{"id":6975,"date":"2023-03-01T00:00:00","date_gmt":"2023-03-01T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/le-temps-dacheter-des-obligations-voici-les-avis-des-experts\/"},"modified":"2024-03-05T15:59:36","modified_gmt":"2024-03-05T15:59:36","slug":"le-temps-dacheter-des-obligations-voici-les-avis-des-experts","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/idees-et-motivation\/le-temps-dacheter-des-obligations-voici-les-avis-des-experts\/","title":{"rendered":"Le temps d&rsquo;acheter des obligations ? Voici les avis des experts"},"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\/finances-personnelles\/\">\n\t\t\t\t\t\t\t<span>Finances personnelles<\/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\">Le temps d&rsquo;acheter des obligations ? Voici les avis des experts<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC Gestion mondiale d&#039;actifs<\/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-2023-03-01T143224.321.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Homme lisant une feuille de papier devant un ordinateur portable allum\u00e9.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-01T143224.321.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-01T143224.321.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-01T143224.321.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=Le temps d&rsquo;acheter des obligations ? Voici les avis des experts &#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\/le-temps-dacheter-des-obligations-voici-les-avis-des-experts\/\">\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\/le-temps-dacheter-des-obligations-voici-les-avis-des-experts\/\">\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 1 mars 2023 \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>Les banques centrales des pays d\u00e9velopp\u00e9s ont \u00e9t\u00e9 actives ces derniers temps, \u00e0 tel point qu&rsquo;il pourrait \u00eatre difficile de suivre le rythme. Voici un r\u00e9sum\u00e9 de quelques-unes des d\u00e9cisions strat\u00e9giques prises par les grandes banques centrales.<\/p>\n\n\n\n<p>Voici un r\u00e9sum\u00e9 des d\u00e9cisions strat\u00e9giques prises par certaines grandes banques centrales.<\/p>\n\n\n\n<p>La Banque du Canada a hauss\u00e9 les taux de 25 pb pour les porter \u00e0 4,5 % et a indiqu\u00e9 qu&rsquo;elle prendra probablement une pause pour l&rsquo;instant.<\/p>\n\n\n\n<p>La Fed a relev\u00e9 les taux de 25 pb pour les situer dans une fourchette cible de 4,5 % \u00e0 4,75 %. Les d\u00e9cideurs estiment qu&rsquo;ils s&rsquo;approchent de la fin du pr\u00e9sent cycle de rel\u00e8vement des taux, mais ils pr\u00e9voient d\u00e9cr\u00e9ter au moins deux autres hausses avant d&rsquo;y parvenir.<\/p>\n\n\n\n<p>La Banque d&rsquo;Angleterre et la Banque centrale europ\u00e9enne (BCE) ont toutes deux relev\u00e9 les taux de 50 pb, mais les messages qu&rsquo;elles ont livr\u00e9s par la suite ont \u00e9t\u00e9 diff\u00e9rents. La Banque d&rsquo;Angleterre a indiqu\u00e9 qu&rsquo;elle avait presque termin\u00e9 son resserrement, tandis que la pr\u00e9sidente de la BCE, Christine Lagarde, a dit qu&rsquo;il y a \u00ab encore du chemin \u00e0 parcourir \u00bb et que \u00ab ce n&rsquo;est pas fini \u00bb.<\/p>\n\n\n\n<p>Bien que, dans le cas du Canada, les hausses de taux semblent \u00eatre termin\u00e9es, d&rsquo;autres banques centrales ont manifestement encore du travail \u00e0 faire. Toutefois, la plupart des banques centrales qui poursuivront le rel\u00e8vement des taux pourraient \u00eatre en mesure de le faire \u00e0 un rythme plus lent et finir par marquer une pause plus tard cette ann\u00e9e. Cette \u00e9volution a d&rsquo;importantes r\u00e9percussions sur les march\u00e9s des titres \u00e0 revenu fixe, \u00e9tant donn\u00e9 que les interventions \u00e9nergiques des banques centrales ont \u00e9t\u00e9 un facteur cl\u00e9 de la volatilit\u00e9 en 2022.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les obligations ont tendance \u00e0 se redresser avant le sommet des taux d&rsquo;int\u00e9r\u00eat<\/h2>\n\n\n\n<p>Nous avons donc pens\u00e9 examiner le rendement des march\u00e9s des titres \u00e0 revenu fixe avant et apr\u00e8s le sommet du taux des fonds f\u00e9d\u00e9raux lors des cycles de hausse ant\u00e9rieurs. Le graphique ci-dessous pr\u00e9sente le rendement des obligations am\u00e9ricaines de cat\u00e9gorie investissement au cours des cinq derni\u00e8res p\u00e9riodes de plafonnement des taux des fonds f\u00e9d\u00e9raux. Ces p\u00e9riodes sont illustr\u00e9es par les lignes pointill\u00e9es, tandis que la ligne noire pleine repr\u00e9sente le rendement moyen.<br><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18794\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Chart_FR.png\" alt=\"Rendement de l'indice FTSE US GBI 6 mois avant et 12 mois apr\u00e8s le sommet du taux des fonds f\u00e9d\u00e9raux.