{"id":11747,"date":"2025-10-16T15:43:48","date_gmt":"2025-10-16T13:43:48","guid":{"rendered":"https:\/\/www.veracash.com\/?p=11747"},"modified":"2025-10-17T15:06:09","modified_gmt":"2025-10-17T13:06:09","slug":"chatgpt-ia-gestion-budget-placements","status":"publish","type":"post","link":"https:\/\/www.veracash.com\/fr\/blog\/chatgpt-ia-gestion-budget-placements","title":{"rendered":"ChatGPT peut-il m\u2019aider \u00e0 g\u00e9rer mon budget et mes placements ?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb150701&Prime;]<span class=\"TextRun SCXW119033358 BCX0\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW119033358 BCX0\">Est-ce que l\u2019IA peut remplacer un gestionnaire en patrimoine\u202f? Peut-elle aider les particuliers \u00e0 g\u00e9rer leurs \u00e9conomies\u202f? Pour tenter de r\u00e9pondre \u00e0 ses questions, nous avons demand\u00e9 aux principaux outils d\u2019Intelligence Artificielle du march\u00e9 de nous proposer des m\u00e9thodes pour g\u00e9rer un budget et placer son argent. Avec comme question compl\u00e9mentaire\u202f: quelle place donner \u00e0 l\u2019or et l\u2019argent dans ces plans d\u2019allocations <\/span><span class=\"NormalTextRun SCXW119033358 BCX0\">?<\/span><\/span><span class=\"EOP SCXW119033358 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb1&Prime; top_padding=\u00a0\u00bb1&Prime; bottom_padding=\u00a0\u00bb1&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; content_parallax=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb620564&Prime;][vc_column column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-128411&Prime; overlay_alpha=\u00a0\u00bb50&Prime; radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb113242&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb979973&Prime;]<\/p>\n<h2>L&rsquo;essentiel<\/h2>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Aptos\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Aptos&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">L\u2019IA, ChatGPT et les autres, est de plus en plus utilis\u00e9e pour la gestion des finances personnelles.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Aptos\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Aptos&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">L\u2019IA n\u2019est pas un conseiller financier agr\u00e9\u00e9. Ces r\u00e9sultats peuvent comporter de graves erreurs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Aptos\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Aptos&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">ChatGPT, Claude, Gemini ou Le Chat, toutes les r\u00e9ponses des principaux outils sur la gestion de finances personnelles.<\/span><span data-ccp-props=\"{}\"><br \/>\n<\/span><\/li>\n<li data-leveltext=\"-\" data-font=\"Aptos\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Aptos&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Utiliser l\u2019IA pour sa capacit\u00e9 de calcul et de synth\u00e8se plut\u00f4t que pour des conseils.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none\"><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; content_parallax=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb291528&Prime; row_name=\u00a0\u00bbexplication\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb144553&Prime;]<\/p>\n<h2><b><span data-contrast=\"none\">Comment utiliser ChatGPT pour investir ?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><b><span data-contrast=\"auto\">ChatGPT n\u2019est pas un conseiller financier et en gestion de patrimoine<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Commen\u00e7ons imm\u00e9diatement par cette alerte. Non, les outils d\u2019intelligence artificielle ne remplaceront jamais un conseiller en gestion de patrimoine (CGP) ou un conseiller financier.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Un coach en gestion budg\u00e9taire\u202f?