{"id":6914,"date":"2022-10-07T00:00:00","date_gmt":"2022-10-07T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/placements\/labc-des-placements\/comprehension-de-la-diversification-et-raisons-pour-lesquelles-les-investisseurs-avises-y-ont-recours\/"},"modified":"2024-03-01T18:51:17","modified_gmt":"2024-03-01T18:51:17","slug":"comprehension-de-la-diversification-et-raisons-pour-lesquelles-les-investisseurs-avises-y-ont-recours","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/comprehension-de-la-diversification-et-raisons-pour-lesquelles-les-investisseurs-avises-y-ont-recours\/","title":{"rendered":"Compr\u00e9hension de la diversification et raisons pour lesquelles les investisseurs avis\u00e9s y ont recours"},"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\/services-bancaires-services-bancaires-numeriques\/\">\n\t\t\t\t\t\t\t<span>Services bancaires\/services bancaires num\u00e9riques<\/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\">Compr\u00e9hension de la diversification et raisons pour lesquelles les investisseurs avis\u00e9s y ont recours<\/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=\"1024\" height=\"476\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/BD-PSI-2-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/BD-PSI-2-1.jpg 2310w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/BD-PSI-2-1.jpg?resize=300,139 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/BD-PSI-2-1.jpg?resize=768,357 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/BD-PSI-2-1.jpg?resize=1024,476 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/BD-PSI-2-1.jpg?resize=1536,714 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/BD-PSI-2-1.jpg?resize=2048,952 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=Compr\u00e9hension de la diversification et raisons pour lesquelles les investisseurs avis\u00e9s y ont recours &#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\/comprehension-de-la-diversification-et-raisons-pour-lesquelles-les-investisseurs-avises-y-ont-recours\/\">\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\/comprehension-de-la-diversification-et-raisons-pour-lesquelles-les-investisseurs-avises-y-ont-recours\/\">\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 7 octobre 2022 \u2022 3 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>La diversification consiste \u00e0 d\u00e9tenir divers types de placements en portefeuille. Les entreprises, les secteurs et les r\u00e9gions g\u00e9ographiques \u00e9voluent selon diff\u00e9rents cycles de croissance \u00e9conomique, souvent de mani\u00e8re impr\u00e9visible. Il est donc pr\u00e9f\u00e9rable de diversifier votre portefeuille pour vous aider \u00e0 surmonter ces fluctuations. En d&rsquo;autres termes, les actifs dont la valeur augmente peuvent compenser ceux dont la valeur diminue. Vous pouvez ainsi r\u00e9duire le risque global de votre portefeuille et stabiliser vos rendements au fil du temps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principaux points \u00e0 retenir<\/h2>\n\n\n\n<p>Imaginez que vous soyez propri\u00e9taire d&rsquo;un camion de cuisine de rue : que se passerait-il si vous ne vendiez qu&rsquo;un seul produit provenant d&rsquo;un seul fournisseur ? Votre d\u00e9licieuse collation se vend peut-\u00eatre bien quelques jours, mais que faites-vous si les livraisons ont du retard ou si votre fournisseur cesse ses activit\u00e9s ? Il se peut que l&rsquo;ingr\u00e9dient principal de votre produit fasse l&rsquo;objet d&rsquo;un rapport scientifique n\u00e9gatif inattendu ou qu&rsquo;il soit tout \u00e0 coup interdit. En disposant d&rsquo;une vari\u00e9t\u00e9 de \u00ab collations \u00bb (placements) dans votre portefeuille, vous \u00eates mieux pr\u00e9par\u00e9 \u00e0 faire face aux fluctuations du march\u00e9.<\/p>\n\n\n\n<p>Alors, quels types de placements devraient figurer dans la composition de votre portefeuille ? La composition ad\u00e9quate des cat\u00e9gories d&rsquo;actifs de base, \u00e0 savoir les liquidit\u00e9s, les titres \u00e0 revenu fixe et les actions (votre <u><a href=\"https:\/\/www6.royalbank.com\/fr\/di\/hubs\/investing-academy\/chapter\/asset-mix-explained\/jvviy2iq\/jvviy2il\" target=\"_blank\" rel=\"noopener\">r\u00e9partition de l&rsquo;actif<\/a><\/u>), d\u00e9pendra de votre objectif de placement et d&rsquo;autres facteurs tels que votre horizon temporel et votre tol\u00e9rance au risque.