{"id":23986,"date":"2022-12-28T00:00:00","date_gmt":"2022-12-28T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=23986"},"modified":"2024-02-13T13:36:49","modified_gmt":"2024-02-13T13:36:49","slug":"ce-que-veut-vraiment-dire-se-payer-en-premier","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/ce-que-veut-vraiment-dire-se-payer-en-premier\/","title":{"rendered":"Ce que veut vraiment dire \u00ab se payer en premier \u00bb"},"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\/question-de-la-semaine\/\">\n\t\t\t\t\t\t\t<span>Question de la Semaine<\/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\">Ce que veut vraiment dire \u00ab se payer en premier \u00bb<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By l\u2019\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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/10\/iStock-1339956397.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/10\/iStock-1339956397.jpg 4000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/10\/iStock-1339956397.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/10\/iStock-1339956397.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/10\/iStock-1339956397.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/10\/iStock-1339956397.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/10\/iStock-1339956397.jpg?resize=2048,1366 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=Ce que veut vraiment dire \u00ab se payer en premier \u00bb &#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\/academie-des-placements\/ce-que-veut-vraiment-dire-se-payer-en-premier\/\">\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\/academie-des-placements\/ce-que-veut-vraiment-dire-se-payer-en-premier\/\">\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 28 d\u00e9cembre 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>Lorsqu\u2019un avion est en pilote automatique, cela ne veut pas dire qu\u2019il vole tout seul, mais qu\u2019il est programm\u00e9 pour maintenir son cap ou son altitude pendant que le pilote se concentre sur d\u2019autres d\u00e9tails de la navigation.<\/p>\n\n\n\n<p>L\u2019id\u00e9e peut s\u2019appliquer \u00e0 l\u2019\u00e9pargne et aux placements. Si vous configurez des versements automatiques pr\u00e9autoris\u00e9s dans un compte de placement ou d\u2019\u00e9pargne selon un calendrier \u00e9tabli, vous n\u2019avez plus besoin de vous en soucier par la suite. Tout comme le pilote de l\u2019avion, vous pouvez atteindre vos objectifs en produisant moins d\u2019effort au quotidien, ce qui vous laisse du temps et de l\u2019\u00e9nergie pour vous concentrer sur d\u2019autres choses.<\/p>\n\n\n\n<p>Le r\u00e9gime de cotisations pr\u00e9autoris\u00e9es, aussi appel\u00e9 CPA, permet de verser une cotisation automatique \u00e0 un compte de votre choix, en g\u00e9n\u00e9ral votre REER, CELI, REEE ou un autre compte de placement. La cotisation provient habituellement de votre compte de ch\u00e8ques ou d\u2019\u00e9pargne. Une fois que la configuration est pr\u00eate, les fonds sont transf\u00e9r\u00e9s sans effort suppl\u00e9mentaire : nul besoin de se souvenir, de cliquer ou de faire quoi que ce soit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quels sont les avantages d\u2019un CPA ? Vous pouvez :<\/h2>\n\n\n\n<p><strong>1. Prendre le contr\u00f4le et lib\u00e9rer du temps<\/strong><\/p>\n\n\n\n<p>Tous les aspects du CPA sont sous votre contr\u00f4le, de la fr\u00e9quence de vos cotisations (vous pouvez choisir des cotisations hebdomadaires, aux quinzaines, mensuelles ou trimestrielles) au montant de vos cotisations (vous pouvez les r\u00e9duire ou les augmenter en tout temps). Vous pouvez \u00e9galement arr\u00eater et red\u00e9marrer votre CPA en fonction de vos besoins, sans craindre d\u2019\u00eatre \u00ab prisonnier \u00bb d\u2019un r\u00e9gime.