{"id":716,"date":"2024-10-16T15:10:42","date_gmt":"2024-10-16T13:10:42","guid":{"rendered":"https:\/\/map-dev.ch\/cornamusaz-backup\/?p=716"},"modified":"2024-10-18T10:27:40","modified_gmt":"2024-10-18T08:27:40","slug":"716","status":"publish","type":"post","link":"https:\/\/map-dev.ch\/cornamusaz-backup\/blog\/716\/","title":{"rendered":"Allocation d’actifs dans le portefeuille bancaire \u2013 exemple concret \u00ab croissance \u00bb"},"content":{"rendered":"

[vc_row full_width=\u00a0\u00bbstretch_row_content_no_spaces\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1541752623167{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\u00a0\u00bb el_class=\u00a0\u00bbover9000″][vc_column css_animation=\u00a0\u00bbfadeIn\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1538988133798{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}\u00a0\u00bb][vc_single_image image=\u00a0\u00bb63″ img_size=\u00a0\u00bbfull\u00a0\u00bb][\/vc_column][\/vc_row][vc_row css_animation=\u00a0\u00bbfadeInLeft\u00a0\u00bb][vc_column width=\u00a0\u00bb2\/3″][vc_column_text css=\u00a0\u00bb.vc_custom_1729234355478{margin-bottom: 20px !important;}\u00a0\u00bb]<\/p>\n

Allocation d’actifs dans le portefeuille bancaire \u2013 exemple concret \u00ab croissance \u00bb<\/h1>\n

[\/vc_column_text][vc_empty_space][\/vc_column][vc_column width=\u00a0\u00bb1\/3″][\/vc_column][\/vc_row][vc_row el_class=\u00a0\u00bbpost-date\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1729233866779{background-color: #1E73BE00 !important;border-color: #1E73BE00 !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb2\/3″][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]L\u2019allocation d\u2019actifs est une strat\u00e9gie cl\u00e9 pour optimiser la performance d\u2019un portefeuille tout en ma\u00eetrisant les risques. Voici un exemple concret pour un portefeuille de croissance.<\/strong><\/p>\n

Les principes de base de la finance de march\u00e9 sont\u2009:<\/p>\n

    \n
  1. Rendement li\u00e9 au risque\u2009:
    \n<\/strong>Un portefeuille de croissance vise des rendements \u00e9lev\u00e9s, mais cela implique une plus grande volatilit\u00e9. L\u2019\u00e9quilibre entre le rendement attendu et le risque accept\u00e9, d\u00e9fini par l\u2019aversion au risque, est d\u00e9termin\u00e9 lors des discussions avec le client.<\/li>\n<\/ol>\n
      \n
    1. Diversification du portefeuille\u2009:
      \n<\/strong>Limiter chaque ligne \u00e0 5% du total r\u00e9duit l\u2019impact potentiel d\u2019une mauvaise performance d\u2019un actif sp\u00e9cifique. Pour la construction du portefeuille, nous appliquons un mix cash – fixed income – equity, \u00e9quilibrant liquidit\u00e9s, actifs de rendement (obligations, produits structur\u00e9s) et actions.<\/li>\n<\/ol>\n

      Actions
      \n<\/strong>Les actions sont essentielles pour la croissance. Un portefeuille \u00abcroissance\u00bb alloue environ 60% aux actions, offrant un potentiel de rendement \u00e9lev\u00e9, mais avec plus de volatilit\u00e9. Nous investissons uniquement dans des grandes capitalisations en Europe et en Am\u00e9rique du Nord.<\/p>\n

      Produits structur\u00e9s sur mesure
      \n<\/strong>Ces produits offrent une protection du capital avec des rendements via des coupons. Par exemple, un produit structur\u00e9 peut garantir 90% du capital avec un coupon bas\u00e9 sur la performance d\u2019un indice ou d\u2019une action. Pour les clients suisses, il est possible d\u2019\u00e9viter l\u2019imposition du rendement.<\/p>\n

