{"id":770,"date":"2026-05-28T12:18:07","date_gmt":"2026-05-28T10:18:07","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=770"},"modified":"2026-05-28T12:18:07","modified_gmt":"2026-05-28T10:18:07","slug":"argent-dormant-les-francais-se-reveillent-mais-hesitent-a-investir","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/argent-dormant-les-francais-se-reveillent-mais-hesitent-a-investir","title":{"rendered":"Argent dormant : les Fran\u00e7ais se r\u00e9veillent, mais h\u00e9sitent \u00e0 investir"},"content":{"rendered":"<p>Moins de Fran\u00e7ais laissent leur argent dormir sur leur compte courant. C\u2019est le principal enseignement de la deuxi\u00e8me vague du barom\u00e8tre OpinionWay pour Saxo Banque publi\u00e9 le 27 mai 2026. Cette ann\u00e9e, 31% des Fran\u00e7ais ont le sentiment d\u2019avoir de l&rsquo;argent qui dort sur leurs comptes, contre 42% un an plus t\u00f4t. Ce repli \u00ab\u00a0t\u00e9moigne d&rsquo;une mise en mouvement r\u00e9elle des comportements \u00e0 la fois vers de l\u2019investissement plus dynamique, mais aussi par la n\u00e9cessit\u00e9 \u00e0 d\u00e9s\u00e9pargner\u00a0\u00bb dans un contexte de regain d\u2019inflation, note Saxo Banque dans un communiqu\u00e9.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lassurance_vie_privilegiee_pour_dynamiser_ses_rendements\"><\/span>L\u2019assurance vie privil\u00e9gi\u00e9e pour dynamiser ses rendements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cette impression se manifeste davantage parmi les plus ais\u00e9s : 39% des CSP+ estiment poss\u00e9der de l\u2019argent dormant, 41% chez les foyers gagnant plus de 3 500 euros nets par mois. Les moins de 35 ans sont aussi davantage concern\u00e9s (37%, contre 29% chez les 35 ans et plus).<\/p>\n<p>Interrog\u00e9s pour la premi\u00e8re fois sur le placement vers lequel ils se tourneraient en priorit\u00e9 pour dynamiser leur \u00e9pargne, 36% des Fran\u00e7ais ne savent pas r\u00e9pondre. <a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-fonctionnement-et-explications.html\">L&rsquo;assurance vie<\/a> arrive en t\u00eate (34%), devant l&rsquo;immobilier locatif (11%) et la Bourse (10%). Cette derni\u00e8re est le premier choix des 18-24 ans (26%), devant l\u2019assurance vie (18%), l\u2019immobilier locatif (16%), les soci\u00e9t\u00e9s civiles de placement immobilier (SCPI, 7%) et les cryptomonnaies (6%).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_ETF_largement_meconnus\"><\/span>Les ETF largement m\u00e9connus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les freins \u00e0 l\u2019am\u00e9lioration du rendement de l\u2019\u00e9pargne frappent la quasi-totalit\u00e9 des personnes interrog\u00e9es : 92% des Fran\u00e7ais en citent au moins un. Arrivent en t\u00eate la peur de perdre son argent (46%, et 54% chez les 35-49 ans), le manque d&rsquo;argent per\u00e7u (34%), la m\u00e9fiance envers les march\u00e9s (33 %), l&rsquo;incertitude \u00e9conomique et politique (29%) et le manque d&rsquo;\u00e9ducation financi\u00e8re (20%).<\/p>\n<p>La faiblesse de la culture financi\u00e8re se traduit aussi par une m\u00e9connaissance majoritaire des ETF, ces fonds cot\u00e9s en Bourse \u00e0 faibles frais de gestion qui r\u00e9pliquent la performance d\u2019un indice boursier. 68% des Fran\u00e7ais d\u00e9clarent n&rsquo;en avoir jamais entendu parler, soit 4 points de pourcentage de plus qu&rsquo;en 2025. Seuls 10% savent pr\u00e9cis\u00e9ment de quoi il s&rsquo;agit.<\/p>\n<p>\u00ab L\u2019app\u00e9tit existe, les rep\u00e8res manquent \u00bb, en conclut Fabien Keryell, CEO de Saxo Banque en France, qui note toutefois un \u00e9cart g\u00e9n\u00e9rationnel \u00ab\u00a0encourageant\u00a0\u00bb, les plus jeunes \u00e9tant davantage tent\u00e9s par l\u2019investissement en Bourse que leurs ain\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le sentiment d&rsquo;avoir de l&rsquo;argent qui dort recule de 11 points en un an, \u00e0 31%, selon un sondage r\u00e9cent. Cependant, les freins \u00e0 investir perdurent.<\/p>\n","protected":false},"author":13709,"featured_media":771,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Argent dormant : les Fran\u00e7ais se r\u00e9veillent, mais h\u00e9sitent \u00e0 investir<\/title>\n<meta name=\"description\" content=\"Argent dormant en recul (31% contre 42% en un an), mais 92% des Fran\u00e7ais citent un frein \u00e0 investir, selon un sondage OpinionWay pour Saxo Banque.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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