{"id":22202,"date":"2022-03-18T00:00:00","date_gmt":"2022-03-18T00:00:00","guid":{"rendered":""},"modified":"2024-03-08T15:37:22","modified_gmt":"2024-03-08T15:37:22","slug":"leffet-possible-de-la-hausse-des-taux-dinteret-sur-vos-placements","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/leffet-possible-de-la-hausse-des-taux-dinteret-sur-vos-placements\/","title":{"rendered":"L&rsquo;effet possible de la hausse des taux d&rsquo;int\u00e9r\u00eat sur vos placements"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/inflation\/\">\n\t\t\t\t\t\t\t<span>Inflation<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">L&rsquo;effet possible de la hausse des taux d&rsquo;int\u00e9r\u00eat sur vos placements<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By l&#039;\u00e9quipe Investisseur inspir\u00e9<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-34.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une femme assise \u00e0 un bureau regarde un \u00e9cran d&#039;ordinateur\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-34.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-34.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-34.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=L&rsquo;effet possible de la hausse des taux d&rsquo;int\u00e9r\u00eat sur vos placements &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/leffet-possible-de-la-hausse-des-taux-dinteret-sur-vos-placements\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/leffet-possible-de-la-hausse-des-taux-dinteret-sur-vos-placements\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 18 mars 2022 \u2022 5 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>L&rsquo;investissement pour tous, quel que soit votre styleLe 2 mars 2022, la Banque du Canada a relev\u00e9 son taux directeur pour la premi\u00e8re fois depuis 2018, \u00e0 0,5 %, apr\u00e8s l&rsquo;avoir maintenu pr\u00e8s de z\u00e9ro pendant pr\u00e8s de deux ans depuis le d\u00e9but de la pand\u00e9mie.<\/p>\n\n\n\n<p>Plus t\u00f4t, elle avait indiqu\u00e9 qu&rsquo;elle augmenterait les taux d&rsquo;int\u00e9r\u00eat pour ralentir l&rsquo;inflation galopante, qui avait atteint 5,1 % en janvier, un sommet en 30 ans.<\/p>\n\n\n\n<p>Elle a alors d\u00e9clar\u00e9 que les pressions mondiales continueraient \u00e0 pousser les prix \u00e0 la hausse dans les mois subs\u00e9quents, mais qu&rsquo;elle se servirait de son taux directeur pour garder les attentes d&rsquo;inflation bien ancr\u00e9es. L&rsquo;invasion de l&rsquo;Ukraine par la Russie a \u00e9t\u00e9 consid\u00e9r\u00e9e comme une nouvelle source importante d&rsquo;incertitude, contribuant \u00e0 la flamb\u00e9e du prix du p\u00e9trole et d&rsquo;autres produits de base.<\/p>\n\n\n\n<p>La banque centrale a indiqu\u00e9 ce qui suit dans un communiqu\u00e9 : \u00ab Cela fera monter l&rsquo;inflation partout dans le monde, et les effets n\u00e9fastes sur la confiance ainsi que les nouvelles perturbations de l&rsquo;approvisionnement pourraient peser sur la croissance mondiale. La volatilit\u00e9 des march\u00e9s financiers s&rsquo;est accrue. \u00bb<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile has-rbc-bright-blue-tint-4-background-color has-background\" style=\"grid-template-columns:20% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/icon-learn-more.svg?w=1024\" alt=\"\" class=\"wp-image-20413 size-full\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading\" id=\"h-l-investissement-pour-tous-quel-que-soit-votre-style\">L&rsquo;investissement pour tous, quel que soit votre style<\/h2>\n\n\n\n<p>Investissez sans compromis \u00e0 RBC<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/facons-dinvestir-comparaison.html\" data-dig-id=\"LP-22202-9d89146c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Pour en savoir plus\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\">Pour en savoir plus<\/a><\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Qu&rsquo;est-ce que cela pourrait signifier pour vous ?<\/h3>\n\n\n\n<p>Certains facteurs doivent \u00eatre pris en consid\u00e9ration dans un contexte de hausse des taux d&rsquo;int\u00e9r\u00eat. Il est important de comprendre la corr\u00e9lation entre les taux d&rsquo;int\u00e9r\u00eat et les diff\u00e9rents types de placements pour faire des choix \u00e9clair\u00e9s. Voici cinq points importants \u00e0 retenir :<\/p>\n\n\n\n<p><strong>Certificats de placement garanti (CPG) :<\/strong> Les CPG pr\u00e9sentent un risque faible. Lorsque vous achetez un CPG, vous d\u00e9posez votre argent aupr\u00e8s d&rsquo;une banque ou d&rsquo;une institution financi\u00e8re pour une p\u00e9riode pr\u00e9d\u00e9termin\u00e9e, allant de plusieurs jours \u00e0 plusieurs ann\u00e9es. En \u00e9change, cela vous rapporte des int\u00e9r\u00eats. Plus le terme du CPG est long, plus vous touchez d&rsquo;int\u00e9r\u00eats. \u00c0 l&rsquo;\u00e9ch\u00e9ance, vous r\u00e9cup\u00e9rez l&rsquo;enti\u00e8ret\u00e9 du montant d\u00e9pos\u00e9 plus les int\u00e9r\u00eats. Habituellement, quand les taux d&rsquo;int\u00e9r\u00eat augmentent, les taux fixes offerts sur les CPG font de m\u00eame.