{"id":4043,"date":"2023-03-09T10:04:11","date_gmt":"2023-03-09T09:04:11","guid":{"rendered":"https:\/\/www.veracash.com\/?page_id=4043"},"modified":"2024-10-25T10:26:42","modified_gmt":"2024-10-25T08:26:42","slug":"epargner","status":"publish","type":"page","link":"https:\/\/www.veracash.com\/fr\/epargner","title":{"rendered":"\u00c9pargner"},"content":{"rendered":"

[vc_row row_height_percent=\u00a0\u00bb100″ back_image=\u00a0\u00bb9716″ parallax=\u00a0\u00bbyes\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ gutter_size=\u00a0\u00bb3″ column_width_percent=\u00a0\u00bb100″ shift_y=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ content_parallax=\u00a0\u00bb0″ uncode_shortcode_id=\u00a0\u00bb237257″][vc_column column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bbdark\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/2″ uncode_shortcode_id=\u00a0\u00bb139807″][vc_custom_heading heading_semantic=\u00a0\u00bbh1″ text_size=\u00a0\u00bbh1″ text_weight=\u00a0\u00bb400″ css_animation=\u00a0\u00bbcurtain-words\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb136849″ text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb text_color_solid=\u00a0\u00bb#ff0000″ subheading=\u00a0\u00bbDepuis toujours et quasiment partout sur la plan\u00e8te, l\u2019or est consid\u00e9r\u00e9 comme un excellent moyen pour constituer une r\u00e9serve patrimoniale : un tr\u00e9sor.<\/p>\n

Avec Veracash, un nouvel usage est possible au XXIe si\u00e8cle : l\u2019\u00e9pargne\u2026 mobilisable \u00e0 tout moment.\u00a0\u00bb]L’Or,
\nl’\u00e9pargne
\nmoderne[\/vc_custom_heading][vc_button size=\u00a0\u00bblink\u00a0\u00bb btn_link_underline=\u00a0\u00bbbtn-underline-out\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb131122″ link=\u00a0\u00bburl:%23en-savoir-plus|title:D%C3%A9couvrir%20comment%20%C3%A9pargner%20avec%20Veracash\u00a0\u00bb]En savoir plus \u2192[\/vc_button][\/vc_column][vc_column width=\u00a0\u00bb1\/2″][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0″ override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2″ top_padding=\u00a0\u00bb3″ bottom_padding=\u00a0\u00bb3″ overlay_alpha=\u00a0\u00bb50″ equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb4″ column_width_percent=\u00a0\u00bb100″ shift_y=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ content_parallax=\u00a0\u00bb0″ el_class=\u00a0\u00bbinverted-device-order\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb329980″ row_name=\u00a0\u00bben savoir plus\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3″ overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/2″ uncode_shortcode_id=\u00a0\u00bb597619″][vc_single_image media=\u00a0\u00bb9801″ media_width_percent=\u00a0\u00bb100″ shape=\u00a0\u00bbimg-round\u00a0\u00bb radius=\u00a0\u00bbstd\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb949693″][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bblight\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/2″ uncode_shortcode_id=\u00a0\u00bb718861″][vc_custom_heading text_weight=\u00a0\u00bb400″ uncode_shortcode_id=\u00a0\u00bb190432″]Patrimoine versus \u00e9pargne : une r\u00e9serve en or pour des besoins diff\u00e9rents[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb100974″]Du commerce au patrimoine.<\/strong> Quand les pi\u00e8ces d\u2019or n\u2019ont plus \u00e9t\u00e9 utilis\u00e9es pour faire du commerce, elles ont eu un nouvel usage : la r\u00e9serve de valeur. L\u2019or est alors devenu un \u00e9l\u00e9ment du patrimoine.[\/vc_column_text][vc_column_text uncode_shortcode_id=\u00a0\u00bb601648″]Du patrimoine \u00e0 l\u2019\u00e9pargne en or.<\/strong> De patrimoine \u00e0 l\u2019\u00e9pargne, quelle diff\u00e9rence ? L\u2019\u00e9pargne, c\u2019est du patrimoine qu\u2019on peut d\u00e9penser en cas de besoin.<\/p>\n