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Nous avons demand\u00e9 directement \u00e0 ChatGPT s\u2019il pouvait \u00eatre un conseiller financier, et sa r\u00e9ponse est sans appel\u202f:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00ab\u202fL\u2019intelligence artificielle s\u2019invite d\u00e9sormais dans la sph\u00e8re de nos finances personnelles. Sans \u00eatre conseiller financier, ChatGPT se r\u00e9v\u00e8le un <\/span><b><span data-contrast=\"auto\">formidable outil d\u2019aide \u00e0 la gestion du budget et de l\u2019\u00e9pargne<\/span><\/b><span data-contrast=\"auto\">. Encore faut-il savoir comment l\u2019utiliser : pour \u00e9tablir un budget \u00e9quilibr\u00e9, comprendre les r\u00e8gles de base de l\u2019investissement, et b\u00e2tir une strat\u00e9gie patrimoniale dans laquelle <\/span><b><span data-contrast=\"auto\">l\u2019or et l\u2019argent<\/span><\/b><span data-contrast=\"auto\"> gardent toute leur place.\u202f\u00bb<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Claude\u202f: \u00ab Je ne peux pas fournir de conseils financiers personnalis\u00e9s\u202f\u00bb<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">L\u2019outil d\u2019IA \u00ab\u202f\u00e9thique\u202f\u00bb Claude est encore plus formel. Il affiche imm\u00e9diatement dans sa r\u00e9ponse un avertissement.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00ab<\/span><b><span data-contrast=\"auto\"> Avertissement essentiel :<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Je ne suis <\/span><b><span data-contrast=\"auto\">pas un conseiller financier agr\u00e9\u00e9<\/span><\/b><span data-contrast=\"auto\"> et je ne peux pas fournir de conseils financiers personnalis\u00e9s. Les informations que je partage sont purement <\/span><b><span data-contrast=\"auto\">\u00e9ducatives et g\u00e9n\u00e9rales<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Avant toute d\u00e9cision financi\u00e8re, vous devriez :<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Consulter un <\/span><b><span data-contrast=\"auto\">conseiller financier certifi\u00e9<\/span><\/b><span data-contrast=\"auto\"> (CGP, conseiller en gestion de patrimoine) ;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Prendre en compte votre situation personnelle : \u00e2ge, revenus, objectifs, tol\u00e9rance au risque, situation familiale ;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Vous renseigner sur la fiscalit\u00e9 applicable en France (TMI, IFI, plus-values, etc.) ;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Comprendre les risques de chaque placement.\u202f\u00bb<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span data-contrast=\"none\">Le Chat\u202f: \u00ab Oups\u202f! Je ne suis pas un conseiller\u202f\u00bb<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">L\u2019outil d\u2019IA du fran\u00e7ais Mistral avait un peu oubli\u00e9 la pr\u00e9vention, alors nous lui avons fait part de notre \u00e9tonnement. Il s\u2019est repris et a affirm\u00e9\u202f:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00ab<\/span><b><span data-contrast=\"auto\"> Je ne suis pas un conseiller financier agr\u00e9\u00e9<\/span><\/b><span data-contrast=\"auto\"> (comme un conseiller en investissement financier, un gestionnaire de patrimoine ou un courtier). Mes r\u00e9ponses s\u2019appuient sur des informations g\u00e9n\u00e9rales, des bonnes pratiques et des donn\u00e9es publiques, mais elles ne constituent pas un conseil financier personnalis\u00e9 ou une recommandation d\u2019investissement.\u202f\u00bb<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">IA\u202f: des m\u00e9thodes de gestion de budget plut\u00f4t classiques et connues<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><i><span data-contrast=\"auto\">Nota\u202f: nous n\u2019avons pas modifi\u00e9 les r\u00e9ponses.<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les r\u00e9ponses des diff\u00e9rents outils sont assez classiques, presque d\u00e9cevantes. En effet, ChatGPT, Claude, Gemini (google) et Le Chat donnent les m\u00eames strat\u00e9gies pour g\u00e9rer son budget.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Voici la r\u00e9ponse de chaque IA test\u00e9e \u00e0 la question\u202f: \u00ab\u202fPeux-tu me donner des m\u00e9thodes de gestion de budget et de placement ?