<\/p>\n\n\n\n<p>L\u2019\u00e9norme avantage du CPA est qu\u2019il permet de r\u00e9duire le stress et l\u2019effort associ\u00e9s \u00e0 l\u2019\u00e9pargne. Admettons-le, il est facile d\u2019oublier de mettre de l\u2019argent de c\u00f4t\u00e9 lorsque la paie arrive \u00e0 notre compte. Le CPA est comme un assistant d\u2019\u00e9pargne qui vous aide personnellement \u00e0 garder le cap sur vos objectifs.<\/p>\n\n\n\n<p><strong>2. Atteindre vos objectifs plus rapidement<\/strong><\/p>\n\n\n\n<p>L\u2019avantage le plus remarquable d\u2019un CPA est qu\u2019il vous aide \u00e0 atteindre vos objectifs d\u2019\u00e9pargne plus rapidement. Le fait d\u2019\u00e9pargner au moyen de cotisations p\u00e9riodiques signifie que vous gagnez de l\u2019argent sur votre d\u00e9p\u00f4t initial ET sur l\u2019argent d\u00e9riv\u00e9 de votre revenu, gr\u00e2ce \u00e0 la puissance du revenu compos\u00e9. C\u2019est syst\u00e9matiquement le cas, quel que soit le montant de votre cotisation r\u00e9guli\u00e8re.<\/p>\n\n\n\n<p><strong>3. R\u00e9duire vos risques<\/strong><\/p>\n\n\n\n<p>Le CPA permet \u00e9galement de tirer parti de la m\u00e9thode des&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/achats-periodiques-par-sommes-fixes-ce-que-cest-et-comment-en-tirer-parti\/\" data-dig-id=\"LP-23986-3e6691f4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"achats p\u00e9riodiques par sommes fixes\" class=\"rbc-link-format\">achats p\u00e9riodiques par sommes fixes<\/a>, une strat\u00e9gie de placement simple permettant de r\u00e9duire le risque associ\u00e9 aux tentatives d\u2019anticiper le march\u00e9. En versant r\u00e9guli\u00e8rement un montant fixe \u00e0 votre fonds de placement (disons 25 $ par mois), vous paierez peut-\u00eatre vos placements plus cher pendant certains mois (lorsque les march\u00e9s seront en hausse) et moins cher \u00e0 d\u2019autres moments (lorsque les march\u00e9s seront en baisse). Dans l\u2019ensemble, cependant, le co\u00fbt total s\u2019av\u00e9rera inf\u00e9rieur \u00e0 celui que g\u00e9n\u00e9rerait le placement d\u2019une somme unique.<\/p>\n\n\n\n<p>Les professionnels de la finance rappellent que de mani\u00e8re g\u00e9n\u00e9rale, les gens affectent leur argent au paiement des factures, aux loisirs, puis \u00e0 l\u2019\u00e9pargne \u2013 dans cet ordre. Le CPA vous aide \u00e0 donner la priorit\u00e9 \u00e0 l\u2019\u00e9pargne, tout en conservant des fonds discr\u00e9tionnaires pour vos loisirs.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default default has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center\">Faites fructifier votre argent automatiquement et sans effort.<\/h3>\n\n\n\n<p class=\"has-text-align-center\">\u00c9tablir des cotisations pr\u00e9autoris\u00e9es.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-primary primary btn before learn-more-icon\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/fr\/modes-dacces\/tutoriels\/placement-en-ligne\/etablissement-cotisations-preautorisees.html\" data-dig-id=\"LP-23986-73c9ec7b\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Commencer-https:\/\/www.rbcroyalbank.com\/fr\/modes-dacces\/tutoriels\/placement-en-ligne\/etablissement-cotisations-preautorisees.html \">Commencer<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Voir un CPA \u00e0 l\u2019\u0153uvre<\/h4>\n\n\n\n<p>Vous voulez voir un CPA \u00e0 l\u2019\u0153uvre ? Essayez cette&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/placements\/celi\/celi-calculateur.html\" data-dig-id=\"LP-23986-7c051c1e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"calculatrice&nbsp;\" class=\"rbc-link-format\">calculatrice&nbsp;<\/a>des cotisations pr\u00e9autoris\u00e9es pour voir comment le fait d\u2019\u00e9pargner r\u00e9guli\u00e8rement peut vous aider \u00e0 atteindre vos objectifs. Vous pouvez calculer \u00e0 quelle vitesse votre \u00e9pargne pourrait fructifier \u00e0 l\u2019aide de cotisations r\u00e9guli\u00e8res, ou encore combien vous devez \u00e9pargner pour atteindre un objectif.