{"id":3056,"date":"2024-07-31T08:30:00","date_gmt":"2024-07-31T06:30:00","guid":{"rendered":"https:\/\/www.aucoffre.com\/academie\/?p=3056"},"modified":"2024-09-20T17:31:00","modified_gmt":"2024-09-20T15:31:00","slug":"dca-investissement","status":"publish","type":"post","link":"https:\/\/www.aucoffre.com\/academie\/dca-investissement\/","title":{"rendered":"Dollar-Cost Averaging (DCA) : une m\u00e9thode pour investir au-del\u00e0 des fluctuations"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">D\u00e9velopp\u00e9e par Eugene Fama, l\u2019hypoth\u00e8se d\u2019efficience des march\u00e9s persiste depuis le 19<sup>e<\/sup> si\u00e8cle. \u00c0 tel point qu\u2019on en vient \u00e0 douter : est-il vraiment possible de battre le march\u00e9 ? En 2012, l\u2019\u00e9tude d\u2019Andrew Clare, professeur \u00e0 la Cass Business School de Londres, d\u00e9montre qu\u2019un \u00ab\u2009chimpanz\u00e9\u2009\u00bb pourrait obtenir de meilleures performances qu\u2019un gestionnaire professionnel\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 ce constat, m\u00eame le hasard semble plus efficace que la gestion active. Mais alors, n\u2019existe-t-il pas une m\u00e9thode d\u2019investissement plus viable ? La solution r\u00e9side peut-\u00eatre dans le Dollar-Cost Averaging. Explications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c0 retenir<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le Dollar-Cost Averaging consiste \u00e0 investir moins, mais de fa\u00e7on r\u00e9guli\u00e8re.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cette m\u00e9thode permet de lisser le risque li\u00e9 aux variations du march\u00e9.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La solution s\u2019applique \u00e0 toutes classes d\u2019actifs, des cryptomonnaies \u00e0 l\u2019or, en passant par les actions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dollar-Cost Averaging : investir autrement<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Ce que le DCA n\u2019est pas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9thode popularis\u00e9e dans le march\u00e9 hautement volatil des cryptoactifs, le Dollar-Cost Averaging (DCA) s\u2019est avant tout construit en opposition aux styles d\u2019investissement classiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019ores et d\u00e9j\u00e0, l\u2019on peut affirmer que <strong>le DCA n\u2019a rien \u00e0 voir avec la gestion active<\/strong>. Cette derni\u00e8re vise \u00e0 acheter en p\u00e9riode de creux et \u00e0 vendre lorsqu\u2019un sommet est identifi\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La naissance du DCA repose sur le constat que la gestion active est trop sujette \u00e0 l\u2019\u00e9motion, \u00e0 la partialit\u00e9 de l\u2019information et \u00e0 une concurrence parfois avantag\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le DCA abandonne alors l\u2019id\u00e9e de battre le march\u00e9<\/strong> et cherche \u00e0 reproduire ses performances le plus fid\u00e8lement possible. Il s\u2019oppose ainsi aux notions de Trading, de Market Timing et de Lump-sum Investing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>DCA : Une m\u00e9thode d\u2019investissement liss\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 l\u2019impr\u00e9visibilit\u00e9 des oscillations du march\u00e9, <strong>le Dollar-Cost Averaging propose de lisser vos investissements<\/strong>. Autrement dit, le DCA consiste \u00e0 :<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>s\u00e9lectionner un montant raisonnable selon votre budget ;<\/li>\n\n\n\n<li>fixer une \u00e9ch\u00e9ance de versement r\u00e9guli\u00e8re ;<\/li>\n\n\n\n<li>automatiser vos achats.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>\u00c0 noter :<\/em><\/strong><em> Si cette m\u00e9thode s\u2019exprime originellement en dollars am\u00e9ricains, on peut bien s\u00fbr l\u2019appliquer \u00e0 l\u2019euro. On parle alors d\u2019Euro-Cost Averaging (ECA).<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peu importe l\u2019\u00e9tat des cours : <strong>l\u2019investisseur place toujours la m\u00eame somme<\/strong>. De cette fa\u00e7on, les achats en p\u00e9riode haussi\u00e8re compenseront ceux en p\u00e9riode baissi\u00e8re. En fin de compte, si l\u2019actif se valorise sur le temps long, les prix s&rsquo;\u00e9quilibrent et la strat\u00e9gie devient rentable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le DCA vous prot\u00e8ge ainsi de la volatilit\u00e9. La seule condition pour faire fonctionner cette m\u00e9thode est d\u2019identifier un actif dont vous \u00eates persuad\u00e9 qu\u2019il gagnera en valeur sur le long terme !