\u202f\u00bb<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">ChatGPT\u202f: prudence et r\u00e9gularit\u00e9<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><i><span data-contrast=\"none\">La r\u00e8gle des 80\/20 : un \u00e9quilibre entre stabilit\u00e9 et dynamisme<\/span><\/i><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:80,&quot;335559739&quot;:40}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">La r\u00e8gle dite du <\/span><b><span data-contrast=\"auto\">80\/20<\/span><\/b><span data-contrast=\"auto\"> est une approche simple :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">80 % du capital sur des supports stables (liquidit\u00e9s, obligations, m\u00e9taux pr\u00e9cieux, immobilier papier),<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">20 % sur des actifs plus dynamiques (actions, ETF, cryptomonnaies).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">ChatGPT peut d\u00e9tailler les effets de cette r\u00e9partition dans le temps et adapter les proportions selon le profil de risque.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><i><span data-contrast=\"none\">Le DCA, ou la force de la r\u00e9gularit\u00e9<\/span><\/i><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:80,&quot;335559739&quot;:40}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Le <\/span><a href=\"https:\/\/www.veracash.com\/fr\/blog\/investissement-programme-dollar-cost-averaging-dca\"><b><span data-contrast=\"none\">Dollar Cost Averaging (DCA)<\/span><\/b><\/a><span data-contrast=\"auto\"> consiste \u00e0 investir <\/span><b><span data-contrast=\"auto\">une somme fixe \u00e0 intervalles r\u00e9guliers<\/span><\/b><span data-contrast=\"auto\">, quel que soit le niveau des march\u00e9s. L\u2019avantage ? Lissage du risque, discipline d\u2019\u00e9pargne, et d\u00e9tachement \u00e9motionnel face aux fluctuations.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">L\u2019IA peut simuler un DCA mensuel sur un indice ou un actif tangible, pour montrer l\u2019effet cumulatif dans le temps. Une p\u00e9dagogie pr\u00e9cieuse pour les \u00e9pargnants qui veulent <\/span><b><span data-contrast=\"auto\">investir avec m\u00e9thode plut\u00f4t qu\u2019avec intuition<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Claude\u202f: Une r\u00e9partition en 4 classes d\u2019actifs<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><i><span data-contrast=\"none\">Gestion de Budget<\/span><\/i><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:80,&quot;335559739&quot;:40}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.veracash.com\/fr\/blog\/gerer-son-budget-methode-50-20-30\"><b><span data-contrast=\"none\">M\u00e9thode 50\/30\/20<\/span><\/b><\/a><span data-contrast=\"auto\"> (la plus populaire)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">50% pour les besoins essentiels (logement, alimentation, transport)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">30% pour les envies et loisirs<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">20% pour l&rsquo;\u00e9pargne et les investissements<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">M\u00e9thode des enveloppes<\/span><\/b><span data-contrast=\"auto\"> : Allouer des montants fixes \u00e0 chaque cat\u00e9gorie de d\u00e9penses pour mieux contr\u00f4ler.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><i><span data-contrast=\"none\">Strat\u00e9gie de Placement<\/span><\/i><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:80,&quot;335559739&quot;:40}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Je vous recommande une approche <\/span><b><span data-contrast=\"auto\">diversifi\u00e9e et \u00e9quilibr\u00e9e<\/span><\/b><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"auto\"> Fonds d&rsquo;urgence<\/span><\/b><span data-contrast=\"auto\"> (3-6 mois de d\u00e9penses)<\/span><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Livrets r\u00e9glement\u00e9s (Livret A, LDDS)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Liquidit\u00e9 imm\u00e9diate<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b><span data-contrast=\"auto\"> Placements \u00e0 moyen terme<\/span><\/b><span