{"id":405,"date":"2026-04-14T11:33:57","date_gmt":"2026-04-14T09:33:57","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=405"},"modified":"2026-04-14T11:47:07","modified_gmt":"2026-04-14T09:47:07","slug":"plus-de-six-francais-sur-dix-ne-challengent-pas-les-placements-de-leur-banque","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-six-francais-sur-dix-ne-challengent-pas-les-placements-de-leur-banque","title":{"rendered":"Plus de six Fran\u00e7ais sur dix ne \u00ab challengent \u00bb pas les placements de leur banque"},"content":{"rendered":"

Alors que l’\u00e9pargne des m\u00e9nages fran\u00e7ais atteint des niveaux historiques, une \u00e9tude, publi\u00e9e le 13 avril 2026 par le cabinet Alternative Patrimoine, en partenariat avec l\u2019institut de sondage Selvitys, dresse un constat paradoxal. S\u2019ils sont toujours plus nombreux \u00e0 th\u00e9sauriser, nos compatriotes ne se sont jamais aussi peu souci\u00e9s de l\u2019endroit o\u00f9 sont plac\u00e9es leurs \u00e9conomies.<\/p>\n

Ainsi, 74% des personnes interrog\u00e9es confient l’essentiel de leur \u00e9pargne \u00e0 leur banque principale. Ce choix est davantage guid\u00e9 par la confiance (pour 46% d\u2019entre elles), l\u2019habitude (27%) et la simple commodit\u00e9 (19%) que par une r\u00e9elle optimisation.<\/p>\n

<\/span>Des \u00e9pagnants passifs face \u00e0 leur banque<\/span><\/h2>\n

Cette fid\u00e9lit\u00e9 s\u2019accompagne d\u2019un attentisme puisque, toujours selon l\u2019enqu\u00eate, plus de six Fran\u00e7ais sur dix (62%) avouent n\u2019avoir jamais remis en question les placements propos\u00e9s par leur conseiller bancaire. Ils sont 58% \u00e0 n\u2019avoir jamais compar\u00e9 ces offres avec d\u2019autres solutions d\u2019investissement, et 6% ignorent m\u00eame que la comparaison est possible.<\/p>\n

R\u00e9sultat : 81% des \u00e9pargnants sond\u00e9s ne connaissent pas vraiment la performance r\u00e9elle de leurs placements, ce qui n\u2019emp\u00eache pas 62% de l\u2019estimer insuffisante. Au total, pr\u00e8s des deux tiers jugent leur \u00e9pargne peu performante ou ne se prononcent pas.<\/p>\n

Le sentiment d’\u00eatre mal orient\u00e9 est tout aussi r\u00e9pandu. Selon Alternative Patrimoine, 56% des r\u00e9pondants estiment \u00eatre orient\u00e9s vers des produits standardis\u00e9s, quand seulement 25% se sentent r\u00e9ellement conseill\u00e9s.<\/p>\n

<\/span>Des alternatives m\u00e9connues, mais un int\u00e9r\u00eat qui grandit<\/span><\/h2>\n

Dans ce contexte, les alternatives restent largement inconnues : 47% des personnes participantes n’ont jamais entendu parler des produits structur\u00e9s (placements financiers dont le rendement et le niveau de protection du capital sont d\u00e9finis \u00e0 l’avance, en fonction de l’\u00e9volution d’un indice boursier ou d’une action, NDLR) et 69% ignorent l’existence du private equity (titres d\u2019entreprises non cot\u00e9es, NDLR).<\/p>\n

Une ouverture \u00e9merge toutefois. Si seuls 27% des sond\u00e9s d\u00e9tiennent aujourd\u2019hui des placements hors de leur banque, plus d\u2019un Fran\u00e7ais sur deux se dit \u00ab pr\u00eat \u00bb ou \u00ab potentiellement pr\u00eat \u00bb \u00e0 contacter un nouvel interlocuteur pour mieux faire travailler son \u00e9pargne.<\/p>\n","protected":false},"excerpt":{"rendered":"

Malgr\u00e9 des encours d\u2019\u00e9pargne \u00e9lev\u00e9s, les clients restent majoritairement fid\u00e8les \u00e0 leur \u00e9tablissement bancaire, tout en exprimant des doutes croissants sur l\u2019efficacit\u00e9 de leurs solutions d\u2019investissement.<\/p>\n","protected":false},"author":13719,"featured_media":409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nPlus de six Fran\u00e7ais sur dix ne \u00ab challengent \u00bb pas les placements de leur banque<\/title>\n<meta name=\"description\" content=\"Seuls 19% des Fran\u00e7ais disent conna\u00eetre la performance r\u00e9elle de leurs placements financiers, selon une \u00e9tude d'Alternative Patrimoine.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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