\" width=\"1097\" height=\"639\"><\/p>\n\n\n\n<p>Sources : Bloomberg, RBC GMA. Rendement de l&rsquo;indice FTSE US GBI 6 mois avant et 12 mois apr\u00e8s le sommet du taux des fonds f\u00e9d\u00e9raux.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Voici quelques donn\u00e9es importantes et points \u00e0 retenir :<\/h2>\n\n\n\n<p>Il n&rsquo;est pas n\u00e9cessaire que le taux des fonds f\u00e9d\u00e9raux atteigne son sommet pour que les obligations commencent \u00e0 se redresser. En moyenne, au cours des six mois qui ont pr\u00e9c\u00e9d\u00e9 le sommet du taux des fonds f\u00e9d\u00e9raux, les obligations ont inscrit un rendement de 3,7 %.<\/p>\n\n\n\n<p>La p\u00e9riode qui suit le sommet du taux des fonds f\u00e9d\u00e9raux est habituellement favorable aux obligations. Au cours des douze mois qui ont suivi le sommet du taux des fonds f\u00e9d\u00e9raux, les obligations ont d\u00e9gag\u00e9 un rendement moyen de 7,5 %.<\/p>\n\n\n\n<p>Tout le monde sait que les march\u00e9s des titres \u00e0 revenu fixe sont tourn\u00e9s vers l&rsquo;avenir ; ils peuvent regarder au-del\u00e0 des d\u00e9cisions actuelles des banques centrales et tenir compte de ce qui s&rsquo;en vient dans les prochains mois. Aux \u00c9tats-Unis, le march\u00e9 tient actuellement compte d&rsquo;un plafonnement du taux des fonds f\u00e9d\u00e9raux d&rsquo;ici l&rsquo;\u00e9t\u00e9 prochain, soit dans environ cinq \u00e0 six mois.<\/p>\n\n\n\n<p>Un rebond des march\u00e9s des titres \u00e0 revenu fixe a d\u00e9j\u00e0 commenc\u00e9 \u00e0 \u00eatre observ\u00e9, alors que les craintes d&rsquo;inflation se sont apais\u00e9es et que les investisseurs soup\u00e8sent la probabilit\u00e9 d&rsquo;une r\u00e9cession.<\/p>\n\n\n\n<p>Les banques centrales ont fait du bon travail en \u00e9tablissant les taux d&rsquo;int\u00e9r\u00eat aux niveaux n\u00e9cessaires pour temp\u00e9rer l&rsquo;inflation et nos mod\u00e8les sugg\u00e8rent maintenant que l&rsquo;\u00e9cart entre le niveau actuel des taux d&rsquo;int\u00e9r\u00eat et celui qu&rsquo;ils devraient atteindre a consid\u00e9rablement diminu\u00e9. Parall\u00e8lement, la trajectoire future de l&rsquo;inflation n&rsquo;est gu\u00e8re assur\u00e9e, et certaines banques centrales ont encore des hausses de taux \u00e0 faire. Toutefois, comme on l&rsquo;a vu par le pass\u00e9, cela ne signifie pas que les rendements des obligations doivent rester n\u00e9gatifs jusqu&rsquo;\u00e0 ce que le gros du travail soit accompli.<\/p>\n\n\n\n<p>Les obligations offrent maintenant leur potentiel de rendement le plus attrayant depuis l&rsquo;\u00e9mergence de la crise financi\u00e8re mondiale, d&rsquo;autant plus que l&rsquo;inflation s&rsquo;apaise et que l&rsquo;activit\u00e9 \u00e9conomique ralentit. Au cours de la prochaine ann\u00e9e, les hausses de taux de la derni\u00e8re ann\u00e9e devraient se faire sentir pleinement et les rendements obligataires pourraient \u00eatre bonifi\u00e9s dans le cas probable o\u00f9 la plupart des \u00e9conomies des pays d\u00e9velopp\u00e9s tomberaient en r\u00e9cession. Les obligations d&rsquo;\u00c9tat et de grande qualit\u00e9 devraient en tirer profit, compte tenu de l&rsquo;ampleur de la liquidation les ayant touch\u00e9es.<\/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=Le temps d&rsquo;acheter des obligations ? Voici les avis des experts &#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\/le-temps-dacheter-des-obligations-voici-les-avis-des-experts\/\">\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\/le-temps-dacheter-des-obligations-voici-les-avis-des-experts\/\">\n          <img decoding=\"async\"\n            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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\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/\">\n\t\t\t\t\t\tAcad\u00e9mie des placements\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/investisseur-inspire\/academie-des-placements\/planification-reer-de-derniere-minute-date-limite-plafonds-et-plus\/\" class=\"card-title h4 mar-t-0\">Guide des plafonds et des d\u00e9lais de cotisation \u00e0 un REER<\/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\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=\"1024\" height=\"683\" 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 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href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/plan-financier-2026-adaptation-de-votre-budget-de-votre-emprunt-et-de-vos-placements-a-vos-objectifs\/\" class=\"card-title h4 mar-t-0\">Plan financier 2026\u00a0: guide de l\u2019endettement, de l\u2019\u00e9tablissement d\u2019un budget et des placements au 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-774c0463-b208-4182-8a88-21739f2886c1 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-774c0463-b208-4182-8a88-21739f2886c1 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Selon RBC GMA, les obligations \u00ab offrent maintenant leur potentiel de 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