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, cette approche s\u2019attache non pas aux fluctuations \u00e0 court terme, mais bien \u00e0 la tendance de fond de l\u2019actif. <strong>C\u2019est donc sur le moyen et long terme que le DCA porte ses fruits<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Exit les \u00e9motions, exit les biais cognitifs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Int\u00e9grer le DCA dans votre strat\u00e9gie d\u2019investissement revient \u00e0 \u00e9loigner plusieurs probl\u00e9matiques omnipr\u00e9sentes dans la gestion active.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est notamment le cas des d\u00e9cisions prises \u00e0 l\u2019emporte-pi\u00e8ce, soit \u00e0 cause de biais cognitifs, soit \u00e0 cause d\u2019\u00e9motions comme l\u2019euphorie ou la panique.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u2019une part, vous \u00e9vitez les r\u00e9actions impulsives en contexte haussier. Ces derniers sont dus au ph\u00e9nom\u00e8ne nomm\u00e9 \u00ab <strong><em>Fear of missing out<\/em><\/strong> \u00bb ou FOMO, c\u2019est-\u00e0-dire la peur de manquer une opportunit\u00e9 d\u2019achat.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u2019autre part, vous vous prot\u00e9gez contre l\u2019\u00e9cueil inverse, autrement dit la vente pr\u00e9coce d\u2019un actif par crainte que la baisse des cours ne se poursuive ind\u00e9finiment. On parle alors de \u00ab <strong><em>Fear, Uncertainty and Doubt<\/em><\/strong> \u00bb ou FUD.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces deux m\u00e9canismes purement \u00e9motionnels sont en r\u00e9alit\u00e9 \u00e0 la source des pires d\u00e9cisions qu\u2019un investisseur puisse prendre : acheter lorsque le prix est d\u00e9j\u00e0 trop \u00e9lev\u00e9 et risque de baisser \u00e0 nouveau, vendre quand le prix est d\u00e9j\u00e0 trop bas et pourrait repartir \u00e0 la hausse.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"jeg_video_container jeg_video_content\"><iframe title=\"Faut-il acheter de l\u2019or en DCA\u00a0? Comment faire\u00a0? #26 | Paroles d&#039;experts | AuCOFFRE\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/FYflhjJl9MA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>3 \u00e9tapes pour investir via le Dollar-Cost Averaging<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>1.&nbsp;&nbsp; Identifiez un actif en hausse sur le long terme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La seule condition de r\u00e9ussite du DCA consiste \u00e0 <strong>identifier un actif de confiance sur le long terme<\/strong>. On ne recherche m\u00eame pas un fort potentiel de croissance, mais une conjoncture de march\u00e9 favorable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019analyse fondamentale d\u2019un actif, d\u2019une entreprise ou d\u2019un secteur participe \u00e0 consolider votre d\u00e9cision d\u2019achat. \u00c0 partir de ce crit\u00e8re, les achats en p\u00e9riode de croissance seront sup\u00e9rieurs en nombre et en valeur aux achats baissiers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>2.&nbsp;&nbsp; Budgettez vos investissements<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Par opposition \u00e0 un investissement dans lequel on effectue un unique d\u00e9p\u00f4t initial cons\u00e9quent, le Dollar-Cost Averaging pr\u00e9f\u00e8re des <strong>versements modestes, mais r\u00e9guliers<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, le DCA repr\u00e9sente une <a href=\"https:\/\/www.aucoffre.com\/academie\/comment-investir-20-000-euros-intelligemment\/\">strat\u00e9gie d\u2019investissement<\/a> des plus abordables. Selon votre budget, libre \u00e0 vous de fixer la somme investie de quelques dizaines \u00e0 plusieurs milliers d\u2019euros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Attention <\/em><\/strong><em>: Une fois \u00e9tabli, ce montant doit rester stable aussi longtemps que possible. Sans cela, pas de lissage du risque !<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>3.&nbsp;&nbsp; Param\u00e9trez une fr\u00e9quence d\u2019achat<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le mod\u00e8le du DCA implique que plus vos achats sont fr\u00e9quents et r\u00e9guliers, meilleure sera votre r\u00e9sistance au risque. Cependant, libre \u00e0 vous de vous caler sur un <strong>rythme mensuel, trimestriel ou annuel<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Lisser les achats d\u2019or pour une meilleure performance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si le DCA offre une m\u00e9thode plus s\u00e9curis\u00e9e pour investir dans des march\u00e9s hautement volatils comme les cryptomonnaies, il est tout aussi efficace dans des classes d\u2019actifs plus stables. C\u2019est notamment le cas du m\u00e9tal jaune.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis l\u2019abandon de l\u2019\u00e9talon-or dans les ann\u00e9es 1970, le cours de l\u2019or a augment\u00e9 plus vite que le co\u00fbt de la vie. Comme l\u2019identifie le journaliste sp\u00e9cialis\u00e9 Nicolas Delourme, <a href=\"https:\/\/www.aucoffre.com\/academie\/investir-or-reussir-premier-achat\/\">investir dans l\u2019or<\/a> en 2000 aurait rapport\u00e9 8,67% par an jusqu\u2019\u00e0 aujourd\u2019hui.