Les pi\u00e8ces d\u2019or, les lingots et les mini-lingots sont-ils \u00e9changeables facilement en monnaie fiduciaire ou contre des services et des produits ?[\/vc_column_text][vc_column_text uncode_shortcode_id=\u00a0\u00bb140204″]Avec Veracash, la r\u00e9ponse est oui\u00a0! Avec de nombreux avantages suppl\u00e9mentaires.<\/b>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0″ overlay_alpha=\u00a0\u00bb50″ gutter_size=\u00a0\u00bb3″ column_width_percent=\u00a0\u00bb100″ shift_y=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ uncode_shortcode_id=\u00a0\u00bb257636″][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bbdark\u00a0\u00bb back_image=\u00a0\u00bb9738″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/1″ uncode_shortcode_id=\u00a0\u00bb225065″][vc_row_inner][vc_column_inner column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bbdark\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb2\/3″ uncode_shortcode_id=\u00a0\u00bb614029″][vc_custom_heading heading_semantic=\u00a0\u00bbh4″ text_weight=\u00a0\u00bb400″ sub_reduced=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb188639″ subheading=\u00a0\u00bbB\u00e9n\u00e9ficiez d’un compte, d’une carte et diversifiez une partie de votre patrimoine avec de l’or 100% physique\u00a0\u00bb]Avec Veracash, une \u00e9pargne de valeur et disponible \u00e0 chaque instant[\/vc_custom_heading][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100″ position_horizontal=\u00a0\u00bbright\u00a0\u00bb position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_right\u00a0\u00bb gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bbdark\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb170520″][vc_button size=\u00a0\u00bblink\u00a0\u00bb btn_link_underline=\u00a0\u00bbbtn-underline-out\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb868137″ link=\u00a0\u00bburl:https%3A%2F%2Fwww.veracash.com%2Ffr%2Finscription|title:Ouvrir%20un%20compte%20avec%20Veracash\u00a0\u00bb]Ouvrir un compte \u2192[\/vc_button][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0″ overlay_alpha=\u00a0\u00bb50″ equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3″ column_width_percent=\u00a0\u00bb100″ shift_y=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ content_parallax=\u00a0\u00bb0″ uncode_shortcode_id=\u00a0\u00bb192364″][vc_column column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bblight\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb6\/12″ uncode_shortcode_id=\u00a0\u00bb270339″][vc_column_text uncode_shortcode_id=\u00a0\u00bb190119″]<\/p>\n

Que demande-t-on \u00e0 un produit d\u2019\u00e9pargne ?<\/h2>\n

Quand on d\u00e9cide d\u2019\u00e9pargner, on met \u00e0 l\u2019\u00e9cart des revenus non utilis\u00e9s pour pouvoir les utiliser en cas de besoin : des difficult\u00e9s financi\u00e8res, des financements de projets familiaux (\u00e9tudiants, travaux, loisirs) ou faire face \u00e0 une baisse de revenus comme au moment de la retraite. Les principales qualit\u00e9s d\u2019un produit d\u2019\u00e9pargne sont les suivantes :[\/vc_column_text][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bblight\u00a0\u00bb back_color=\u00a0\u00bbcolor-128411″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb2\/12″ uncode_shortcode_id=\u00a0\u00bb142273″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_icon icon_image=\u00a0\u00bb9803″ uncode_shortcode_id=\u00a0\u00bb203181″]\u00catre fiable sur le long terme quelles que soient les conditions ext\u00e9rieures \u00e9conomiques ;[\/vc_icon][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bblight\u00a0\u00bb back_color=\u00a0\u00bbcolor-128411″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb2\/12″ uncode_shortcode_id=\u00a0\u00bb159936″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_icon icon_image=\u00a0\u00bb9805″ uncode_shortcode_id=\u00a0\u00bb172036″]Ne pas perdre de valeur et m\u00eame, si possible, g\u00e9n\u00e9rer des gains ;[\/vc_icon][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bblight\u00a0\u00bb back_color=\u00a0\u00bbcolor-128411″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb2\/12″ uncode_shortcode_id=\u00a0\u00bb196871″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_icon icon_image=\u00a0\u00bb9807″ uncode_shortcode_id=\u00a0\u00bb189606″]\u00catre mobilisable rapidement.[\/vc_icon][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0″ overlay_alpha=\u00a0\u00bb50″ gutter_size=\u00a0\u00bb3″ column_width_percent=\u00a0\u00bb100″ shift_y=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ uncode_shortcode_id=\u00a0\u00bb148687″][vc_column column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3″ expand_height=\u00a0\u00bbyes\u00a0\u00bb style=\u00a0\u00bblight\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/1″ uncode_shortcode_id=\u00a0\u00bb197421″][vc_column_text uncode_shortcode_id=\u00a0\u00bb105383″]<\/p>\n

