{"id":2416,"date":"2024-12-09T17:32:00","date_gmt":"2024-12-09T16:32:00","guid":{"rendered":"https:\/\/www.sequana-epargne.com\/sequana-epargne.com\/?page_id=2416"},"modified":"2025-01-27T19:18:28","modified_gmt":"2025-01-27T18:18:28","slug":"la-diversification","status":"publish","type":"page","link":"https:\/\/www.sequana-epargne.com\/?page_id=2416","title":{"rendered":"La diversification"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2416\" class=\"elementor elementor-2416\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d837ec0 e-flex e-con-boxed e-con e-parent\" data-id=\"d837ec0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7890c1 elementor-widget elementor-widget-text-editor\" data-id=\"d7890c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La diversification est la notion fondamentale de la gestion de l&#8217;\u00e9pargne.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc75225 e-flex e-con-boxed e-con e-parent\" data-id=\"dc75225\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0682bce elementor-widget elementor-widget-text-editor\" data-id=\"0682bce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Au-del\u00e0 du principe \u00e9vident de <strong>ne pas mettre tous ses \u0153ufs dans le m\u00eame panier<\/strong> pour en limiter la casse ( et donc mieux g\u00e9rer ses risques), <strong>notre conception de la diversification consiste \u00e0 rechercher une allocation optimale<\/strong> entre les <strong>instruments financiers ou classes d&#8217;actifs<\/strong>\u00a0disponibles ( actions, obligations, instruments mon\u00e9taires, fonds euro des assureurs, devises, mati\u00e8res premi\u00e8res \u00e9ventuellement), les <strong>zones g\u00e9ographiques, qui peuvent se trouver dans des phases diff\u00e9rentes du cycle \u00e9conomique<\/strong>, les secteurs\u00a0 et les industries, les th\u00e9matiques d&#8217;investissement ( par exemple, la robotique, le vieillissement de la population, la d\u00e9-globalisation etc&#8230;), la <strong>qualit\u00e9 des signatures<\/strong> pour les investissements obligataires, qu&#8217;on retrouve majoritairement dans le fonds euro des assureurs, entre les investissements cot\u00e9s sur les march\u00e9s r\u00e9glement\u00e9s et, plus marginalement, les investissements &#8220;priv\u00e9s&#8221;, qui ne sont pas cot\u00e9s en bourse. La s\u00e9lection, pour une m\u00eame classe d&#8217;actifs, de<strong> plusieurs fonds g\u00e9r\u00e9s par des soci\u00e9t\u00e9s de gestion diff\u00e9rentes<\/strong> qui mettent en \u0153uvre des <strong>m\u00e9thodes d&#8217;investissement compl\u00e9mentaires<\/strong>, contribue aussi \u00e0 une meilleure diversification et \u00e0 r\u00e9duire les risques. Les m\u00e9thodes consistant \u00e0 investir dans certaines classes d&#8217;actifs au fil de l&#8217;eau via des versement programm\u00e9s, permettent aussi de mettre en place\u00a0 une diversification temporelle qui lisse les points d&#8217;entr\u00e9e.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06975b6 e-flex e-con-boxed e-con e-parent\" data-id=\"06975b6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff462fb elementor-widget elementor-widget-text-editor\" data-id=\"ff462fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>L&#8217;exemple ci-dessous<\/strong> pr\u00e9sente le type de <strong>diversification<\/strong> que nous pouvons vous proposer dans le cadre de contrats d&#8217;<strong>assurance-vie<\/strong> ou de <strong>Plans d&#8217;Epargne Retraite.\u00a0<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b2a0fa e-flex e-con-boxed e-con e-parent\" data-id=\"5b2a0fa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd0dbb3 elementor-widget elementor-widget-image\" data-id=\"dd0dbb3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"596\" src=\"https:\/\/www.sequana-epargne.com\/wp-content\/uploads\/2024\/12\/diversification-1-1024x596.png\" class=\"attachment-large size-large wp-image-2425\" alt=\"\" srcset=\"https:\/\/www.sequana-epargne.com\/wp-content\/uploads\/2024\/12\/diversification-1-1024x596.png 1024w, https:\/\/www.sequana-epargne.com\/wp-content\/uploads\/2024\/12\/diversification-1-300x174.png 300w, https:\/\/www.sequana-epargne.com\/wp-content\/uploads\/2024\/12\/diversification-1-768x447.png 768w, https:\/\/www.sequana-epargne.com\/wp-content\/uploads\/2024\/12\/diversification-1-1536x893.png 1536w, https:\/\/www.sequana-epargne.com\/wp-content\/uploads\/2024\/12\/diversification-1-1200x700.png 1200w, https:\/\/www.sequana-epargne.com\/wp-content\/uploads\/2024\/12\/diversification-1.png 1783w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La diversification est la notion fondamentale de la gestion de l&#8217;\u00e9pargne. Au-del\u00e0 du principe \u00e9vident de ne pas mettre tous ses \u0153ufs dans le m\u00eame panier pour en limiter la casse ( et donc mieux g\u00e9rer ses risques), notre conception de la diversification consiste \u00e0 rechercher une allocation optimale entre les instruments financiers ou classes [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-2416","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages\/2416","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2416"}],"version-history":[{"count":25,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages\/2416\/revisions"}],"predecessor-version":[{"id":2724,"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=\/wp\/v2\/pages\/2416\/revisions\/2724"}],"wp:attachment":[{"href":"https:\/\/www.sequana-epargne.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}