{"id":1540,"date":"2024-02-09T10:44:00","date_gmt":"2024-02-09T09:44:00","guid":{"rendered":"https:\/\/www.activpatrimonia.fr\/gespat\/?page_id=1540"},"modified":"2024-02-09T11:02:50","modified_gmt":"2024-02-09T10:02:50","slug":"fonds-euro","status":"publish","type":"page","link":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/fonds-euro\/","title":{"rendered":"Fonds euro"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/fonds-euro\/#Caracteristiques\" >Caract\u00e9ristiques<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/fonds-euro\/#Synthese_risque_rendement\" >Synth\u00e8se risque \/ rendement<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Caracteristiques\"><\/span>Caract\u00e9ristiques<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Les fonds euros sont des supports financiers \u00e0 capital garanti, g\u00e9r\u00e9s par les assureurs. Ils sont accessibles par le biais des contrats d\u2019assurance vie ou de capitalisation.<\/p>\n\n\n\n<p>Les fonds en euros sont compos\u00e9s d\u2019investissements (\u00ab actifs sous-jacents \u00bb) peu risqu\u00e9s : en grande majorit\u00e9, des obligations (d\u2019\u00c9tats et\/ou d\u2019entreprises) et, de fa\u00e7on plus marginale, des actions et de l\u2019immobilier.<\/p>\n\n\n\n<p>Le capital (net de frais sur versement) investi dans un support en euros est garanti \u00e0 tout moment, l\u2019assureur \u00e9tant tenu de rembourser le capital vers\u00e9 \u00e0 la demande du souscripteur (hors frais sur versement). Attention, dans certains contrats, le capital est garanti hors frais de gestion.<\/p>\n\n\n\n<p>Le rendement du fonds euro, obtenu chaque ann\u00e9e, se compose d&rsquo;un taux d&rsquo;int\u00e9r\u00eat technique (qui d\u00e9pend des engagements contractuels de l&rsquo;assureur) et de la participation aux b\u00e9n\u00e9fices. Si le contrat comporte un taux minimum garanti (TMG), le rendement obtenu ne pourra descendre en-dessous du niveau de ce TMG. Dans tous les cas, la performance financi\u00e8re est d\u00e9finitivement acquise au titulaire du contrat, ind\u00e9pendamment des fluctuations des march\u00e9s financiers, gr\u00e2ce au m\u00e9canisme de \u00ab\u00a0l&rsquo;effet de cliquet\u00a0\u00bb.<\/p>\n\n\n\n<p>Par rapport \u00e0 d&rsquo;autres formules de placement, les fonds euro offrent une grande s\u00e9curit\u00e9 d&rsquo;investissement et une disponibilit\u00e9 totale, mais en revanche, leur esp\u00e9rance de gain financier reste tr\u00e8s faible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Synthese_risque_rendement\"><\/span>Synth\u00e8se risque \/ rendement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Liquidit\u00e9<\/th><th class=\"has-text-align-center\" data-align=\"center\">Risque<\/th><th class=\"has-text-align-center\" data-align=\"center\">Esp\u00e9rance de profit<\/th><th class=\"has-text-align-center\" data-align=\"center\">Horizon de placement<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Forte<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Faible<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Faible<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Court terme<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>Autres d\u00e9finitions :<\/p>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/fonds-euro\/\">Fonds euro<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/produits-monetaires\/\">Produits mon\u00e9taires<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/produits-obligataires\/\">Produits obligataires<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/produits-actions\/\">Produits actions<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/scpi\/\">SCPI<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/opci\/\">OPCI<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/capital-investissement\/\">Capital investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/produits-structures\/\">Produits structur\u00e9s<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/sofica\/\">SOFICA<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/produits-obligataires-complexes\/\">Produits obligataires complexes<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/produits-actions-non-cotes\/\">Produits actions non cot\u00e9s<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/tracker\/\">Tracker<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/cfd\/\">CFD<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/futures\/\">Futures<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/options\/\">Options<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/warrant\/\">Warrant<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/definition-des-principaux-placements\/turbo\/\">Turbo<\/a><\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Caract\u00e9ristiques Les fonds euros sont des supports financiers \u00e0 capital garanti, g\u00e9r\u00e9s par les assureurs. Ils sont accessibles par le biais des contrats d\u2019assurance vie ou de capitalisation. Les fonds en euros sont compos\u00e9s d\u2019investissements (\u00ab actifs sous-jacents \u00bb) peu risqu\u00e9s : en grande majorit\u00e9, des obligations (d\u2019\u00c9tats et\/ou d\u2019entreprises) [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1549,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1540","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/pages\/1540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/comments?post=1540"}],"version-history":[{"count":6,"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/pages\/1540\/revisions"}],"predecessor-version":[{"id":1556,"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/pages\/1540\/revisions\/1556"}],"up":[{"embeddable":true,"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/pages\/1549"}],"wp:attachment":[{"href":"https:\/\/www.activpatrimonia.fr\/gespat\/index.php\/wp-json\/wp\/v2\/media?parent=1540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}