{"id":10328,"date":"2025-12-18T14:35:49","date_gmt":"2025-12-18T13:35:49","guid":{"rendered":"https:\/\/www.api.parlonsfinance.fr\/?p=10328"},"modified":"2025-12-18T14:40:05","modified_gmt":"2025-12-18T13:40:05","slug":"notre-epargne-sempile-mais-nous-nous-appauvrissons-aymeric-lang-erasmus-am","status":"publish","type":"post","link":"https:\/\/www.api.parlonsfinance.fr\/index.php\/2025\/12\/18\/notre-epargne-sempile-mais-nous-nous-appauvrissons-aymeric-lang-erasmus-am\/","title":{"rendered":"\u00ab\u00a0Notre \u00e9pargne s\u2019empile mais nous nous appauvrissons\u00a0\u00bb, Aymeric Lang (Erasmus AM)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Dans cet article, avec <a href=\"https:\/\/www.erasmusgestion.com\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Erasmus AM<\/a>, nous allons faire un \u00e9tat des lieux de l\u2019\u00e9pargne des Fran\u00e7ais et montrer le co\u00fbt d\u2019opportunit\u00e9 gigantesque qui d\u00e9coule de sa sous-optimisation.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La bonne nouvelle ? Nous avons une belle marge de progression.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>D\u2019excellents \u00e9pargnants, mais de pi\u00e8tres investisseurs<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u2019il y a bien un domaine dans lequel nous restons parmi les meilleurs mondiaux, c\u2019est sur notre capacit\u00e9 \u00e0 mettre de l\u2019argent de c\u00f4t\u00e9. <strong>18,7%<\/strong> <strong>de taux d\u2019\u00e9pargne<\/strong>, soit l<strong>e deuxi\u00e8me meilleur niveau en Europe<\/strong> derri\u00e8re l\u2019Allemagne (19,2%).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"650\" src=\"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8.png\" alt=\"\" class=\"wp-image-10329\" srcset=\"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8.png 855w, https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8-300x228.png 300w, https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8-768x584.png 768w\" sizes=\"auto, (max-width: 855px) 100vw, 855px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00e0 o\u00f9 le b\u00e2t blesse, c\u2019est dans notre utilisation de la partie financi\u00e8re de cette \u00e9pargne (hors immobilier).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelques chiffres et mise en perspective :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les placements financiers au total s\u2019\u00e9l\u00e8vent \u00e0 environ <strong>6 500 milliards d\u2019euros<\/strong><\/li>\n\n\n\n<li>Placements prudents : 3 710 milliards d\u2019euros (57 % du total) dont :\n<ul class=\"wp-block-list\">\n<li>D\u00e9p\u00f4ts et placement mon\u00e9taire : 2 150 milliards d\u2019euros (33% du total)<\/li>\n\n\n\n<li>Assurance-vie en euros : 1 560 milliards d\u2019euros (24% du total)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Placements en actions (cot\u00e9es et non cot\u00e9es) : 2 500 milliards d\u2019euros (38% du total)<\/li>\n\n\n\n<li>Autres (titres de cr\u00e9ances, fonds immobiliers) : 290 milliards (5% du total)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le constat est sans appel : <strong>plus de la moiti\u00e9 de notre \u00e9pargne est positionn\u00e9e sur des placements \u00e0 rendement vis\u00e9s en moyenne \u00e0 peine sup\u00e9rieurs \u00e0 l\u2019inflation.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e9cessaire pour faire face aux \u00e9ventuels coups durs ? Pas vraiment. Les conseillers financiers s\u2019accordent \u00e0 dire qu\u2019il faut garder \u00e0 disposition 3 \u00e0 6 mois de d\u00e9pense en \u00e9pargne s\u00e9curis\u00e9e. Un m\u00e9nage fran\u00e7ais d\u00e9pense en moyenne autour de 33 000 euros (chiffres INSEE corrig\u00e9s de l\u2019inflation). En prenant 6 mois de d\u00e9pense et 30 millions de m\u00e9nage, nous obtenons <strong>environ 500 milliards d\u2019euros \u00e0 garder en \u00e9pargne de pr\u00e9caution<\/strong>.&nbsp; Pas 3 710 milliards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais allons plus loin et comparons-nous \u00e0 notre voisin Am\u00e9ricain. En se basant sur les donn\u00e9es de march\u00e9, nous obtenons la r\u00e9partition suivante pour l\u2019\u00e9pargne aux <strong>Etats-Unis :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Placements prudents : 28%<\/li>\n\n\n\n<li>Placements en actions (cot\u00e9es et non cot\u00e9es) : 65%<\/li>\n\n\n\n<li>Autres : 7%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quasiment du simple au double.<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Maintenant, ajoutons un \u00e9l\u00e9ment suppl\u00e9mentaire : <strong>le rendement esp\u00e9r\u00e9 par classe d\u2019actifs<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En se basant sur les donn\u00e9es des 20 derni\u00e8res ann\u00e9es :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Placements prudents : environ 2% en moyenne\n<ul class=\"wp-block-list\">\n<li>Livret A : 1,5% par an<\/li>\n\n\n\n<li>Fonds euros : 3% par an<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Placements en actions : 8% par an (CAC 40 dividendes r\u00e9investis)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Soit un \u00e9cart de pr\u00e8s de 6% par an<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pas \u00e9tonnant que dans son rapport Mario Draghi constate que, depuis 2009, le patrimoine net des m\u00e9nages europ\u00e9ens n\u2019a progress\u00e9 \u201cque\u201d de <strong>55 %<\/strong>, contre <strong>151 %<\/strong> pour les m\u00e9nages am\u00e9ricains.