data-contrast=\"auto\"> (40-50%)<\/span><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Assurance-vie en fonds euros (s\u00e9curit\u00e9)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">PEA avec ETF diversifi\u00e9s<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">SCPI pour l&rsquo;immobilier indirect<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b><span data-contrast=\"auto\"> M\u00e9taux pr\u00e9cieux<\/span><\/b><span data-contrast=\"auto\"> (5-10% du portefeuille)<\/span><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Or physique<\/span><\/b><span data-contrast=\"auto\"> : Valeur refuge, protection contre l&rsquo;inflation\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><span data-contrast=\"auto\">Pi\u00e8ces (Napol\u00e9on, Krugerrand) ou lingots<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"2\"><span data-contrast=\"auto\">Attention aux frais d&rsquo;achat\/stockage<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Argent physique<\/span><\/b><span data-contrast=\"auto\"> : Plus volatil mais potentiel int\u00e9ressant\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><span data-contrast=\"auto\">Ratio or\/argent \u00e0 surveiller<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ol start=\"4\">\n<li><b><span data-contrast=\"auto\"> Actions\/ETF<\/span><\/b><span data-contrast=\"auto\"> (30-40%)<\/span><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Diversification g\u00e9ographique et sectorielle<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Investissement progressif (DCA)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span data-contrast=\"none\">Gemini\u202f: des grands principes mais pas beaucoup plus<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<ol>\n<li><b><span data-contrast=\"auto\"> La Gestion du Budget Personnel : La Fondation de Toute Strat\u00e9gie Financi\u00e8re<\/span><\/b><\/li>\n<\/ol>\n<p><span data-contrast=\"auto\">Cette premi\u00e8re partie vise \u00e0 \u00e9tablir la base d&rsquo;une saine gestion financi\u00e8re, condition <\/span><i><span data-contrast=\"auto\">sine qua non<\/span><\/i><span data-contrast=\"auto\"> pour pouvoir investir.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"auto\"> Les Principes Fondamentaux<\/span><\/b><\/li>\n<\/ol>\n<ol>\n<li data-leveltext=\"%1.\" data-font=\"\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Connaissance de la Situation Actuelle (Le Bilan)<\/span><\/b><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">Lister revenus et d\u00e9penses<\/span><\/b><span data-contrast=\"auto\"> (m\u00e9thode du budget personnel) : distinguer les charges fixes (loyer, cr\u00e9dits, assurances) et les charges variables (alimentation, loisirs, transport).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">Identifier sa Capacit\u00e9 d&rsquo;\u00c9pargne<\/span><\/b><span data-contrast=\"auto\"> : Revenus &#8211; Charges = Capacit\u00e9 d&rsquo;\u00e9pargne.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">Traquer les \u00ab\u00a0fuites\u00a0\u00bb financi\u00e8res<\/span><\/b><span data-contrast=\"auto\"> (abonnements inutiles, d\u00e9penses impulsives).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ol>\n<li data-leveltext=\"%1.\" data-font=\"\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">La Fixation d&rsquo;Objectifs SMART<\/span><\/b><span data-contrast=\"auto\"> : D\u00e9finir des objectifs financiers clairs (\u00e0 court, moyen et long terme) :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">Court terme<\/span><\/b><span data-contrast=\"auto\"> : Constitution d&rsquo;un <\/span><b><span data-contrast=\"auto\">Fonds d&rsquo;Urgence<\/span><\/b><span data-contrast=\"auto\"> (3 \u00e0 6 mois de d\u00e9penses courantes, \u00e0 placer sur des livrets bancaires ou comptes d&rsquo;\u00e9pargne liquides et s\u00e9curis\u00e9s).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">Moyen\/Long terme<\/span><\/b><span data-contrast=\"auto\"> : Achat immobilier, financement des \u00e9tudes, pr\u00e9paration de la retraite, etc.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ol>\n<li data-leveltext=\"%1.