{"id":6920,"date":"2018-12-27T10:00:00","date_gmt":"2018-12-27T09:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2018\/12\/27\/les-francais-face-a-lepargne\/"},"modified":"2019-02-05T12:00:12","modified_gmt":"2019-02-05T11:00:12","slug":"les-francais-face-a-lepargne","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2018\/12\/27\/les-francais-face-a-lepargne\/","title":{"rendered":"Les Fran\u00e7ais face \u00e0 l\u2019\u00e9pargne"},"content":{"rendered":"<p>L\u2019Autorit\u00e9 des march\u00e9s financiers vient de publier l\u2019\u00e9dition 2018 de son barom\u00e8tre de l\u2019\u00e9pargne et de l\u2019investissement. Ce barom\u00e8tre nous apprend notamment que les Fran\u00e7ais poss\u00e8dent en moyenne un patrimoine financier de 44\u00a0095\u00a0\u20ac. Ils sont, sur un \u00e9chantillon repr\u00e9sentatif de 1\u00a0244 personnes, 24\u00a0% \u00e0 disposer de moins de 10\u00a0000\u00a0\u20ac d\u2019\u00e9pargne, 33\u00a0% \u00e0 b\u00e9n\u00e9ficier d\u2019une \u00e9pargne comprise entre 10\u00a0000\u00a0\u20ac et moins de 30\u00a0000\u00a0\u20ac, 15\u00a0% entre 30\u00a0000\u00a0\u20ac et moins 50\u00a0000\u00a0\u20ac, 11\u00a0% entre 50\u00a0000\u00a0\u20ac et moins de 100\u00a0000\u00a0\u20ac et 10\u00a0% de 100\u00a0000\u00a0\u20ac et plus.<\/p>\n<p>Selon les personnes sond\u00e9es, leur premi\u00e8re motivation pour \u00e9pargner est de pouvoir financer d\u2019\u00e9ventuelles d\u00e9penses impr\u00e9vues. Autres motivations\u00a0: mettre de l\u2019argent de c\u00f4t\u00e9 pour faire face au risque de perte d\u2019autonomie et aux \u00e9ventuelles d\u00e9penses de sant\u00e9 qui peut en r\u00e9sulter.<\/p>\n<p>Interrog\u00e9es sur leur fr\u00e9quence d\u2019\u00e9pargne, 20\u00a0% des Fran\u00e7ais disent ne jamais ou quasiment jamais mettre de l\u2019argent de c\u00f4t\u00e9. Ils sont 46\u00a0% \u00e0 \u00e9pargner occasionnellement d\u00e8s qu\u2019ils le peuvent et 34\u00a0% \u00e0 \u00e9pargner r\u00e9guli\u00e8rement. 49\u00a0% de ces derniers \u00e9pargnent via des versements programm\u00e9s. Plus globalement, lorsqu\u2019ils \u00e9pargnent, 35\u00a0% disent verser moins de 100\u00a0\u20ac par mois, 28\u00a0% de 100\u00a0\u20ac \u00e0 199\u00a0\u20ac et 33\u00a0% 200\u00a0\u20ac et plus.<\/p>\n<p><cite class=\"reference\"><a href=\"https:\/\/www.amf-france.org\/Publications\/Rapports-etudes-et-analyses\/Epargne-et-prestataires?docId=workspace%3A%2F%2FSpacesStore%2F602559d0-ede9-44eb-888d-7fd564435a83\" class=\"target-blank\"><br \/>\n               Autorit\u00e9 des march\u00e9s financiers &#8211; 2e barom\u00e8tre de l\u2019\u00e9pargne et de l\u2019investissement, octobre 2018<br \/>\n            <\/a><\/cite><\/p>\n<p>Les Echos Publishing 2018<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon le dernier barom\u00e8tre de l\u2019Autorit\u00e9 des march\u00e9s financiers, les Fran\u00e7ais poss\u00e8dent en moyenne un patrimoine financier de 44\u00a0095\u00a0\u20ac.<\/p>\n","protected":false},"author":5,"featured_media":6921,"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":"yes","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35,36],"tags":[44],"class_list":["post-6920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridique","category-patrimoine","tag-particuliers","typo-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/6920"}],"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=6920"}],"version-history":[{"count":1,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/6920\/revisions"}],"predecessor-version":[{"id":7029,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/6920\/revisions\/7029"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/6921"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=6920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=6920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=6920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}