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u201cFinance fiction\u201d<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Faisons l\u2019hypoth\u00e8se que nous devenions un pays d\u2019investisseurs. Sans aller jusqu\u2019\u00e0 l\u2019extr\u00eame am\u00e9ricain, imaginons que la part de notre \u00e9pargne investie en actions arrivait au niveau de nos voisins Su\u00e9dois, Italiens ou Belges, soit 55%.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"650\" src=\"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8.png\" alt=\"\" class=\"wp-image-10331\" srcset=\"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8.png 855w, https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8-300x228.png 300w, https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8-768x584.png 768w\" sizes=\"auto, (max-width: 855px) 100vw, 855px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant plac\u00e9 en actions passerait de 2 500 milliards d\u2019euros \u00e0 3 600 milliards d\u2019euros, avec un gain estim\u00e9 de pr\u00e8s de <strong>70 milliards d\u2019euros par an<\/strong> gr\u00e2ce aux 6% de performance suppl\u00e9mentaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour mettre ces <strong>70 milliards en perspective,<\/strong> le Think Tank Terra Nova estime qu\u2019il faudrait environ 100 milliards d\u2019euros (le fameux <strong>\u00ab effort de 3 \u00e0 4.000 euros par m\u00e9nage et par an \u00bb<\/strong>) pour stabiliser la dette fran\u00e7aise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autre effet b\u00e9n\u00e9fique d\u2019une \u00e9pargne plus optimis\u00e9e, le fameux <strong>effet richesse,<\/strong> particuli\u00e8rement moteur aux Etats-Unis : lorsque la richesse des m\u00e9nages s\u2019accro\u00eet, la consommation augmente encore plus rapidement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Les outils pour y parvenir<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que simplifi\u00e9e \u00e0 l\u2019extr\u00eame, cette analyse n\u2019est pas d\u00e9nu\u00e9e de sens : elle nous montre la marge de progression qui existe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019autant que nous disposons <strong>d\u2019excellents outils d\u2019investissements en France<\/strong>, \u00e0 travers l\u2019assurance vie, le PEA, le PEA-PME ou encore le PER, qui pr\u00e9sentent des avantages fiscaux (apr\u00e8s plusieurs ann\u00e9es) qui permettent de correctement faire travailler son \u00e9pargne dans le temps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais est-ce que nous les utilisons correctement ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le constat est implacable : nous n&rsquo;utilisons pas les bonnes enveloppes. Sur les <strong>3 300 milliards d&rsquo;euros <\/strong>plac\u00e9s par les Fran\u00e7ais, plus de 90 % dorment sur de l&rsquo;\u00e9pargne r\u00e9glement\u00e9e ou de l&rsquo;assurance-vie, majoritairement en fonds euros.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"650\" src=\"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8.png\" alt=\"\" class=\"wp-image-10330\" srcset=\"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8.png 855w, https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8-300x228.png 300w, https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/12\/image-8-768x584.png 768w\" sizes=\"auto, (max-width: 855px) 100vw, 855px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;anomalie est frappante : le <strong>PEA<\/strong>, pourtant le meilleur alli\u00e9 de l&rsquo;investisseur long terme, ne repr\u00e9sente qu&rsquo;une miette du g\u00e2teau (3,6 %) et encore pire pour le <strong>PEA-PME<\/strong> qui repr\u00e9sente seulement (0,1%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finalement, l&rsquo;\u00e9pargne r\u00e9ellement productive d\u00e9passe \u00e0 peine le quart des encours. Ce d\u00e9s\u00e9quilibre est le fruit d&rsquo;un manque d&rsquo;\u00e9ducation financi\u00e8re et d&rsquo;une peur irrationnelle des march\u00e9s qu&rsquo;il faut absolument d\u00e9construire aujourd&rsquo;hui.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le PEA \u2013 PME : Oui avec de bons moteurs de performance<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nous venons de le voir, le PEA-PME est un \u00e9chec total depuis son lancement, avec \u00e0 peine 3 milliards d\u2019euros de collecte. Pourtant, il ne manque pas d\u2019int\u00e9r\u00eat et il a r\u00e9cemment \u00e9t\u00e9 assoupli.