{"id":3358,"date":"2023-05-22T12:12:50","date_gmt":"2023-05-22T10:12:50","guid":{"rendered":"https:\/\/fintis.fr\/les-placements-adaptes-pour-securiser-des-taux-eleves\/"},"modified":"2023-06-05T15:30:34","modified_gmt":"2023-06-05T13:30:34","slug":"les-placements-adaptes-pour-securiser-des-taux-eleves","status":"publish","type":"post","link":"https:\/\/fintis.fr\/en\/les-placements-adaptes-pour-securiser-des-taux-eleves\/","title":{"rendered":"LES PLACEMENTS ADAPT\u00c9S POUR S\u00c9CURISER DES TAUX \u00c9LEV\u00c9S"},"content":{"rendered":"

La BCE anticipe une inflation moyenne de 6.3% en 2023 et 3.4% en 2024 avec un taux qui se rapprocherait de 2% fin 2024. Par cons\u00e9quent, la normalisation des taux de la BCE devrait d\u00e9buter \u00e0 ce moment.<\/p>\n

Les r\u00e9cents \u00e9v\u00e8nements\u00a0du march\u00e9 bancaire\u00a0(SVB, Cr\u00e9dit Suisse, First Republic \u2026) ne remettent\u00a0pas en cause la politique mon\u00e9taire actuelle.<\/p>\n

Jeudi 4\u00a0mai, la Banque Centrale europ\u00e9enne (BCE) a annonc\u00e9 pour la septi\u00e8me r\u00e9union cons\u00e9cutive une hausse de ses taux d\u2019int\u00e9r\u00eat de 0,25 point<\/a>, portant le taux de d\u00e9p\u00f4t \u00e0\u00a03,25\u00a0%. Si ce n\u2019est pas encore la fin du durcissement mon\u00e9taire dans la zone euro, il s\u2019agit n\u00e9anmoins d\u2019un ralentissement.<\/p>\n

Ainsi les taux n\u2019auraient pas vocation \u00e0 rester ind\u00e9finiment haut, selon les anticipations des sp\u00e9cialistes (cf. graphique).<\/p>\n

\"\"<\/p>\n

Dans ce contexte, quels placements choisir pour s\u00e9curiser des niveaux de taux hauts en conservant une disponibilit\u00e9 des fonds dans un d\u00e9lai court ?<\/p>\n

L’une des solutions pour s\u00e9curiser des taux \u00e9lev\u00e9s consiste \u00e0 opter pour des comptes \u00e0 terme \u00e0 taux fixe sur des maturit\u00e9s longues.<\/p>\n

Ces produits offrent une simplicit\u00e9 de mise en place, permettant aux investisseurs de bloquer leur capital sur une p\u00e9riode d\u00e9termin\u00e9e. Cependant, cette approche est limit\u00e9e \u00e0 la maturit\u00e9 du d\u00e9p\u00f4t, ce qui signifie que les investisseurs ne pourront pas profiter d’une \u00e9ventuelle hausse des taux d’int\u00e9r\u00eat si celle-ci persiste au-del\u00e0 de la dur\u00e9e fix\u00e9e.<\/p>\n

Une solution plus adapt\u00e9e consiste \u00e0 mettre en place des contrats de capitalisation avec un investissement dans le fonds en euros d’un assureur.<\/p>\n

Le fonctionnement de ce type de contrat est le suivant : l’assureur investit dans des obligations de maturit\u00e9s longues et garantit \u00e0 l’investisseur le capital \u00e0 100 % \u00e0 tout moment et une disponibilit\u00e9 des fonds en moins de 15 jours. Les rendements offerts par ces contrats sont g\u00e9n\u00e9ralement sup\u00e9rieurs \u00e0 4,00 % et devraient conna\u00eetre une hausse dans les prochaines ann\u00e9es, \u00e9tant donn\u00e9 que les assureurs int\u00e8grent \u00e0 leur portefeuille des obligations \u00e0 taux fixe, de maturit\u00e9 longue et \u00e0 haut rendement.<\/p>\n

Investir dans le fonds en euros d’un contrat de capitalisation pr\u00e9sente plusieurs avantages. Tout d’abord, cela permet de s\u00e9curiser des taux de rendement \u00e9lev\u00e9s sur une longue dur\u00e9e, offrant ainsi une certaine stabilit\u00e9 aux investisseurs. De plus, contrairement aux comptes \u00e0 terme, cette solution offre la possibilit\u00e9 de profiter du potentiel de hausse des taux d’int\u00e9r\u00eat. En investissant aupr\u00e8s d’un assureur, les investisseurs diversifient \u00e9galement leur risque par rapport aux placements bancaires traditionnels.<\/p>\n

Enfin, la liquidit\u00e9 offerte par les contrats de capitalisation est g\u00e9n\u00e9ralement plus importante que celle des comptes \u00e0 terme, avec une disponibilit\u00e9 des fonds en moins de 15 jours.<\/p>\n

Pour mettre en place un investissement dans un contrat de capitalisation, il est recommand\u00e9 de se tourner vers un professionnel habilit\u00e9. Ces experts pourront accompagner les investisseurs dans la s\u00e9lection de contrats adapt\u00e9s \u00e0 leurs besoins.<\/p>\n

L\u2019\u00e9quipe Fintis se tient \u00e0 votre disposition pour vous accompagner dans la mise en place de contrats de capitalisation.<\/p>\n<\/div><\/div><\/div>

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LES PLACEMENTS ADAPT\u00c9S POUR S\u00c9CURISER DES TAUX \u00c9LEV\u00c9S<\/a><\/h4><\/div>
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