\" data-font=\"\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Les R\u00e8gles de Gestion Budg\u00e9taire<\/span><\/b><span data-contrast=\"auto\"> :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">R\u00e8gle 50\/30\/20<\/span><\/b><span data-contrast=\"auto\"> : 50% pour les besoins (Charges Fixes), 30% pour les envies (Charges Variables\/Loisirs), 20% pour l&rsquo;\u00e9pargne et l&rsquo;investissement.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"2\"><b><span data-contrast=\"auto\">L&rsquo;\u00c9pargne Automatique<\/span><\/b><span data-contrast=\"auto\"> : Se payer en premier (mettre de c\u00f4t\u00e9 l&rsquo;\u00e9pargne d\u00e8s r\u00e9ception des revenus).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ol>\n<li><b><span data-contrast=\"auto\"> L&rsquo;Allocation d&rsquo;Actifs : Passer de l&rsquo;\u00c9pargne \u00e0 l&rsquo;Investissement<\/span><\/b><\/li>\n<\/ol>\n<p><span data-contrast=\"auto\">Une fois le fonds d&rsquo;urgence constitu\u00e9, l&rsquo;\u00e9pargne restante peut \u00eatre allou\u00e9e \u00e0 diff\u00e9rents placements en fonction du profil de risque et des objectifs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"auto\"> Le Concept de l&rsquo;Allocation d&rsquo;Actifs<\/span><\/b><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">D\u00e9finition<\/span><\/b><span data-contrast=\"auto\"> : R\u00e9partition des investissements entre diff\u00e9rentes classes d&rsquo;actifs (actions, obligations, immobilier, mati\u00e8res premi\u00e8res, m\u00e9taux pr\u00e9cieux, etc.) pour optimiser le couple rendement\/risque.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Diversification<\/span><\/b><span data-contrast=\"auto\"> : Ne pas mettre tous ses \u0153ufs dans le m\u00eame panier. L&rsquo;id\u00e9e est de d\u00e9tenir des actifs qui ne sont pas fortement corr\u00e9l\u00e9s entre eux (lorsque l&rsquo;un baisse, l&rsquo;autre peut monter).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ol>\n<li><b><span data-contrast=\"auto\"> Les Classes d&rsquo;Actifs Traditionnelles<\/span><\/b><\/li>\n<\/ol>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Actions<\/span><\/b><span data-contrast=\"auto\"> : Potentiel de rendement \u00e9lev\u00e9, mais forte volatilit\u00e9 et risque de perte en capital.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Obligations<\/span><\/b><span data-contrast=\"auto\"> : G\u00e9n\u00e9ralement plus stables, r\u00f4le de protection et de revenu r\u00e9gulier, mais rendement plus faible.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Immobilier<\/span><\/b><span data-contrast=\"auto\"> : Valeur stable, g\u00e9n\u00e8re des revenus locatifs potentiels.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span data-contrast=\"none\">Mistral pas gagnant<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Au-del\u00e0 de nous faire plaisir avec ce titre, l\u2019outil Le Chat de la soci\u00e9t\u00e9 fran\u00e7aise Mistral.ai n\u2019apportait rien de plus ou de mieux. Il propose plut\u00f4t des m\u00e9thodes pour de la gestion de budget d\u2019\u00e9tudiant ou de tr\u00e8s jeune actif.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb724262&Prime;]<\/p>\n<h2><span data-contrast=\"none\">Aller plus loin avec les IA<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">En fait, demander \u00e0 une IA de trouver des m\u00e9thodes de gestion budg\u00e9taire et des plans d\u2019investissement n\u2019apporte pas grand-chose. Un moteur de recherche, ou <\/span><a href=\"https:\/\/www.veracash.com\/fr\/blog\/le-cash-stuffing-des-enveloppes-pour-gerer-son-budget\"><span data-contrast=\"none\">la consultation de ce blog<\/span><\/a><span data-contrast=\"auto\"> (dont les articles sont parfois des sources utilis\u00e9es par l\u2019IA), apportent les m\u00eames r\u00e9ponses voire plus.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En revanche, dans leurs versions payantes, les outils d\u2019intelligence artificielle vont pouvoir r\u00e9aliser des calculs complexes ou dynamiques. Par exemple : actualis\u00e9s en permanence avec l\u2019\u00e9volution du cours de l\u2019or.