<\/p>\n\n\n\n<p>Les <b>placements en liquidit\u00e9s ou \u00e9quivalents<\/b> peuvent constituer une base stable pour votre portefeuille et vous permettre d&rsquo;acc\u00e9der facilement \u00e0 des liquidit\u00e9s \u00e0 court terme. L&rsquo;un des inconv\u00e9nients potentiels r\u00e9side dans le fait que les rendements risquent de ne pas compenser l&rsquo;inflation.<\/p>\n\n\n\n<p>Les <b>placements en titres \u00e0 revenu fixe<\/b> produisent des revenus et peuvent apporter une certaine stabilit\u00e9 \u00e0 votre portefeuille. Cependant, ils peuvent \u00eatre sensibles aux fluctuations des taux d&rsquo;int\u00e9r\u00eat. Pour en savoir plus, consultez <i><u><a href=\"https:\/\/www6.royalbank.com\/fr\/di\/hubs\/investing-academy\/chapter\/fixed-income-basics\/kbs73dhv\/kbs73dif\" target=\"_blank\" rel=\"noopener\">Titres \u00e0 revenu fixe : notions de base<\/a><\/u><\/i>.<\/p>\n\n\n\n<p>Les <b>placements en actions<\/b> offrent les meilleures possibilit\u00e9s au chapitre de la croissance \u00e0 long terme, mais le risque est aussi plus \u00e9lev\u00e9. Pour en savoir plus, consultez <i><u><a href=\"https:\/\/www6.royalbank.com\/fr\/di\/hubs\/investing-academy\/chapter\/risk-v-return-stocks\/jv7atfdi\/jv7atfeo\" target=\"_blank\" rel=\"noopener\">Actions : comprendre le lien entre risque et rendement<\/a><\/u><\/i>.<\/p>\n\n\n\n<p>Bien qu&rsquo;il importe de tenir compte de ces trois cat\u00e9gories d&rsquo;actifs, vous pouvez \u00e9galement diversifier vos placements par d&rsquo;autres moyens. Points \u00e0 prendre en compte : diversification g\u00e9ographique (acc\u00e8s \u00e0 des occasions de placement sans \u00e9quivalent au Canada [ou en Am\u00e9rique du Nord] et non concentration des actifs dans un seul pays ou une seule r\u00e9gion) ; placements alternatifs (notamment placements en m\u00e9taux pr\u00e9cieux ou en soci\u00e9t\u00e9s de placement immobilier [SPI], qui n&rsquo;ont pas tendance \u00e0 \u00e9voluer de la m\u00eame fa\u00e7on et au m\u00eame moment que les autres march\u00e9s) ; secteur \u00e9conomique (att\u00e9nuation du risque de recul dans un secteur particulier) ; nombre et concentration des avoirs (diversification des placements et r\u00e9duction de la concentration dans un seul placement pour r\u00e9duire l&rsquo;exposition au risque).<\/p>\n\n\n\n<p>La diversification est une excellente strat\u00e9gie qui permet d&rsquo;\u00e9quilibrer votre portefeuille et de vous prot\u00e9ger contre les in\u00e9vitables fluctuations du march\u00e9 et de l&rsquo;\u00e9conomie.<\/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., Banque Royale du Canada, Soci\u00e9t\u00e9 Trust Royal du Canada et Compagnie Trust Royal sont des entit\u00e9s juridiques distinctes et affili\u00e9es. FIRI est inscrite 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=Compr\u00e9hension de la diversification et raisons pour lesquelles les investisseurs avis\u00e9s y ont recours &#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\/comprehension-de-la-diversification-et-raisons-pour-lesquelles-les-investisseurs-avises-y-ont-recours\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d4d2db5f-2180-4781-b565-90bfbc77ca5f\" 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\/actions\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Actions<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/fnb\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">FNB<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/fonds-communs-de-placement\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Fonds communs de placement<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/services-bancaires-services-bancaires-numeriques\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Services bancaires\/services bancaires num\u00e9riques<\/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\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" 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src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une jeune femme plong\u00e9e dans ses pens\u00e9es\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1536,1024 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https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1536,1009 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=2048,1345 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 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