{"id":606,"date":"2023-03-30T00:00:00","date_gmt":"2023-03-29T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2013\/08\/26\/instrument-financier-les-informations-recues\/"},"modified":"2023-04-04T16:52:38","modified_gmt":"2023-04-04T14:52:38","slug":"instrument-financier-les-informations-recues","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/instrument-financier-les-informations-recues\/","title":{"rendered":"Souscrire un instrument financier : des informations cl\u00e9s"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Avant de souscrire un instrument financier, vous avez besoin d'un certain nombre d'informations. Vous recevrez des recommandations personnalis\u00e9es de votre conseiller et les caract\u00e9ristiques du produit conseill\u00e9. <\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Lire avec soin le document d'information cl\u00e9s (DIC) du produit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Votre interm\u00e9diaire financier vous remet un document pr\u00e9contractuel contenant les <strong>caract\u00e9ristiques essentielles <\/strong>de l'instrument financier propos\u00e9 et notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>ses caract\u00e9ristiques techniques,<\/li><li>ses objectifs de <strong>gestion<\/strong>,<\/li><li>son niveau du <strong>risque<\/strong>,<\/li><li>la <strong>dur\u00e9e <\/strong>recommand\u00e9e du placement<\/li><li>le montant des <strong>frais<\/strong>, taxes et commissions \u00e0 votre charge.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce document synth\u00e9tique vous permet de <strong>comparer <\/strong>plusieurs produits avant de faire votre choix. Un nouveau format standard de document nomm\u00e9 \"<strong>DIC<\/strong>\" (pour <strong>document d'information cl\u00e9s)<\/strong> de 2 \u00e0 3 pages maximum a \u00e9t\u00e9 mis en place en janvier 2023 pour r\u00e9pondre \u00e0 de nombreuses question pratiques. \"En quoi consiste ce produit ?\", \"Quels sont les <strong>risques <\/strong>et qu\u2019est-ce que cela pourrait me rapporter ?\", \"Combien de temps dois-je le <strong>conserver <\/strong>et puis-je retirer de l\u2019argent de fa\u00e7on anticip\u00e9e ?\", et  \"Que va me co\u00fbter cet <strong>investissement <\/strong>?\". <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous y trouverez aussi des :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>sc\u00e9narios de performance<\/strong> avec 4 hypoth\u00e8ses d'\u00e9volution des march\u00e9s (d\u00e9favorable, interm\u00e9diaire, favorable et \u00ab de tension \u00bb), sur une ou plusieurs dur\u00e9es (les performances pass\u00e9es n'y sont plus indiqu\u00e9es), <\/li><li>une \u00e9valuation des <strong>co\u00fbts <\/strong>sur le rendement (co\u00fbts ponctuels, r\u00e9currents, accessoires),<\/li><li> un nouvel <strong>indicateur de risque<\/strong> de 1 (risque le plus faible) \u00e0 7 (risque le plus \u00e9lev\u00e9).  <\/li><\/ul>\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\">Vous pouvez aussi lire la notice ou le prospectus de la SCPI ou du fonds pour avoir plus de d\u00e9tails. Rappelez-vous que la promesse d\u2019un potentiel de <strong>rendement <\/strong>\u00e9lev\u00e9 est toujours synonyme d\u2019un <strong>risque <\/strong>\u00e9lev\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quand un DIC doit-il vous \u00eatre remis ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>DIC <\/strong>doit vous \u00eatre remis (sur internet ou en papier) si vous souhaitez investir dans des :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>soci\u00e9t\u00e9s civiles de placement immobilier (<strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/les-scpi-societes-civiles-de-placement-immobilier\/\" target=\"_blank\" rel=\"noreferrer noopener\">SCPI<\/a><\/strong>), <\/li><li>placements collectifs (<strong>FCP <\/strong>et <strong>SICAV<\/strong>, SCPI, etc.),  souscrits via un plan d\u2019\u00e9pargne en actions (<strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pea-plan-epargne-en-actions\/\" target=\"_blank\" rel=\"noreferrer noopener\">PEA<\/a><\/strong>), un <strong>compte titres<\/strong>, un <strong>plan d\u2019\u00e9pargne salariale <\/strong>ou encore par un contrat d\u2019<strong>assurance vie<\/strong> en unit\u00e9s de compte ou un contrat de capitalisation,<\/li><li><strong>produits \u00ab \u00e0 formule \u00bb<\/strong> : fonds ou des titres de cr\u00e9ance, dont la valeur de remboursement d\u00e9pend des fluctuations d\u2019un indice boursier, panier d\u2019actions notamment, en application d\u2019une formule math\u00e9matique.<\/li><\/ul>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">Lisez-le tr\u00e8s attentivement le DIC, au besoin emportez-le chez vous pour le lire \u00e0 t\u00eate repos\u00e9e. S'il y a des points que vous ne comprenez pas, n'h\u00e9sitez pas \u00e0 poser des questions \u00e0 votre conseiller.