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Nous avons donc utilis\u00e9 ChatGPT (version payante) pour r\u00e9aliser un calcul de gain sur un plan de placement <\/span><a href=\"https:\/\/www.veracash.com\/fr\/blog\/pourquoi-diversifier-une-partie-de-son-epargne-en-or\"><span data-contrast=\"none\">en DCA sur de l\u2019or\u202f<\/span><\/a><span data-contrast=\"auto\">: 100 euros d\u2019or acquis chaque premier jour ouvr\u00e9 du mois depuis octobre 2024, sur 12 mois glissants donc avec la production d&rsquo;un graphique.<\/span><\/p>\n<p><b><span data-contrast=\"auto\">R\u00e9sum\u00e9 (au 15\/10\/2025)<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Montant investi : <\/span><b><span data-contrast=\"auto\">1 200,00 \u20ac<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Or accumul\u00e9 : <\/span><b><span data-contrast=\"auto\">\u2248 0,42904 oz<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Valeur du portefeuille : <\/span><b><span data-contrast=\"auto\">\u2248 1 550,43 \u20ac<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Gain cumul\u00e9 : <\/span><b><span data-contrast=\"auto\">\u2248 350,43 \u20ac<\/span><\/b><span data-contrast=\"auto\"> (<\/span><b><span data-contrast=\"auto\">\u2248 +29,20 %<\/span><\/b><span data-contrast=\"auto\">)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image media=\u00a0\u00bb11752&Prime; media_width_percent=\u00a0\u00bb100&Prime; uncode_shortcode_id=\u00a0\u00bb736824&Prime; title=\u00a0\u00bbDCA de 100 \u20ac par mois en or du 11\/24 au 10\/25&Prime;][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb187710&Prime;]<span data-contrast=\"auto\">Voici la courbe de progression de ton <\/span><b><span data-contrast=\"auto\">investissement DCA dans l\u2019or<\/span><\/b><span data-contrast=\"auto\"> (100 \u20ac\/mois de novembre 2024 \u00e0 octobre 2025), comparant l\u2019investissement cumul\u00e9 et la valeur du portefeuille au 15 octobre 2025.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">On y voit clairement la <\/span><b><span data-contrast=\"auto\">plus-value (\u00e9ventuelle) est de : +350 \u20ac environ, soit +29 %<\/span><\/b><span data-contrast=\"auto\">, reflet de la hausse du cours de l\u2019or sur la p\u00e9riode.\u00a0<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb186963&Prime;]<\/p>\n<h2>Liens vers les outils d&rsquo;IA utilis\u00e9s<\/h2>\n<ul>\n<li><a href=\"https:\/\/chatgpt.com\/\">ChatGPT<\/a> (version payante)<\/li>\n<li><a href=\"https:\/\/claude.ai\/\">Claude<\/a>, l&rsquo;outil d&rsquo;Anthropic<\/li>\n<li><a href=\"https:\/\/gemini.google.com\/app?hl=fr\">Gemini,<\/a> l&rsquo;IA de Google<\/li>\n<li><a href=\"https:\/\/chat.mistral.ai\/chat\">Le Chat,<\/a> l&rsquo;IA fran\u00e7aise Mistral<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb150701&Prime;]Est-ce que l\u2019IA peut remplacer un gestionnaire en patrimoine\u202f? Peut-elle aider les particuliers \u00e0 g\u00e9rer leurs \u00e9conomies\u202f? Pour [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":11760,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[31,33],"tags":[287,288,286],"class_list":["post-11747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-epargne","tag-budget","tag-finances","tag-ia"],"jetpack_featured_media_url":"https:\/\/www.veracash.com\/wp-content\/uploads\/2025\/10\/Visuel-RS-article-VRC.png","jetpack_shortlink":"https:\/\/wp.me\/pfl0yj-33t","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/posts\/11747","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/comments?post=11747"}],"version-history":[{"count":9,"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/posts\/11747\/revisions"}],"predecessor-version":[{"id":11759,"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/posts\/11747\/revisions\/11759"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/media\/11760"}],"wp:attachment":[{"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/media?parent=11747"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/categories?post=11747"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.veracash.com\/fr\/wp-json\/wp\/v2\/tags?post=11747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}