<\/p>\n\n\n\n<p>Par exemple, imaginez que vous comptez acheter votre premi\u00e8re maison dans un avenir pas trop lointain, disons dans trois ans, et que vous devrez disposer de 20 000 $ pour votre mise de fonds. Dans la calculatrice, entrez quelques renseignements simples comme votre lieu de r\u00e9sidence et votre revenu annuel. Choisissez le montant et la fr\u00e9quence de vos cotisations (les versements aux quinzaines sont souvent retenus, mais vous pouvez choisir l\u2019option qui vous convient le mieux), ainsi que le taux de rendement annuel que vous attendez. \u00c0 l\u2019aide de ces renseignements, la calculatrice vous indique le montant que vous devrez mettre de c\u00f4t\u00e9 pour atteindre votre objectif. Dans ce cas, avec des versements aux quinzaines et un rendement de 5 %, il faudrait cotiser 238 $ toutes les deux semaines.* Vous verrez \u00e9galement la croissance de vos cotisations et de vos rendements cumulatifs au fil du temps.<\/p>\n\n\n\n<p>Si nous entendons souvent qu\u2019il faut \u00ab nous payer en premier \u00bb, c\u2019est pour une bonne raison. C\u2019est une r\u00e8gle d\u2019or de l\u2019\u00e9pargne parce que \u00e7a marche. Si nous prenons l\u2019habitude de nous payer en premier, l\u2019\u00e9pargne devient un r\u00e9flexe aussi automatique que la respiration. Et il est beaucoup plus facile de respirer quand nous savons que nous constituons un bas de laine en vue d\u2019atteindre nos objectifs.<\/p>\n\n\n\n<p>*Les r\u00e9sultats de la calculatrice sont seulement des estimations g\u00e9n\u00e9rales fournies \u00e0 titre indicatif.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse72ccfa9d\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse72ccfa9d\" data-dig-id=\"LP-23986-72ccfa9d\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"D\u00e9nis de responsabilit\u00e9\"><div>D\u00e9nis de responsabilit\u00e9<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse72ccfa9d\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Les conseils en placement sont offerts par Fonds d\u2019investissement Royal Inc. (FIRI). FIRI, RBC Gestion mondiale d\u2019actifs 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<\/div>\n<\/div><\/div>\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=Ce que veut vraiment dire \u00ab se payer en premier \u00bb &#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\/academie-des-placements\/ce-que-veut-vraiment-dire-se-payer-en-premier\/\">\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\/academie-des-placements\/ce-que-veut-vraiment-dire-se-payer-en-premier\/\">\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-3c6dd5cf-029b-4846-9c88-5c846bfee3db\" 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\/question-de-la-semaine\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Question de la Semaine<\/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, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TDD-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" 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Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-3c6dd5cf-029b-4846-9c88-5c846bfee3db {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-3c6dd5cf-029b-4846-9c88-5c846bfee3db {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Automatisez votre \u00e9pargne afin de lib\u00e9rer du temps pour les choses que vous aimez.<\/p>\n","protected":false},"author":80,"featured_media":23984,"parent":7089,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[327],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[265,169],"class_list":["post-23986","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-question-de-la-semaine","rbc_content_type-article","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-academie-des-placements","rbc_mmm_category-investisseur-inspire"],"acf":{"contently_publication_id":"344470","custom_author":"l\u2019\u00e9quipe Investisseur 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