{"id":2511,"date":"2022-01-05T16:03:22","date_gmt":"2022-01-05T15:03:22","guid":{"rendered":"https:\/\/www.veracash.com\/fr\/blog\/?p=2511"},"modified":"2023-06-27T12:21:42","modified_gmt":"2023-06-27T10:21:42","slug":"ou-et-comment-placer-son-epargne-en-2022","status":"publish","type":"post","link":"https:\/\/www.veracash.com\/fr\/blog\/ou-et-comment-placer-son-epargne-en-2022","title":{"rendered":"O\u00f9 et comment placer son \u00e9pargne en 2022 ? Le guide pratique"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb151077&Prime;]<span style=\"font-weight: 400\">Toujours difficile de jouer les \u00ab diseuses de bonne aventure \u00bb en mati\u00e8re d\u2019\u00e9pargne. On peut simplement tenter d\u2019observer la situation \u00e9conomique, \u00e9tablir un \u00e9tat des lieux de l\u2019\u00e9pargne en 2021 et faire appel au bon sens de l\u2019\u00e9pargnant. Suivez le guide !<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row=\u00a0\u00bb\u00a0\u00bb 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; uncode_shortcode_id=\u00a0\u00bb159502&Prime; back_color_type=\u00a0\u00bbuncode-solid\u00a0\u00bb back_color_solid=\u00a0\u00bb#ededed\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text text_lead=\u00a0\u00bbsmall\u00a0\u00bb text_color=\u00a0\u00bbcolor-184243&Prime; uncode_shortcode_id=\u00a0\u00bb497536&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]<i><span style=\"font-weight: 400\">Rappel\u00a0: vous ne trouverez pas ici de conseils d\u2019investissements, ce n\u2019est pas l\u2019objet de cet article. Si vous souhaitez investir, adressez-vous \u00e0 un conseiller en gestion du patrimoine qui \u00e9tablira votre profil d\u2019investisseur avant toutes propositions de placements.\u00a0<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400\">Enfin, les performances pass\u00e9es d\u2019un investissement ne d\u00e9terminent pas ses r\u00e9sultats futurs. <\/span><\/i><i>La parole du sage\u00a0: \u00ab\u00a0quand tu ne sais pas o\u00f9 tu vas, regarde d\u2019o\u00f9 tu viens\u00a0\u00bb ne marche pas pour l\u2019\u00e9pargnant\u00a0!<\/i>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb245351&Prime;]<\/p>\n<h2><span style=\"font-weight: 400\">Des investissements 2022 sous le signe de l\u2019inflation<\/span><\/h2>\n<p><span style=\"font-weight: 400\">La star de l\u2019ann\u00e9e \u00e9conomique 2022 sera <\/span><b>l\u2019inflation\u00a0<\/b><span style=\"font-weight: 400\">! Elle \u00e9tait l\u00e0 en 2021 m\u00eame si les Banques Centrales ont tout fait pour ne pas la voir, ou plut\u00f4t ne pas l\u2019annoncer officiellement. Mais ces derni\u00e8res semaines, aux \u00c9tats-Unis et en Europe, le terme d\u2019inflation durable a \u00e9t\u00e9 l\u00e2ch\u00e9 par les banquiers centraux. Les centaines de milliards de dollars et d\u2019euros inject\u00e9s sous forme de plan de relance depuis le d\u00e9but de la crise COVID ont provoqu\u00e9 une surchauffe de l\u2019\u00e9conomie. Les prix sont en hausse dans tous les secteurs. Il ne manque plus que l\u2019augmentation des salaires et l\u00e0, on sera bel et bien dans une situation inflationniste\u00a0!<\/span><\/p>\n<h3><span style=\"font-weight: 400\">Comment faire fructifier son \u00e9pargne en p\u00e9riode d\u2019inflation\u00a0?<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Normalement, quand l\u2019inflation pointe le bout de son nez, les responsables de la finance mondiale s\u2019empressent d\u2019augmenter les taux d\u2019int\u00e9r\u00eat pour \u00ab\u00a0ralentir\u00a0\u00bb l\u2019\u00e9conomie. On se retrouve donc avec certains placements qui reprennent des couleurs\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">les emprunts d\u2019\u00c9tats\u00a0;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">les obligations\u00a0;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">les produits d\u2019\u00e9pargne r\u00e9gul\u00e9s comme le livret A. Le <\/span><a target=\"_blank\" href=\"https:\/\/www.economie.gouv.fr\/facileco\/livret-a-taux-calcul\" rel=\"noopener\"><span style=\"font-weight: 400\">calcul de son taux<\/span><\/a><span style=\"font-weight: 400\"> prend en compte l\u2019inflation.