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/fr\/comptes\/e-savings.html\">Comptes d&rsquo;\u00e9pargne <\/a><a href=\"https:\/\/www.rbcroyalbank.com\/accounts\/e-savings.html\">:<\/a> Les comptes d&rsquo;\u00e9pargne peuvent convenir aux particuliers qui veulent obtenir un taux d&rsquo;int\u00e9r\u00eat sup\u00e9rieur \u00e0 celui offert dans un compte ch\u00e8ques classique, sans avoir \u00e0 immobiliser leur argent pendant une dur\u00e9e pr\u00e9cise. Comme c&rsquo;est le cas pour les CPG, quand la Banque du Canada rel\u00e8ve les taux, ceux des comptes d&rsquo;\u00e9pargne suivent la tendance. Les \u00e9pargnants qui ont connu des taux d&rsquo;int\u00e9r\u00eat historiquement bas durant la pand\u00e9mie s&rsquo;en r\u00e9jouiront.<\/p>\n\n\n\n<p><strong>Actions :<\/strong> Le cours des actions peut baisser pour diverses raisons, notamment si les co\u00fbts d&#8217;emprunt des soci\u00e9t\u00e9s augmentent et qu&rsquo;elles doivent d\u00e9penser davantage pour assurer le service de la dette. Autrement dit, lorsqu&rsquo;il y a moins d&rsquo;argent disponible pour les d\u00e9penses en immobilisations, cela peut se r\u00e9percuter sur la croissance future des b\u00e9n\u00e9fices Par ailleurs, si l&rsquo;endettement et les taux d&rsquo;int\u00e9r\u00eat \u00e9lev\u00e9s font en sorte que les consommateurs d\u00e9pensent moins, les profits et les revenus des entreprises diminueront. Toutefois, certains secteurs (comme celui de la finance) ont tendance \u00e0 r\u00e9agir positivement aux fluctuations des taux d&rsquo;int\u00e9r\u00eat. L&rsquo;id\u00e9al, c&rsquo;est d&rsquo;avoir un portefeuille diversifi\u00e9.<\/p>\n\n\n\n<p><strong>Obligations :<\/strong> Comme pour les CPG, les taux d&rsquo;int\u00e9r\u00eat des obligations d&rsquo;\u00c9tat sont fixes et les investisseurs r\u00e9cup\u00e8rent la totalit\u00e9 de leur placement initial \u00e0 l&rsquo;\u00e9ch\u00e9ance. Elles offrent une plus grande souplesse que les CPG puisque les investisseurs peuvent les encaisser \u00e0 tout moment, mais il se peut alors qu&rsquo;ils aient \u00e0 le faire \u00e0 perte. Les prix des obligations d&rsquo;\u00c9tat et les taux d&rsquo;int\u00e9r\u00eat \u00e9voluent habituellement dans des directions oppos\u00e9es : lorsque l&rsquo;un monte, l&rsquo;autre descend. Les obligations peuvent g\u00e9n\u00e9rer un rendement sup\u00e9rieur quand les march\u00e9s anticipent un rel\u00e8vement des taux.<\/p>\n\n\n\n<p><strong>Comptes sur marge :<\/strong> Un compte sur marge est un compte de courtage dans lequel le courtier pr\u00eate de l&rsquo;argent au client pour que celui-ci ach\u00e8te des actions ou d&rsquo;autres produits financiers. En termes simples, un compte sur marge vous permet d&#8217;emprunter des fonds pour effectuer une op\u00e9ration. Le taux d&rsquo;int\u00e9r\u00eat fluctue de fa\u00e7on p\u00e9riodique, et s&rsquo;il augmente, les co\u00fbts d&#8217;emprunt augmentent aussi. Ainsi, les clients doivent habituellement payer davantage pour emprunter sur la valeur de leurs placements existants.<\/p>\n\n\n\n<p>Les conseils en placement sont offerts par Fonds d&rsquo;investissement Royal Inc. (FIRI). FIRI, RBC Gestion mondiale d&rsquo;actifs Inc., la Banque Royale du Canada, la Soci\u00e9t\u00e9 Trust Royal du Canada et la Compagnie Trust Royal sont des entit\u00e9s juridiques distinctes et affili\u00e9es. FIRI est inscrit au Qu\u00e9bec en tant que cabinet de services financiers.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=L&rsquo;effet possible de la hausse des taux d&rsquo;int\u00e9r\u00eat sur vos placements &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/leffet-possible-de-la-hausse-des-taux-dinteret-sur-vos-placements\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/leffet-possible-de-la-hausse-des-taux-dinteret-sur-vos-placements\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-82c3958d-f008-412c-9947-550c82261c30\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/inflation\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Inflation<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune homme utilisant un ordinateur portable \u00e0 un bureau et regardant un calendrier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg 930w, 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