{"id":1368,"date":"2023-04-13T05:09:00","date_gmt":"2023-04-13T05:09:00","guid":{"rendered":"https:\/\/wizio.fr\/blog\/?p=1368"},"modified":"2024-01-04T15:00:46","modified_gmt":"2024-01-04T15:00:46","slug":"les-differents-profils-clients-des-cgp","status":"publish","type":"post","link":"https:\/\/wizio.fr\/blog\/les-differents-profils-clients-des-cgp\/","title":{"rendered":"Les diff\u00e9rents profils clients des CGP"},"content":{"rendered":"\n<p>Afin de promulguer des conseils \u00e0 son client en ad\u00e9quation avec ses besoins et envies, tout conseiller en gestion de patrimoine doit d\u2019abord dresser un profil client. Celui-ci d\u00e9terminera son niveau de connaissance dans les produits financiers ainsi que son profil de risque.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Connaissance et exp\u00e9rience<\/h2>\n\n\n\n<p>Il est important de bien faire la distinction entre les connaissances th\u00e9oriques et les connaissance effectives. Et de fait, un contr\u00f4le de coh\u00e9rence et une pond\u00e9ration pour chaque r\u00e9ponse doit \u00eatre apport\u00e9e lors de l&#8217;\u00e9tablissement d&#8217;un questionnaire. Cela d\u00e9coule de la d\u00e9couverte globale du client en mati\u00e8re de connaissance financi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil Novice<\/h3>\n\n\n\n<p>La majorit\u00e9 des \u00e9pargnants conna\u00eet les placements financiers simples (livret A, fonds euros, etc). En revanche, le fonctionnement des march\u00e9s financiers et les produits financiers plus complexes restent \u00e9trangers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil Inform\u00e9<\/h3>\n\n\n\n<p>L\u2019\u00e9pargnant conna\u00eet bien les produits financiers simples (livret A, assurance vie, etc). Il conna\u00eet \u00e9galement des placements plus complexes sans toutefois en ma\u00eetriser pleinement leur fonctionnement pr\u00e9cis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil exp\u00e9riment\u00e9<\/h3>\n\n\n\n<p>L\u2019\u00e9pargnant a de bonnes connaissances financi\u00e8res. Il comprend bien le fonctionnement des march\u00e9s financiers et sait \u00e9valuer les risques associ\u00e9s. Il n\u2019est toutefois pas un professionnel de la finance. De fait, certains produits complexes peuvent lui \u00eatre inconnus.<\/p>\n\n\n\n<p>Pour en savoir plus \u00e0 ce sujet, rendez-vous sur notre article : <a href=\"https:\/\/wizio.fr\/blog\/astuce-conformite-comment-determiner-le-profil-de-risques\/\">Profil de risque<\/a>, afin de tout conna\u00eetre \u00e0 ce sujet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le profil de risque<\/h2>\n\n\n\n<p>Afin d&#8217;\u00e9tablir ce profil, il est indispensable d&#8217;utiliser des sc\u00e9narii d\u2019investissements et des graphiques. Cette \u00e9tude illustr\u00e9e sera appuy\u00e9e par des questions portant sur le risque non financier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil s\u00e9curitaire<\/h3>\n\n\n\n<p>L\u2019\u00e9pargnant ne cherche pas \u00e0 prendre de risques dans ses placements m\u00eame si cela implique un faible rendement. La s\u00e9curit\u00e9 dans ses placements et la pr\u00e9servation de son \u00e9pargne\/capital est son objectif principal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil d\u00e9fensif<\/h3>\n\n\n\n<p>L\u2019\u00e9pargnant cherche \u00e0 prendre peu de risques dans ses placements et \u00e0 faire fructifier son argent gr\u00e2ce aux investissements. La performance est un de ses objectifs, mais il ne souhaite pas pour autant sacrifier la s\u00e9curit\u00e9 de ses \u00e9conomies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil \u00e9quilibr\u00e9<\/h3>\n\n\n\n<p>L\u2019\u00e9pargnant cherche la performance dans ses placements, mais souhaite conserver un certain \u00e9quilibre entre placements risqu\u00e9s et s\u00e9curis\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil dynamique<\/h3>\n\n\n\n<p>L\u2019\u00e9pargnant cherche \u00e0 atteindre un rendement \u00e9lev\u00e9 pour son \u00e9pargne. Une plus grande performance impliquant \u00e9galement de plus grands risques, il accepte l\u2019id\u00e9e de placer son argent sur des fonds dynamiques et non s\u00e9curis\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le profil offensif<\/h3>\n\n\n\n<p>L\u2019\u00e9pargnant cherche \u00e0 atteindre le rendement maximal pour son \u00e9pargne ; il n\u2019est pas effray\u00e9 \u00e0 l\u2019id\u00e9e d\u2019investir sur des fonds tr\u00e8s dynamiques. Il est n\u00e9anmoins conscient que ce choix pourra potentiellement l\u2019amener \u00e0 une grande performance ou entra\u00eener la perte de son capital. Investisseur avis\u00e9, il n\u2019a pas peur du risque.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afin de promulguer des conseils \u00e0 son client en ad\u00e9quation avec ses besoins et envies, tout conseiller en gestion de patrimoine doit d\u2019abord dresser un profil client. Celui-ci d\u00e9terminera son niveau de connaissance dans les produits financiers ainsi que son profil de risque. Connaissance et exp\u00e9rience Il est important de bien faire la distinction entre [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1369,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-1368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conformite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les diff\u00e9rents profils clients des CGP - Wizio<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez et comprenez les diff\u00e9rents profils clients des CGP tels qu&#039;ils peuvent \u00eatre d\u00e9termin\u00e9s, et selon la cat\u00e9gorisation r\u00e9glementaire\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wizio.fr\/blog\/les-differents-profils-clients-des-cgp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les diff\u00e9rents profils clients des CGP - 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