{"id":66,"date":"2023-11-09T00:00:00","date_gmt":"2023-11-08T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/10\/09\/un-patrimoine-equilibre-et-diversifie\/"},"modified":"2023-11-20T18:30:29","modified_gmt":"2023-11-20T16:30:29","slug":"un-patrimoine-equilibre-et-diversifie","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/un-patrimoine-equilibre-et-diversifie\/","title":{"rendered":"Un patrimoine financier \u00e9quilibr\u00e9 et diversifi\u00e9"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Pour faire face \u00e0 toutes les \u00e9ventualit\u00e9s et couvrir l'ensemble de vos besoins, pensez \u00e0 diversifier vos produits d'\u00e9pargne et vos placements, entre long terme et court terme, garantis et risqu\u00e9s, etc. (comptes d'\u00e9pargne, immobilier, assurance vie, etc.).<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La composition du patrimoine<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les diff\u00e9rents \u00e9l\u00e9ments constitutifs d'un <strong>patrimoine financier <\/strong>peuvent \u00eatre d\u00e9tenus dans des <strong>proportions <\/strong>variables. On peut distinguer :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>l'ensemble de vos <strong>avoirs bancaires<\/strong>, c'est-\u00e0-dire vos comptes \u00e0 vue et vos <strong>comptes d'\u00e9pargne<\/strong>,<\/li><li>vos <strong>placements financiers<\/strong>, contrats d'assurance-vie, comptes titres et PEA par exemple, <\/li><li>vos produits <strong>retraite <\/strong>(PER), votre <strong>\u00e9pargne salariale <\/strong>(PEE),<\/li><li>vos placements en mati\u00e8res premi\u00e8res et <strong>m\u00e9taux pr\u00e9cieux<\/strong> (or par exemple), <strong>vignes<\/strong>, <strong>for\u00eats <\/strong>et m\u00eame <strong>crypto-actifs<\/strong>, vos objets d'art,<\/li><li>votre patrimoine immobilier notamment locatif.<\/li><\/ul>\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\">Pour beaucoup de Fran\u00e7ais propri\u00e9taires de leur logement, la valeur immobili\u00e8re repr\u00e9sente la plus grosse partie du patrimoine. La r\u00e9sidence principale ne doit pas cependant pas \u00eatre prise en consid\u00e9ration, du moins dans le patrimoine financier et l'\u00e9pargne en g\u00e9n\u00e9ral, car elle n'est pas mobilisable. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>La gestion du patrimoine<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00e9n\u00e9ral, la gestion de votre patrimoine se place d'elle-m\u00eame dans une perspective de <strong>long terme<\/strong>, sauf quand un projet personnel vous impose des d\u00e9cisions \u00e0 court terme, par exemple un achat immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En principe, si votre gestion se situe dans le <strong>court terme<\/strong>, vous devrez vous pr\u00e9munir contre les risques de fluctuation de votre capital. A l'inverse, si vous visez le long terme, les fluctuations en capital repr\u00e9sentent plus des opportunit\u00e9s que des risques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aucune banque ou organisme s\u00e9rieux ne vous encouragera \u00e0 la sp\u00e9culation boursi\u00e8re \u00e0 court terme, c'est-\u00e0-dire la recherche de plus values imm\u00e9diates en prenant un maximum de risques, du moins sur une part significative de votre patrimoine. La <strong>sp\u00e9culation boursi\u00e8re<\/strong> est un jeu dangereux o\u00f9 les risques de perte sont souvent masqu\u00e9s par l'illusion de gains rapides. Ne vous y aventurez que si vous \u00eates certain d'accepter de perdre, le cas \u00e9ch\u00e9ant, votre mise de d\u00e9part.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec votre conseiller bancaire, maintenez l'\u00e9quilibre entre les grands axes de votre gestion : <strong>s\u00e9curit\u00e9<\/strong>, <strong>rendement<\/strong>, <strong>disponibilit\u00e9 <\/strong>et <strong>fiscalit\u00e9<\/strong>. Selon les supports, il est possible d'opter pour une <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/donner-un-mandat-de-gestion-pour-votre-patrimoine\/\" target=\"_blank\" rel=\"noreferrer noopener\">gestion d\u00e9l\u00e9gu\u00e9e<\/a> ou une gestion pilot\u00e9e. Dans ce cas, elle tient compte de votre \u00e2ge pour devenir de plus en plus s\u00e9curis\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'AMF propose sur son site un outil \"<a href=\"https:\/\/www.amf-france.org\/fr\/espace-epargnants\/lexique-simulateurs-et-outils-pratiques\/mon-zoom-epargne\/mon-zoom-epargne\" target=\"_blank\" rel=\"noreferrer noopener\">Mon zoom Epargne<\/a>\". Un questionnaire rapide permet de faire le point sur vos produits bancaires, assurance-vie, bourse, \u00e9pargne retraite, \u00e9pargne salariale, immobilier locatif et placements financiers. A la fin, vous obtenez un panorama complet de votre <strong>\u00e9pargne<\/strong>. Vous pouvez ainsi visualiser votre \u00e9pargne par r\u00e9partition (type de produits), niveau de risque, horizon et disponibilit\u00e9.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A faire<\/strong> : Il est toujours prudent d'\u00e9quilibrer, au fil des ans, son patrimoine immobilier et son patrimoine financier.<br>Anticipez les changements comme une naissance, un arr\u00eat de travail pour \u00e9lever les enfants, le d\u00e9part de votre enfant, la fin de remboursement d'un cr\u00e9dit, etc.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \" Un patrimoine \u00e9quilibr\u00e9 et diversifi\u00e9\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.afg.asso.fr\/wp-content\/uploads\/2020\/09\/afg-education-financiere-12-principes-2020-09-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Le guide de l'AFG 12 principes pour \u00e9pargner et investir<\/a><\/li><li><a href=\"https:\/\/www.amf-france.org\/fr\/espace-epargnants\/lexique-simulateurs-et-outils-pratiques\/mon-zoom-epargne\/mon-zoom-epargne\" target=\"_blank\" rel=\"noreferrer noopener\">Mon zoom \u00e9pargne sur AMF (amf-france.org)<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:25px\" 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\" 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                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_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;\u00e9pargne de pr\u00e9voyance<\/p>\n                                    <\/div>\n            <\/div>\n     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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pea-plan-epargne-en-actions\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/PEA-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/PEA-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/PEA-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/PEA-_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\">Mon \u00e9pargne<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le PEA : Plan Epargne en Actions<\/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\" 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La composition du patrimoine Les diff\u00e9rents \u00e9l\u00e9ments constitutifs d'un patrimoine financier peuvent \u00eatre d\u00e9tenus dans des proportions [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5393,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":5,"views":9372,"viewed_at":"1778488927","newsletter":"0","_yoast_wpseo_primary_category":31,"footnotes":""},"categories":[30,31,276],"tags":[],"class_list":["post-66","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-choix","category-les-precautions-a-prendre","category-mon-epargne"],"yoast_head":"<title>Un patrimoine financier \u00e9quilibr\u00e9 et diversifi\u00e9 - Les pr\u00e9cautions \u00e0 prendre - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Diversifiez vos produits d&#039;\u00e9pargne et vos placements, entre long et court terme, garantis et risqu\u00e9s, disponibles ou de long teme, etc.\" \/>\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\/un-patrimoine-equilibre-et-diversifie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Un patrimoine financier \u00e9quilibr\u00e9 et diversifi\u00e9 - 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