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce petit fr\u00e8re du PEA a \u00e9t\u00e9 lanc\u00e9 pour pouvoir investir dans les petites entreprises europ\u00e9ennes, les poumons de l\u2019activit\u00e9 \u00e9conomique. Il est plafonn\u00e9 \u00e0 225 000 euros depuis la loi Pacte et, comme son grand fr\u00e8re, apr\u00e8s 5 ans de d\u00e9tention, l&rsquo;imposition sur la plus-value se limite aux pr\u00e9l\u00e8vements sociaux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans notre gamme de fonds, <strong>le fonds EDL 2030<\/strong> s\u2019int\u00e8gre parfaitement sur cette enveloppe :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Il est compos\u00e9 d\u2019actifs \u00e9ligibles ELTIF* (<em>Micro &amp; Small caps Europ\u00e9ennes cot\u00e9es<\/em>)<\/li>\n\n\n\n<li>Il va exploiter \u00e0 100% le potentiel de croissance de la classe d\u2019actif dans les 5 ann\u00e9es \u00e0 venir<\/li>\n\n\n\n<li>Il est actuellement ouvert \u00e0 la souscription, et fermera cet \u00e9t\u00e9. La date de fin de vie du fonds est fix\u00e9e au 31\/12\/2030 soit 5 ans de d\u00e9tention.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c0 bient\u00f4t,<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.linkedin.com\/in\/aymeric-lang-cfa-a5383837\/\" target=\"_blank\" rel=\"noopener\" title=\"\"><em>Aymeric LANG CFA &#8211; Directeur de la gestion Erasmus AM<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans cet article, avec Erasmus AM, nous allons faire un \u00e9tat des lieux de l\u2019\u00e9pargne des Fran\u00e7ais et montrer le co\u00fbt d\u2019opportunit\u00e9 gigantesque qui d\u00e9coule de sa sous-optimisation. La bonne nouvelle ? Nous avons une belle marge de progression. D\u2019excellents \u00e9pargnants, mais de pi\u00e8tres investisseurs S\u2019il y a bien un domaine dans lequel nous restons [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5939,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13,793,813,4],"tags":[835,10,6,768,49,5,32,121,77,23,796],"class_list":["post-10328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banque-finance","category-highlighted","category-interviews","category-nos-analyses","tag-asset","tag-bourse","tag-economie","tag-epargne-2","tag-europe","tag-finance","tag-france","tag-immobilier","tag-inflation","tag-investissement","tag-placement"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Dans cet article, avec Erasmus AM, nous allons faire un \u00e9tat des lieux de l\u2019\u00e9pargne des Fran\u00e7ais et montrer le co\u00fbt d\u2019opportunit\u00e9 gigantesque qui d\u00e9coule de sa sous-optimisation. La bonne nouvelle ? Nous avons une belle marge de progression. 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D\u2019excellents \u00e9pargnants, mais de pi\u00e8tres investisseurs S\u2019il y a bien un domaine dans lequel nous restons","twitter:creator":"@parlons_finance","twitter:image":"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/03\/DSC9101-1-scaled.jpg"},"aioseo_meta_data":{"post_id":"10328","title":"#post_title","description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":"#post_title","og_description":"#post_excerpt","og_object_type":"default","og_image_type":"custom_image","og_image_url":"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/03\/DSC9101-1-scaled.jpg","og_image_width":"0","og_image_height":"0","og_image_custom_url":"https:\/\/www.api.parlonsfinance.fr\/wp-content\/uploads\/2025\/03\/DSC9101-1-scaled.jpg","og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":true,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2025-12-18 13:35:51","updated":"2025-12-18 13:53:26","seo_analyzer_scan_date":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.api.parlonsfinance.fr\/\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.api.parlonsfinance.fr\/index.php\/category\/nos-analyses\/\" title=\"Nos analyses\">Nos analyses<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t\u00ab Notre \u00e9pargne s\u2019empile mais nous nous appauvrissons \u00bb, Aymeric Lang (Erasmus AM)\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.api.parlonsfinance.fr\/"},{"label":"Nos analyses","link":"https:\/\/www.api.parlonsfinance.fr\/index.php\/category\/nos-analyses\/"},{"label":"\u00ab\u00a0Notre \u00e9pargne s\u2019empile mais nous nous appauvrissons\u00a0\u00bb, Aymeric Lang (Erasmus AM)","link":"https:\/\/www.api.parlonsfinance.fr\/index.php\/2025\/12\/18\/notre-epargne-sempile-mais-nous-nous-appauvrissons-aymeric-lang-erasmus-am\/"}],"_links":{"self":[{"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/posts\/10328","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/comments?post=10328"}],"version-history":[{"count":3,"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/posts\/10328\/revisions"}],"predecessor-version":[{"id":10335,"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/posts\/10328\/revisions\/10335"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/media\/5939"}],"wp:attachment":[{"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/media?parent=10328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/categories?post=10328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.api.parlonsfinance.fr\/index.php\/wp-json\/wp\/v2\/tags?post=10328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}