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Suivre ou non les recommandations de votre conseiller<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Votre conseiller vous proposera des <strong>instruments financiers<\/strong> correspondant aux attentes :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>que vous avez d\u00e9j\u00e0 exprim\u00e9es,<\/li><li>que vous exprimez \u00e0 ce moment l\u00e0. Il peut en effet recueillir \u00e0 nouveau des informations par \u00e9crit.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Attention : en cas de r\u00e9ponses incompl\u00e8tes ou ne refl\u00e9tant pas la r\u00e9alit\u00e9, vous risqueriez de vous voir proposer un instrument financier <strong>inappropri\u00e9<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez d\u00e9cider de souscrire un instrument financier que votre <strong>conseiller <\/strong>juge inappropri\u00e9. Dans ce cas :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vous serez clairement inform\u00e9 par votre banque du caract\u00e8re inappropri\u00e9 de l'op\u00e9ration<\/li><li>vous signerez un document d\u00e9gageant sa responsabilit\u00e9 au titre de cette op\u00e9ration.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous d\u00e9cidez de r\u00e9aliser de votre propre initiative une op\u00e9ration sans recevoir de <strong>recommandations personnalis\u00e9es<\/strong> de votre conseiller, l'op\u00e9ration sera faite \u00e9galement sous votre seule responsabilit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez aussi estimer que, malgr\u00e9 sa recommandation, votre <strong>connaissance financi\u00e8re<\/strong> est insuffisante. Votre <strong>conseiller <\/strong>vous proposera alors par exemple un instrument financier <strong>non risqu\u00e9<\/strong>, \u00e0 <strong>capital garanti<\/strong>.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>Astuce <\/strong>: N'h\u00e9sitez jamais \u00e0 poser des questions \u00e0 votre conseiller et si vous ne comprenez pas ses r\u00e9ponses, signalez-le lui.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Souscrire un instrument financier : des informations cl\u00e9s\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.amf-france.org\/fr\/actualites-publications\/publications\/guides\/guides-epargnants\/comprendre-le-document-dinformations-cles-dic\" target=\"_blank\" rel=\"noreferrer noopener\">Comprendre le document d'informations cl\u00e9s (DIC) sur le site de l'AMF (amf-france.org)<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" 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src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/comment-se-passe-investissement-_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\">La protection des \u00e9pargnants<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment se passe l&#039;investissement dans un instrument financier ?<\/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 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/actions-2-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/actions-2-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/actions-2-_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\">Les titres<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les actions : Qu&#039;est-ce que c&#039;est ?<\/span>\n                <\/h3>\n                          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instrument financier, vous avez besoin d'un certain nombre d'informations. Vous recevrez des recommandations personnalis\u00e9es de votre conseiller et les caract\u00e9ristiques du produit conseill\u00e9. Lire avec soin le document d'information cl\u00e9s (DIC) du produit Votre interm\u00e9diaire financier vous remet un document pr\u00e9contractuel contenant les caract\u00e9ristiques essentielles de l'instrument financier propos\u00e9 et notamment [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5396,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":11,"views":5696,"viewed_at":"1778495031","newsletter":"0","_yoast_wpseo_primary_category":188,"footnotes":""},"categories":[188,30,276],"tags":[],"class_list":["post-606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-la-protection-des-epargnants","category-le-choix","category-mon-epargne"],"yoast_head":"<title>Souscrire un instrument financier : des informations cl\u00e9s - La protection des \u00e9pargnants - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Avant de souscrire un instrument financier, vous recevez un document d&#039;information cl\u00e9s et des recommandations personnalis\u00e9es de votre conseiller.\" \/>\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\/instrument-financier-les-informations-recues\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Souscrire un instrument financier : des informations cl\u00e9s - 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