<\/span><\/li>\n<\/ul>\n<blockquote><p><span style=\"font-weight: 400\">Mais attention toutefois \u00e0 bien calculer la diff\u00e9rence entre <\/span><b>le taux d\u2019inflation et les taux d\u2019int\u00e9r\u00eat du produit<\/b><span style=\"font-weight: 400\">. Si vous avez une inflation \u00e0 3 % et des taux remont\u00e9s \u00e0 2 %, vous perdez toujours 1 % sur votre placement.\u00a0<\/span><\/p><\/blockquote>\n<p>[\/vc_column_text][vc_column_text uncode_shortcode_id=\u00a0\u00bb144908&Prime;]<\/p>\n<h3><span style=\"font-weight: 400\">Comment se comportent l\u2019or et l\u2019argent en p\u00e9riode d\u2019inflation\u00a0?<\/span><\/h3>\n<p><span style=\"font-weight: 400\">L\u2019or va tout d\u2019abord \u00eatre tiraill\u00e9 entre deux directions.<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400\"> Avec l\u2019inflation, m\u00e9caniquement, <\/span><b>l\u2019or physique va augmenter<\/b><span style=\"font-weight: 400\">. Le principe de la hausse des prix va s\u2019appliquer aussi aux mati\u00e8res pr\u00e9cieuses comme l\u2019or et l\u2019argent.<\/span><\/li>\n<li><span style=\"font-weight: 400\"> Pour limiter l\u2019inflation, les Banques Centrales vont devoir <\/span><b>augmenter les taux d\u2019int\u00e9r\u00eat<\/b><span style=\"font-weight: 400\">. Et on l\u2019a vu en octobre 2021\u00a0: le cours de l\u2019or a baiss\u00e9 quand J. Powell, le responsable de la R\u00e9serve F\u00e9d\u00e9rale Am\u00e9ricaine, a \u00e9voqu\u00e9 l\u2019id\u00e9e d\u2019une augmentation des taux d\u2019int\u00e9r\u00eat. Pourquoi\u00a0? Parce que les emprunts d\u2019\u00c9tat sont des concurrents de l\u2019or pour les placements de long terme.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400\">Pour l\u2019argent, la situation est un peu diff\u00e9rente. En effet, l\u2019usage industriel de cette mati\u00e8re pr\u00e9cieuse est important. Notamment dans l\u2019industrie de la transition \u00e9nerg\u00e9tique, avec une pr\u00e9sence importante dans les panneaux photovolta\u00efques. Donc m\u00eame si l\u2019\u00e9volution de son cours est assez similaire \u00e0 celle de l\u2019or, les tensions dans l\u2019approvisionnement industriel ou \u00e0 l\u2019inverse des baisses d\u2019activit\u00e9s peuvent influencer fortement <\/span><a href=\"https:\/\/www.veracash.fr\/comment-investir-argent\"><span style=\"font-weight: 400\">le prix de l\u2019argent m\u00e9tal<\/span><\/a><span style=\"font-weight: 400\">.<\/span>[\/vc_column_text][vc_row_inner][vc_column_inner column_width_percent=\u00a0\u00bb80&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; 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\u00bb864518&Prime;][vc_raw_html]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[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb102613&Prime;]<\/p>\n<h2><span style=\"font-weight: 400\">La valeur refuge <\/span><b><i>saison 2022<\/i><\/b><span style=\"font-weight: 400\">\u00a0: krach boursier, re-re-re-crise sanitaire, \u00e9lections\u2026<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Ce n\u2019est toujours pas Madame Irma qui vous parle. Mais\u2026 voici quelques \u00e9l\u00e9ments pour pr\u00e9parer l\u2019ann\u00e9e 2022. On risque d\u2019entendre parler \u00e0 nouveau de <\/span><a href=\"https:\/\/www.veracash.fr\/or-valeur-refuge\"><span style=\"font-weight: 400\">la valeur refuge<\/span><\/a><span style=\"font-weight: 400\">, de l\u2019or donc.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">La bourse au plus haut, jusqu\u2019\u00e0 quand\u00a0?<\/span><\/h3>\n<p><a target=\"_blank\" href=\"https:\/\/www.nasdaq.com\/articles\/3-reasons-why-gold-etfs-will-likely-gain-in-2022\" rel=\"noopener\"><span style=\"font-weight: 400\">Plusieurs sp\u00e9cialistes de la Bourse<\/span><\/a><span style=\"font-weight: 400\"> notent que les indices boursiers sont au plus haut (le S&amp;P500 surperforme de 107 % par rapport \u00e0 ses plus bas de 2020). Et comme le dit l\u2019adage du trader\u00a0: \u00ab\u00a0les indices, comme les arbres, ne montent pas jusqu\u2019au ciel\u00a0\u00bb. Une forte correction, pour ne pas dire un krach, du march\u00e9 action pourrait intervenir dans l\u2019ann\u00e9e. <\/span><b>Dans cette situation, le cours de l\u2019or repart \u00e0 la hausse.