L\u2019or r\u00e9pond-il \u00e0 ces crit\u00e8res d\u2019excellence pour une \u00e9pargne ?<\/h2>\n

Oui, l\u2019or correspond \u00e0 cette description d\u2019\u00e9pargne id\u00e9ale.[\/vc_column_text][vc_row_inner row_inner_height_percent=\u00a0\u00bb0″ overlay_alpha=\u00a0\u00bb50″ equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3″ shift_y=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ uncode_shortcode_id=\u00a0\u00bb135348″][vc_column_inner column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ back_color=\u00a0\u00bbcolor-128411″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb783920″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_custom_heading text_weight=\u00a0\u00bb400″ uncode_shortcode_id=\u00a0\u00bb152431″]L\u2019or : un actif au long cours[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb101011″]Le prix de l\u2019or est libre<\/strong>. Mais les multiples sous-jacents de ce m\u00e9tal pr\u00e9cieux font que le prix de l\u2019once, du kilo d\u2019or est plut\u00f4t stable sur le long terme. En effet, quand tout va bien, le cours de l\u2019or stagne. Mais si tout va bien, nul besoin de son \u00e9pargne. Si c\u2019est la crise – \u00e9conomique, sanitaire ou financi\u00e8re (et les 20 derni\u00e8res ann\u00e9es nous ont bien servi en crises profondes et violentes) -, l\u2019or devient la valeur refuge de tout le monde et le cours augmente. En g\u00e9n\u00e9ral de mani\u00e8re contracyclique (inverse) par rapport aux autres produits d\u2019\u00e9pargne.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ back_color=\u00a0\u00bbcolor-128411″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb180999″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_custom_heading text_weight=\u00a0\u00bb400″ uncode_shortcode_id=\u00a0\u00bb177204″]Id\u00e9e re\u00e7ue : l\u2019or ne rapporte rien[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb152245″]L\u2019or ne produit pas de revenus, c\u2019est vrai. Avec une \u00e9pargne en or<\/strong>, il n\u2019y a pas d\u2019int\u00e9r\u00eats, de loyers ou encore de dividendes. C\u2019est la grande diff\u00e9rence avec les autres outils comme les livrets, l\u2019immobilier, les obligations et pourquoi pas les actions. En revanche, on peut g\u00e9n\u00e9rer des gains avec une \u00e9pargne en or. La plus-value entre le prix d\u2019achat et le prix de vente peut permettre \u00e0 l\u2019\u00e9pargnant d\u2019avoir un placement qui prend de la valeur.<\/p>\n

Les clients de Veracash peuvent voir en direct sur leur compte l\u2019\u00e9volution de la plus-value de leur \u00e9pargne en or.<\/strong>[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ back_color=\u00a0\u00bbcolor-128411″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb311511″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_custom_heading text_weight=\u00a0\u00bb400″ uncode_shortcode_id=\u00a0\u00bb991907″]L\u2019or peut \u00eatre liquide et pas seulement sous l\u2019effet de la chaleur[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb186774″]C\u2019est \u00e0 1064\u00b0 que l\u2019or entre en fusion et devient liquide. Mais ce n\u2019est pas le sujet. On parle ici de liquidit\u00e9 de l\u2019\u00e9pargne, c\u2019est-\u00e0-dire sa capacit\u00e9 \u00e0 \u00eatre mobilisable et transform\u00e9e en monnaie fiduciaire. Comme pour un livret d\u2019\u00e9pargne ?<\/p>\n

