{"id":4856,"date":"2026-03-18T16:17:33","date_gmt":"2026-03-18T15:17:33","guid":{"rendered":"https:\/\/www.aucoffre.com\/academie\/?p=4856"},"modified":"2026-03-31T16:31:15","modified_gmt":"2026-03-31T14:31:15","slug":"or-investissement-long-terme","status":"publish","type":"post","link":"https:\/\/www.aucoffre.com\/academie\/or-investissement-long-terme\/","title":{"rendered":"Investissement de long terme\u00a0: pourquoi l\u2019or est-il incontournable\u00a0?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Dans un contexte d\u2019incertitudes \u00e9conomiques et g\u00e9opolitiques, se constituer un patrimoine devient un enjeu cl\u00e9 pour s\u00e9curiser l\u2019avenir. Quelle place occupe l\u2019or parmi les <strong>solutions d\u2019investissement sur le long terme<\/strong>&nbsp;? Pourquoi le m\u00e9tal pr\u00e9cieux est-il si recherch\u00e9 par les investisseurs&nbsp;?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l\u2019occasion de la Semaine de l\u2019\u00e9ducation financi\u00e8re, l\u2019Acad\u00e9mie d\u00e9crypte les caract\u00e9ristiques d\u2019un actif qui traverse les si\u00e8cles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce qu\u2019il faut retenir&nbsp;:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019or, sous sa forme physique, est une r\u00e9serve de valeur historique. Il agit comme un actif de protection et un outil de diversification patrimoniale.<\/li>\n\n\n\n<li>L\u2019or ne g\u00e9n\u00e8re pas de rendement, mais r\u00e9siste \u00e0 l\u2019inflation. Il a aussi l\u2019avantage d\u2019\u00eatre liquide&nbsp;: un bon point pour faire face \u00e0 un besoin imm\u00e9diat.<\/li>\n\n\n\n<li>Les pi\u00e8ces d\u2019or d\u2019investissement offrent une solution concr\u00e8te et accessible pour se constituer progressivement un patrimoine en or physique.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Attention :<\/strong> Cet article a une vocation p\u00e9dagogique et ne remplace pas les conseils d\u2019un professionnel qualifi\u00e9. Les performances pass\u00e9es ne pr\u00e9jugent pas des performances futures.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi l\u2019or est consid\u00e9r\u00e9 comme un investissement de long terme&nbsp;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019or est un actif bien particulier, qui ne se classe pas au m\u00eame niveau que les actions, les assurances-vie ou l\u2019immobilier. Voici pourquoi il s\u2019inscrit dans une strat\u00e9gie d\u2019investissement de long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u2019or est une r\u00e9serve de valeur qui a fait ses preuves<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019or n\u2019est pas seulement un m\u00e9tal pr\u00e9cieux tr\u00e8s recherch\u00e9 en bijouterie. C\u2019est surtout l\u2019une des r\u00e9serves de valeur les plus anciennes&nbsp;: depuis l\u2019Antiquit\u00e9, l\u2019or a souvent \u00e9t\u00e9 utilis\u00e9 comme socle des syst\u00e8mes mon\u00e9taires. Et m\u00eame si, aujourd\u2019hui, il n\u2019est plus employ\u00e9 comme monnaie, il fait toujours office de r\u00e9serve. Les banques centrales, par exemple, accroissent r\u00e9guli\u00e8rement leurs stocks d\u2019or pour consolider leurs r\u00e9serves mon\u00e9taires et consolider leur monnaie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019or poss\u00e8de en fait une valeur intrins\u00e8que, li\u00e9e \u00e0 sa raret\u00e9 et \u00e0 ses caract\u00e9ristiques physiques. Il s\u2019agit d\u2019un actif qui ne peut \u00eatre dupliqu\u00e9 ou imprim\u00e9. \u00c0 la diff\u00e9rence d\u2019autres investissements, il ne g\u00e9n\u00e8re pas de rendements mais il <strong>pr\u00e9serve la valeur du patrimoine dans la dur\u00e9e<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Un m\u00e9tal pr\u00e9cieux qui prot\u00e8ge contre les crises<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En temps de crise \u00e9conomique ou d\u2019incertitude g\u00e9opolitique, c\u2019est justement dans une logique de pr\u00e9servation du patrimoine que les investisseurs se tournent vers le m\u00e9tal pr\u00e9cieux. Lorsque les march\u00e9s traditionnels baissent ou deviennent tr\u00e8s volatils, <strong>le m\u00e9tal pr\u00e9cieux tend \u00e0 conserver, voire \u00e0 augmenter sa valeur.<\/strong> Sur la seule ann\u00e9e 2025, le cours de l\u2019or a ainsi battu tous les records (pr\u00e8s de 70 % en dollars sur une ann\u00e9e), entra\u00een\u00e9 par les tensions commerciales et g\u00e9opolitiques. Et depuis le d\u00e9but de l\u2019ann\u00e9e 2026, l\u2019or reste sur des niveaux \u00e9lev\u00e9s dans le contexte du conflit entre l\u2019Iran, les \u00c9tats-Unis et Isra\u00ebl.