<\/b><\/p>\n<h3><span style=\"font-weight: 400\">COVID\u00a0: une \u00e9conomie soumise aux variants<\/span><\/h3>\n<p><span style=\"font-weight: 400\">M\u00eame si la plan\u00e8te semble s\u2019adapter aux vagues successives du COVID-19 et \u00e0 ses multiples variants, on remarque quand m\u00eame que certaines activit\u00e9s sont toujours fortement impact\u00e9es par les fermetures de fronti\u00e8res, les limitations de d\u00e9placement ou les obligations vaccinales. Entre la n\u00e9cessit\u00e9 de juguler l\u2019inflation et celle de ne pas creuser encore plus les dettes publiques, il est possible que les gouvernements n\u2019aient plus les moyens de financer des <strong>plans de relance \u00e0 r\u00e9p\u00e9tition<\/strong>.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400\">L\u2019incertitude des \u00e9lections et de l\u2019\u00e9quilibre du monde<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Les investisseurs d\u00e9testent les surprises \u00e9lectorales mais encore plus les conflits entre \u00c9tats. Et m\u00eame si les J<strong>eux Olympiques d\u2019hiver de P\u00e9kin<\/strong> devraient entra\u00eener une tr\u00eave entre la Chine et les \u00c9tats-Unis, on peut s\u2019attendre \u00e0 la poursuite des provocations entre les deux puissances. Le leadership mondial est en jeu.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row=\u00a0\u00bb\u00a0\u00bb row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb0&Prime; top_padding=\u00a0\u00bb2&Prime; bottom_padding=\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; uncode_shortcode_id=\u00a0\u00bb145792&Prime;][vc_column column_width_percent=\u00a0\u00bb100&Prime; position_horizontal=\u00a0\u00bbleft\u00a0\u00bb gutter_size=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; 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\u00bb566104&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb126037&Prime;]<\/p>\n<h2><span style=\"font-weight: 400\">Choisir l\u2019investissement programm\u00e9 comme strat\u00e9gie pour faire fructifier son \u00e9pargne<\/span><\/h2>\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; uncode_shortcode_id=\u00a0\u00bb120186&Prime;][vc_column column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; 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\/3&Prime; uncode_shortcode_id=\u00a0\u00bb126751&Prime;][vc_single_image media=\u00a0\u00bb2523&Prime; media_width_percent=\u00a0\u00bb100&Prime; alignment=\u00a0\u00bbright\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb193049&Prime;][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; 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\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb272860&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb159593&Prime;]<span style=\"font-weight: 400\">Dans ce monde d\u2019incertitudes, une <\/span><b style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">strat\u00e9gie d\u2019investissement<\/b><span style=\"font-weight: 400\"> est tr\u00e8s \u00e0 la mode chez les \u00e9pargnants. Plut\u00f4t que de suivre l\u2019\u00e9volution des cours et donc de risquer de subir la volatilit\u00e9 des placements, on d\u00e9cide de morceler ses apports. <\/span><a href=\"https:\/\/www.veracash.fr\/blog\/investissement-programme-dollar-cost-averaging-dca\/\">Le Dollar cost averaging (DCA)<\/a><span style=\"font-weight: 400\"> consiste \u00e0 programmer l\u2019investissement r\u00e9guli\u00e8rement, chaque mois par exemple, en petites sommes. Et ce, sans faire attention \u00e0 l\u2019\u00e9volution des cours de l\u2019actif dans lequel on investit (ou presque). Une m\u00e9thode qui est adapt\u00e9e aux placements dans les <\/span><a href=\"https:\/\/www.veracash.fr\/comment-investir-or\">m\u00e9taux pr\u00e9cieux comme l\u2019or<\/a><span style=\"font-weight: 400\"> ou l\u2019argent puisque les soubresauts des cours existent mais sont relativement limit\u00e9s. Cela ne serait pas la m\u00eame chose (et encore) pour des cryptoactifs tr\u00e8s volatils comme le Bitcoin ou autres.\u00a0 Regardez <\/span><a target=\"_blank\" href=\"https:\/\/youtu.be\/3I7Hn3Jq9H4?t=373\" rel=\"noopener\">l\u2019exemple de DCA<\/a><span style=\"font-weight: 400\"> pris par Tradosaure, sp\u00e9cialiste de l\u2019analyse des cours des m\u00e9taux pr\u00e9cieux dans son bilan de l\u2019ann\u00e9e 2021\u00a0pour les cours de l\u2019or et de l\u2019argent.