e9gifrance -Nouveau label ISR - JORF n\u00b0 0051 du 01\/03\/2024<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.ecologie.gouv.fr\/label-greenfin#scroll-nav__4\" target=\"_blank\">Le label Greenfin sur le site des Minist\u00e8res \u00c9cologie \u00c9nergie Territoires<\/a><\/li><li><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/louverture-et-le-fonctionnement-dun-produit-depargne\/\" target=\"_blank\" rel=\"noreferrer noopener\">L'ouverture et le fonctionnement d'un produit d'\u00e9pargne<\/a><\/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<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       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                    <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\">Epargner et investir vert<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Les \u00e9tablissements bancaires proposent aujourd&#039;hui de nombreux produits d&#039;\u00e9pargne et de placements en faveur de l&#039;environnement et du climat. Votre interlocuteur bancaire (...)<\/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;:599,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/epargner-en-fonction-des-contraintes-reglementaires\/&quot;,&quot;title&quot;:&quot;Epargner en fonction des contraintes r\u00e9glementaires&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/contrainte-reglementaires-_BD-150x150.jpg&quot;,&quot;likes&quot;:2}\"\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\" 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class=\"card__submetas\">\n                                        <p class=\"card__category\">Les crit\u00e8res et contraintes \u00e0...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Epargner en fonction des contraintes r\u00e9glementaires<\/span>\n                <\/h3>\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;:66,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/un-patrimoine-equilibre-et-diversifie\/&quot;,&quot;title&quot;:&quot;Un patrimoine financier \u00e9quilibr\u00e9 et 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Pourquoi investir dans l\u2019\u00e9pargne verte ? Chacun de nous peut agir en faveur de l'environnement. De nombreux produits d'\u00e9pargne et de placement propos\u00e9s prennent en compte les aspects environnementaux. C'est m\u00eame obligatoire pour [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":8,"views":7869,"viewed_at":"1778492881","newsletter":"0","_yoast_wpseo_primary_category":98,"footnotes":""},"categories":[30,98,276],"tags":[],"class_list":["post-502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-choix","category-les-contraintes-et-criteres-a-prendre-en-compte","category-mon-epargne"],"yoast_head":"<title>Epargner et investir pour la plan\u00e8te - Les crit\u00e8res et contraintes \u00e0 prendre en compte - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Une large palette de produits et de services bancaires peut vous permettre de placer votre \u00e9pargne en faveur de l&#039;environnement et du climat.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/epargner-et-investir-pour-la-planete\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Epargner et investir pour la plan\u00e8te - 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