{"id":18390,"date":"2024-04-03T14:00:00","date_gmt":"2024-04-03T12:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2024\/04\/03\/fonds-en-euros-un-rendement-moyen-de-26-en-2023\/"},"modified":"2024-05-31T12:02:08","modified_gmt":"2024-05-31T10:02:08","slug":"fonds-en-euros-un-rendement-moyen-de-26-en-2023","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2024\/04\/03\/fonds-en-euros-un-rendement-moyen-de-26-en-2023\/","title":{"rendered":"Fonds en euros\u00a0: un rendement moyen de 2,6\u00a0% en\u00a02023"},"content":{"rendered":"<p>Selon la derni\u00e8re \u00e9tude de l\u2019Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution\u00a0(ACPR), le mill\u00e9sime\u00a02023 des fonds en euros a offert aux \u00e9pargnants des rendements plut\u00f4t attractifs. En effet, en moyenne, ces supports d\u2019investissement ont affich\u00e9 un rendement de 2,6\u00a0% (soit 0,7\u00a0point de plus qu\u2019en\u00a02022). Un rendement meilleur, certes, mais qui reste en de\u00e7\u00e0 des taux g\u00e9n\u00e9r\u00e9s par l\u2019\u00e9pargne r\u00e9glement\u00e9e. Ainsi, par exemple, le Livret\u00a0A offre un taux de 3\u00a0% depuis le 1<sup>er<\/sup>\u00a0f\u00e9vrier\u00a02023.<\/p>\n<p>Toutefois, l\u2019ACPR souligne que, \u00ab\u00a0en raisonnant sur le long terme, en lien avec la dur\u00e9e de d\u00e9tention moyenne de l\u2019assurance-vie, les performances des fonds euros restent sup\u00e9rieures \u00e0 celles des placements sur livret (1,76\u00a0% en moyenne g\u00e9om\u00e9trique sur 8\u00a0ans, contre 1,04\u00a0% pour le Livret\u00a0A).\u00a0\u00bb. Autre \u00e9l\u00e9ment, selon les pr\u00e9visions de la Banque de France, le recul de l\u2019inflation, qui a d\u00e9marr\u00e9 en\u00a02023, devrait ramener la r\u00e9mun\u00e9ration du Livret\u00a0A \u00e0 2\u00a0% d\u2019ici\u00a02025. Un recul qui devrait, par ailleurs, soutenir le rendement r\u00e9el de l\u2019assurance-vie.<\/p>\n<p>Les Echos Publishing 2024<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u2019apr\u00e8s les premi\u00e8res estimations de l\u2019Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution, les fonds en euros ont rapport\u00e9 aux \u00e9pargnants en moyenne 2,60\u00a0% en\u00a02023.<\/p>\n","protected":false},"author":5,"featured_media":18391,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-18390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-patrimoine","typo-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/18390"}],"collection":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/comments?post=18390"}],"version-history":[{"count":0,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/18390\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/18391"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=18390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=18390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=18390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}