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row unlock_row=\u00a0\u00bb\u00a0\u00bb row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb0&Prime; top_padding=\u00a0\u00bb2&Prime; bottom_padding=\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; uncode_shortcode_id=\u00a0\u00bb118237&Prime;][vc_column column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; 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\u00bb153449&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb102191&Prime;]<\/p>\n<h2><span style=\"font-weight: 400\">Diversifier son \u00e9pargne en 2022<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb4&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; el_class=\u00a0\u00bbinverted-device-order\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb486955&Prime;][vc_column column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; 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\u00bb2\/3&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb210266&Prime;]<span style=\"font-weight: 400\">Le bon sens rural appelle cela\u00a0: \u00ab\u00a0ne pas mettre ses \u0153ufs dans le m\u00eame panier\u00a0\u00bb. Effectivement, en plus de morceler ses investissements, il est possible de <\/span><b>r\u00e9partir son \u00e9pargne<\/b><span style=\"font-weight: 400\"> sur plusieurs produits ou actifs. L\u00e0 aussi, un sp\u00e9cialiste de la gestion du patrimoine saura vous aider. Mais l\u2019id\u00e9e est de choisir des placements qui ne r\u00e9agissent pas de la m\u00eame mani\u00e8re \u00e0 une situation \u00e9conomique ou g\u00e9opolitique. On l\u2019a souvent constat\u00e9, m\u00eame pour deux m\u00e9taux pr\u00e9cieux comme l\u2019or et l\u2019argent, qui semblent proches, les \u00e9volutions des cours peuvent \u00eatre diff\u00e9rentes. Vous pouvez donc choisir d\u2019arbitrer, selon la situation, entre l\u2019or ou l\u2019argent. Une possibilit\u00e9 offerte sur le compte VeraCash o\u00f9 vous pouvez adapter en temps r\u00e9el, la r\u00e9partition du contenu de votre compte.<\/span>[\/vc_column_text][\/vc_column][vc_column column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; 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\/3&Prime; uncode_shortcode_id=\u00a0\u00bb203741&Prime;][vc_single_image media=\u00a0\u00bb1755&Prime; media_width_percent=\u00a0\u00bb100&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb175152&Prime;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Toujours difficile de jouer les \u00ab\u00a0diseuses de bonne aventure\u00a0\u00bb en mati\u00e8re d\u2019\u00e9pargne. On peut simplement tenter d\u2019observer la situation \u00e9conomique, \u00e9tablir un \u00e9tat des lieux de l\u2019\u00e9pargne en 2021 et faire appel au bon sens de l\u2019\u00e9pargnant. Suivez le guide\u00a0!<\/p>\n","protected":false},"author":20,"featured_media":2538,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[33],"tags":[175],"class_list":["post-2511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-epargne","tag-epargne"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.5 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O\u00f9 et comment placer son \u00e9pargne en 2022 ? Le guide pratique<\/title>\n<meta name=\"description\" content=\"Suivez le guide ! 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VeraCash vous accompagne dans votre d\u00e9marche d&#039;\u00e9pargne pour 2022 en distillant ses conseils pratiques \u00e0 la lumi\u00e8re de l&#039;actu\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.veracash.com\/fr\/blog\/ou-et-comment-placer-son-epargne-en-2022\" \/>\n<meta property=\"og:site_name\" content=\"Veracash\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-05T15:03:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-27T10:21:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.veracash.com\/wp-content\/uploads\/2022\/01\/Visuel-blog-E\u0301pargne-Ferme-03-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"671\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mathieu Devaux-Sabarros\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MathieuD_S\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.veracash.com\/fr\/blog\/ou-et-comment-placer-son-epargne-en-2022\",\"url\":\"https:\/\/www.veracash.com\/fr\/blog\/ou-et-comment-placer-son-epargne-en-2022\",\"name\":\"O\u00f9 et comment placer son \u00e9pargne en 2022 ? 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