      Obligations
      \n<\/strong>Actuellement, les rendements des obligations de haute qualit\u00e9 (notation A- ou mieux) sont peu attractifs, en raison des taux d\u2019int\u00e9r\u00eat bas.<\/p>\n

      Liquidit\u00e9s
      \n<\/strong>Nous conservons toujours 5 \u00e0 10% de liquidit\u00e9s en fonction des besoins du client.<\/p>\n

      Les autres classes d\u2019actifs comme les fonds, hedge funds ou private equity ne sont pas inclus dans nos portefeuilles.<\/p>\n

      Immobilier
      \n<\/strong>Si le client ne poss\u00e8de pas d\u2019actifs immobiliers directs, nous proposons des fonds ou actions immobili\u00e8res suisses.<\/p>\n

      Performance Watcher
      \n<\/strong>Un outil de suivi de la performance est indispensable pour comparer le portefeuille \u00e0 un benchmark et surveiller la volatilit\u00e9. Par exemple, le SMI peut \u00eatre utilis\u00e9 pour \u00e9valuer la performance relative. La volatilit\u00e9 est surveill\u00e9e pour s\u2019assurer que le risque reste dans les limites acceptables. Nous utilisons l\u2019outil Performance Watcher pour contr\u00f4ler la qualit\u00e9 de nos services.[\/vc_column_text][vc_column_text css=\u00a0\u00bb\u00a0\u00bb][\/vc_column_text][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/6″][vc_single_image image=\u00a0\u00bb669″ css=\u00a0\u00bb\u00a0\u00bb][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/4″][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]R\u00e9daction<\/p>\n

      Julien Cornamusaz<\/strong>
      \nCEO & Directeur
      \nCornamusaz Finance SA[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/4″][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/4″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=\u00a0\u00bb1\/3″][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]Crit\u00e8res d\u2019analyse<\/strong>
      \nPour s\u00e9lectionner les actions, plusieurs crit\u00e8res peuvent \u00eatre utilis\u00e9s:<\/p>\n

      \u2022 Consensus des analystes<\/strong>
      \nLes recommandations des analystes peuvent fournir des indications sur les perspectives de croissance des entreprises.<\/p>\n

      \u2022 Large caps<\/strong>
      \nLes grandes capitalisations sont souvent plus stables et peuvent offrir une croissance solide.<\/p>\n

      \u2022 P\/E ratio<\/strong>
      \nLe ratio cours\/b\u00e9n\u00e9fice est un indicateur cl\u00e9 pour \u00e9valuer si une action est sur\u00e9valu\u00e9e ou sous-\u00e9valu\u00e9e.<\/p>\n

      En conclusion, une allocation d\u2019actifs bien pens\u00e9e et diversi-fi\u00e9e, combin\u00e9e \u00e0 une analyse rigoureuse et \u00e0 un suivi constant de la performance, peut maxi-miser les chances de succ\u00e8s d\u2019un portefeuille de croissance.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n

      Lire les derniers\u00a0articles<\/h2>\n

      [\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row][vc_column][vc_basic_grid post_type=\u00a0\u00bbpost\u00a0\u00bb max_items=\u00a0\u00bb3″ item=\u00a0\u00bb439″ css=\u00a0\u00bb\u00a0\u00bb grid_id=\u00a0\u00bbvc_gid:1729239333168-1b4a9cb8d377910292e8b862fd00a623-1″][vc_empty_space][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

      L\u2019allocation d\u2019actifs est une strat\u00e9gie cl\u00e9 pour optimiser la performance d\u2019un portefeuille tout en ma\u00eetrisant les risques.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"iawp_total_views":2,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-716","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"\nAllocation d'actifs dans le portefeuille bancaire \u2013 exemple concret \u00ab croissance \u00bb | Cornamusaz Finance SA<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Allocation d'actifs dans le portefeuille bancaire \u2013 exemple 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