{"id":9679,"date":"2020-02-27T14:00:00","date_gmt":"2020-02-27T13:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2020\/02\/27\/de-quoi-est-compose-le-patrimoine-financier-des-francais\/"},"modified":"2020-03-30T12:02:08","modified_gmt":"2020-03-30T10:02:08","slug":"de-quoi-est-compose-le-patrimoine-financier-des-francais","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2020\/02\/27\/de-quoi-est-compose-le-patrimoine-financier-des-francais\/","title":{"rendered":"De quoi est compos\u00e9 le patrimoine financier des Fran\u00e7ais\u00a0?"},"content":{"rendered":"<p>La derni\u00e8re note de l\u2019Insee vient nous donner des \u00e9l\u00e9ments chiffr\u00e9s (portant sur les\u00a03<sup>e<\/sup> et 4<sup>e<\/sup>\u00a0trimestres\u00a02019) sur la composition du patrimoine financier des Fran\u00e7ais. Sans surprise, l\u2019assurance-vie arrive en t\u00eate du classement avec des encours de 2\u00a0100,9\u00a0milliards d\u2019euros, soit 39,1\u00a0% de l\u2019\u00e9pargne accumul\u00e9e par les m\u00e9nages (5\u00a0367\u00a0milliards d\u2019euros). Sur ces 2\u00a0100,9\u00a0milliards, les fonds en euros repr\u00e9sentent 1\u00a0722,77\u00a0milliard d\u2019euros, le reliquat correspondant aux investissements en unit\u00e9s de compte. Viennent ensuite les investissements en action, qu\u2019ils soient cot\u00e9s ou non, avec des encours de 1\u00a0299,7\u00a0milliard d\u2019euros. \u00c0 la troisi\u00e8me marche du podium, les d\u00e9p\u00f4ts bancaires r\u00e9mun\u00e9r\u00e9s (Livret\u00a0A, Livret de d\u00e9veloppement durable et solidaire\u2026) avec 1\u00a0033,1\u00a0milliard d\u2019euros. Fait marquant, les esp\u00e8ces et les fonds d\u00e9tenus sur de simples comptes de d\u00e9p\u00f4t \u00e0 vue sont estim\u00e9s \u00e0 603,8\u00a0milliards d\u2019euros, soit 11,25\u00a0% des encours globaux. Enfin, la gestion collective (OPC) ferme la marche avec 217,6\u00a0milliards d\u2019euros. Dans le d\u00e9tail, les OPC actions ont engrang\u00e9 117,8\u00a0milliards d\u2019euros, les OPC obligataires 68,6\u00a0milliards d\u2019euros, les OPC immobiliers 25,3\u00a0milliards d\u2019euros et les OPC mon\u00e9taires, qui ne font plus recettes ces derni\u00e8res ann\u00e9es, ont engrang\u00e9 seulement 5,9\u00a0milliards d\u2019euros.<\/p>\n<p><cite class=\"reference\"><a href=\"https:\/\/www.banque-france.fr\/statistiques\/epargne-et-comptes-nationaux-financiers\/epargne-des-menages\" class=\"target-blank\"><br \/>\n               Note Insee \u2013\u00a0\u00c9pargne des m\u00e9nages 3e\u00a0et\u00a04e\u00a0trimestres\u00a02019<br \/>\n            <\/a><\/cite><\/p>\n<p>Les Echos Publishing 2020<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une note r\u00e9cente de l\u2019Insee nous apprend notamment que l\u2019assurance-vie occupe une place importante dans le patrimoine financier des Fran\u00e7ais.<\/p>\n","protected":false},"author":5,"featured_media":9680,"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":[35,36],"tags":[44],"class_list":["post-9679","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\/9679"}],"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=9679"}],"version-history":[{"count":1,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/9679\/revisions"}],"predecessor-version":[{"id":9693,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/9679\/revisions\/9693"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/9680"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=9679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=9679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=9679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}