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais auriez-vous pens\u00e9 et os\u00e9 faire ce pari \u00e0 l\u2019\u00e9poque ? Rien n\u2019est moins s\u00fbr. Plut\u00f4t que de tout jouer \u00e0 pile ou face, <a href=\"https:\/\/www.youtube.com\/watch?v=FYflhjJl9MA\">mettre en place un DCA or<\/a> vous aurait rapport\u00e9 <a href=\"https:\/\/www.loretlargent.info\/economie\/lor-dollar-cost-averaging-2\/26754\/\">entre 7,40% et 8%<\/a> par an : de quoi <strong>\u00e9tablir un compromis id\u00e9al entre s\u00e9curit\u00e9 et plus-value<\/strong> !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>3 bonnes raisons de mettre en place cette m\u00e9thode<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le DCA est souvent consid\u00e9r\u00e9 comme \u00ab le moins pire des syst\u00e8mes \u00bb, et pour cause.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Il r\u00e9duit le risque li\u00e9 au boursicotage<\/strong>. Vous ne vous consid\u00e9rez pas comme le meilleur trader au monde ? Tant mieux : en mettant de c\u00f4t\u00e9 l\u2019adr\u00e9naline de la gestion active, le DCA vous \u00e9vitera bien des nuits blanches.<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Il s\u2019adresse \u00e0 tous les budgets<\/strong>. Vous profitez de la souplesse du DCA en termes de capitaux et de fr\u00e9quence d\u2019investissement. Cela vous permet \u00e9galement de diversifier votre portefeuille plus facilement.<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Il s\u2019applique \u00e0 toutes les classes d\u2019actifs<\/strong>. Peu importe la volatilit\u00e9, le DCA lisse syst\u00e9matiquement votre investissement et vous prot\u00e8ge ainsi des fluctuations les plus brusques du march\u00e9.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Vous souhaitez tester l\u2019approche DCA, d\u00e9couvrez <a href=\"https:\/\/www.aucoffre.com\/comment-acheter-or\">comment acheter de l\u2019or<\/a> avec AuCOFFRE.com.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et pour les plus curieux, d\u00e9couvrez combien investir dans l&rsquo;or physique vous aurait rapport\u00e9 ! Faites <a href=\"https:\/\/tally.so\/r\/wAJ6RD\">votre simulation sur AuCOFFRE<\/a> et d\u00e9couvrez la valorisation de votre portefeuille si vous aviez investi dans l&rsquo;or il y a quelques ann\u00e9es. Notez que la simulation est bas\u00e9e sur l&rsquo;historique r\u00e9el du cours de l&rsquo;or.<a href=\"http:\/\/aucoff.re\/simulateur-dca\"><\/a><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/tally.so\/r\/wAJ6RD\"><img fetchpriority=\"high\" decoding=\"async\" width=\"836\" height=\"388\" src=\"https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2024\/07\/Vous-de\u0301tenez-de-lor-chez-vous-ou-en-banque-8.png\" alt=\"\" class=\"wp-image-3146\" srcset=\"https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2024\/07\/Vous-de\u0301tenez-de-lor-chez-vous-ou-en-banque-8.png 836w, https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2024\/07\/Vous-de\u0301tenez-de-lor-chez-vous-ou-en-banque-8-300x139.png 300w, https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2024\/07\/Vous-de\u0301tenez-de-lor-chez-vous-ou-en-banque-8-768x356.png 768w, https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2024\/07\/Vous-de\u0301tenez-de-lor-chez-vous-ou-en-banque-8-750x348.png 750w\" sizes=\"(max-width: 836px) 100vw, 836px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9velopp\u00e9e par Eugene Fama, l\u2019hypoth\u00e8se d\u2019efficience des march\u00e9s persiste depuis le 19e si\u00e8cle. \u00c0 tel point qu\u2019on en vient \u00e0 douter : est-il vraiment possible de battre le march\u00e9 ? En 2012, l\u2019\u00e9tude d\u2019Andrew Clare, professeur \u00e0 la Cass Business School de Londres, d\u00e9montre qu\u2019un \u00ab\u2009chimpanz\u00e9\u2009\u00bb pourrait obtenir de meilleures performances qu\u2019un gestionnaire professionnel\u2026 Face [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":3057,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"8","single_blog_custom":"","parallax":"1","fullscreen":"0","layout":"no-sidebar-narrow","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"bottom","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"0","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"2","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[79],"tags":[96,87,91,83,89],"niveau":[130],"class_list":["post-3056","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investir","tag-cotation","tag-economie","tag-investissement","tag-or","tag-pieces","niveau-debutant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investir intelligemment gr\u00e2ce au Dollar-Cost Averaging<\/title>\n<meta name=\"description\" content=\"Existe-t-il une m\u00e9thode d\u2019investissement vraiment viable ? 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