Bonne nouvelle, Veracash le propose aussi avec virements imm\u00e9diats. Mais surtout, l\u2019\u00e9pargne en or est mobilisable au centime pr\u00e8s via une carte de paiement. Retirer des euros au distributeur de billets du coin de la rue depuis son compte en or, c\u2019est possible.<\/strong>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bblight\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/1″ uncode_shortcode_id=\u00a0\u00bb111656″][vc_column_text uncode_shortcode_id=\u00a0\u00bb301094″]<\/p>\n

Comment \u00e9viter les risques sp\u00e9cifiques \u00e0 l\u2019or ?<\/h2>\n

Une \u00e9pargne doit pouvoir \u00eatre mobilisable en cas de besoin sans surprise. Des placements r\u00e9put\u00e9s agiles, comme les assurances-vie ou les SCPI (soci\u00e9t\u00e9s civiles de placement immobilier), ont donn\u00e9 des sueurs froides \u00e0 des \u00e9pargnants. Les d\u00e9lais de liquidation se r\u00e9v\u00e8lent parfois tr\u00e8s long. En cas d\u2019urgence, c\u2019est un risque \u00e0 prendre en compte.<\/p>\n

Pour l\u2019or, les risques sont plut\u00f4t li\u00e9s \u00e0 l\u2019origine des produits (fausses pi\u00e8ces, lingots fourr\u00e9s au tungst\u00e8ne) et \u00e0 la garde. Il est donc important de choisir des acteurs qui ma\u00eetrisent la cha\u00eene de production ou de commercialisation de l\u2019or, les labels qualit\u00e9 par exemple ; pour la garde s\u00e9curis\u00e9e, l\u00e0 aussi, les prestations doivent \u00eatre au top !<\/p>\n

\n

Chez Veracash, l\u2019or choisi est lab\u00e9lis\u00e9 par la plus grande association d\u2019acteurs de l\u2019or (LBMA, London Bullion Market Association) et la conservation des actifs se fait en Suisse dans des entrep\u00f4ts s\u00e9curis\u00e9s.<\/strong><\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0″ overlay_alpha=\u00a0\u00bb50″ gutter_size=\u00a0\u00bb3″ column_width_percent=\u00a0\u00bb100″ shift_y=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ uncode_shortcode_id=\u00a0\u00bb257636″][vc_column column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bbdark\u00a0\u00bb back_image=\u00a0\u00bb9713″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/1″ uncode_shortcode_id=\u00a0\u00bb862081″][vc_row_inner][vc_column_inner column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bbdark\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb2\/3″ uncode_shortcode_id=\u00a0\u00bb385384″][vc_custom_heading heading_semantic=\u00a0\u00bbh4″ text_weight=\u00a0\u00bb400″ sub_reduced=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb205719″]Ouvrez un compte chez Veracash et profitez d’une exp\u00e9rience d’investissement pl\u00e9biscit\u00e9e par nos clients[\/vc_custom_heading][vc_button size=\u00a0\u00bblink\u00a0\u00bb btn_link_underline=\u00a0\u00bbbtn-underline-out\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb194567″ link=\u00a0\u00bburl:https%3A%2F%2Fwww.veracash.com%2Ffr%2Finscription|title:Ouvrir%20un%20compte%20avec%20Veracash\u00a0\u00bb]Ouvrir un compte \u2192[\/vc_button][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100″ position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_right\u00a0\u00bb gutter_size=\u00a0\u00bb3″ style=\u00a0\u00bbdark\u00a0\u00bb overlay_alpha=\u00a0\u00bb50″ shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb120456″][vc_raw_html]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[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ expand_height=\u00a0\u00bbyes\u00a0\u00bb style=\u00a0\u00bbdark\u00a0\u00bb back_color=\u00a0\u00bbcolor-189054″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb187423″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_custom_heading heading_semantic=\u00a0\u00bbh3″ text_weight=\u00a0\u00bb400″ uncode_shortcode_id=\u00a0\u00bb453232″]L\u2019or a un cours qui \u00e9volue<\/span>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb712675″]C\u2019est une des sp\u00e9cificit\u00e9s de l\u2019\u00e9pargne en or. Le prix de l\u2019or peut changer. Si bien qu\u2019avec la m\u00eame somme d\u2019argent, selon le cours, on peut avoir une quantit\u00e9 d\u2019or diff\u00e9rente. Apr\u00e8s, une nouvelle fois, c\u2019est la psychologie de l\u2019\u00e9pargnant qui va intervenir. Il y aura celui qui veut faire \u00ab tapis \u00bb d\u00e8s que le prix de l\u2019once d\u2019or ou d\u2019argent lui semble int\u00e9ressant. Un autre pr\u00e9f\u00e8rera mettre c\u00f4t\u00e9 r\u00e9guli\u00e8rement, en portant une attention moins soutenue au niveau du cours de l\u2019or.[\/vc_column_text][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ expand_height=\u00a0\u00bbyes\u00a0\u00bb style=\u00a0\u00bbdark\u00a0\u00bb back_color=\u00a0\u00bbcolor-189054″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb131595″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_custom_heading heading_semantic=\u00a0\u00bbh3″ text_weight=\u00a0\u00bb400″ uncode_shortcode_id=\u00a0\u00bb570264″]DCA : la m\u00e9thode pr\u00e9f\u00e9r\u00e9e des \u00e9pargnants am\u00e9ricains<\/span>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb187638″]Une fois de plus il ne s\u2019agit pas d\u2019un conseil mais d\u2019une information. Aux \u00c9tats-Unis o\u00f9 les cotisations retraites obligatoires sont inexistantes, c\u2019est \u00e0 l\u2019individu de cr\u00e9er sa propre \u00e9pargne retraite. Pour ce faire, une des m\u00e9thodes utilis\u00e9es est celle du DCA, dollar cost average<\/em>. Elle consiste \u00e0 \u00e9pargner r\u00e9guli\u00e8rement, chaque mois, une m\u00eame somme pendant toute sa vie professionnelle. Une mani\u00e8re de constituer une \u00e9pargne tr\u00e8s t\u00f4t et surtout de lisser les effets de cours.[\/vc_column_text][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100″ gutter_size=\u00a0\u00bb3″ expand_height=\u00a0\u00bbyes\u00a0\u00bb style=\u00a0\u00bbdark\u00a0\u00bb back_color=\u00a0\u00bbcolor-189054″ overlay_alpha=\u00a0\u00bb50″ radius=\u00a0\u00bbstd\u00a0\u00bb shift_x=\u00a0\u00bb0″ shift_y=\u00a0\u00bb0″ shift_y_down=\u00a0\u00bb0″ z_index=\u00a0\u00bb0″ medium_width=\u00a0\u00bb0″ mobile_width=\u00a0\u00bb0″ width=\u00a0\u00bb1\/3″ uncode_shortcode_id=\u00a0\u00bb758773″ back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_custom_heading heading_semantic=\u00a0\u00bbh3″ text_weight=\u00a0\u00bb400″ uncode_shortcode_id=\u00a0\u00bb797736″]D\u00e9penser au plus haut, amasser au plus bas<\/span>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb130806″]Ce n\u2019est pas une m\u00e9thode mais une possibilit\u00e9 donn\u00e9e par Veracash<\/strong>. Depuis le compte, l\u2019\u00e9pargnant va constater quand le cours de l\u2019or est haut que sa \u00ab plus-value \u00bb est importante. Il peut donc la \u00ab consommer \u00bb en partie sans toucher \u00e0 son capital, ni \u00e0 ses liquidit\u00e9s sur son compte courant. En revanche, quand le prix de l\u2019or touche un plancher, c\u2019est le moment de recharger son compte avec les liquidit\u00e9s qui n\u2019ont pas \u00e9t\u00e9 touch\u00e9es. Une gestion du temps long qui allie \u00e9pargne et consommation.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/1″][uncode_block id=\u00a0\u00bb5143″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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