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Un actif d\u00e9corr\u00e9l\u00e9 des march\u00e9s financiers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019or est un actif consid\u00e9r\u00e9 comme contracyclique, et ne d\u00e9pend pas des b\u00e9n\u00e9fices d\u2019une entreprise ou des d\u00e9cisions d\u2019une banque centrale. Comme il est d\u00e9corr\u00e9l\u00e9 des march\u00e9s financiers, il est souvent utilis\u00e9 comme <strong>un outil de stabilisation des actifs sur le long terme<\/strong>. Ce r\u00f4le d\u2019actif de diversification explique pourquoi, <a href=\"https:\/\/www.aucoffre.com\/academie\/budget-or-portefeuille-patrimonial\/\">dans les portefeuilles des \u00e9conomistes<\/a>, l\u2019or occupe un pourcentage qui varie de 5 \u00e0 30 %.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Bon \u00e0 savoir&nbsp;:<\/strong> Un or d\u00e9corr\u00e9l\u00e9 des march\u00e9s financiers, c\u2019est bien un or sous une forme physique&nbsp;: <a href=\"https:\/\/www.aucoffre.com\/or?utm_source=academie&amp;utm_medium=article\">des pi\u00e8ces d\u2019or d\u2019investissement<\/a> ou des lingots. L\u2019or papier (les ETF) sont des actions qui reproduisent le cours de l\u2019or, mais qui restent soumises aux al\u00e9as des march\u00e9s financiers.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">L\u2019or face aux autres placements de long terme<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019or n\u2019est pas le seul investissement qui se con\u00e7oit sur le long terme. C\u2019est aussi le cas de l\u2019immobilier et de la for\u00eat, des assurances-vie, des portefeuilles d\u2019actions et m\u00eame des cryptomonnaies. Mais comment s\u2019y retrouver&nbsp;? Voici un tableau r\u00e9capitulatif des informations \u00e0 retenir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2026\/03\/academie-AuCoffre-points-forts-et-limites-des-placements-long-terme-1024x536.png\" alt=\"\" class=\"wp-image-4875\" srcset=\"https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2026\/03\/academie-AuCoffre-points-forts-et-limites-des-placements-long-terme-1024x536.png 1024w, https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2026\/03\/academie-AuCoffre-points-forts-et-limites-des-placements-long-terme-300x157.png 300w, https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2026\/03\/academie-AuCoffre-points-forts-et-limites-des-placements-long-terme-768x402.png 768w, https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2026\/03\/academie-AuCoffre-points-forts-et-limites-des-placements-long-terme-750x392.png 750w, https:\/\/www.aucoffre.com\/academie\/wp-content\/uploads\/sites\/9\/2026\/03\/academie-AuCoffre-points-forts-et-limites-des-placements-long-terme.png 1067w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Attention&nbsp;: Pour tout investissement, il existe un risque de perte en capital.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Investir dans l\u2019or sur le long terme&nbsp;: les questions \u00e0 se poser<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle part du patrimoine faut-il allouer \u00e0 l\u2019or&nbsp;?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019or est un actif de diversification&nbsp;: il se con\u00e7oit au sein d\u2019un portefeuille global. Il n\u2019a pas vocation \u00e0 performer, mais plut\u00f4t \u00e0 jouer un r\u00f4le d\u2019amortisseur en cas de crise. Plusieurs \u00e9conomistes se sont pench\u00e9s sur la question de la \u00ab&nbsp;bonne&nbsp;\u00bb part \u00e0 allouer \u00e0 l\u2019or&nbsp;: <strong>entre 5 et 30 %,<\/strong> selon les diff\u00e9rents experts. Et c\u2019est normal qu\u2019il n\u2019y ait pas de bonne r\u00e9ponse universelle&nbsp;: tout d\u00e9pend du <strong>profil de l\u2019investisseur, de ses objectifs, de son horizon de placement et de sa tol\u00e9rance au risque<\/strong>. L\u2019expert en gestion d\u2019actifs Didier Darcet pr\u00e9conise une part d\u2019or qui peut aller jusqu\u2019\u00e0 30 % du portefeuille par exemple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les recommandations peuvent \u00e9galement \u00e9voluer <strong>selon le contexte \u00e9conomique et g\u00e9opolitique<\/strong>. Fin 2025, Ray Dalio a ainsi chang\u00e9 de posture pour son portefeuille \u00ab&nbsp;All Weather&nbsp;\u00bb. L\u2019\u00e9conomiste am\u00e9ricain, qui pr\u00e9conisait d\u2019allouer 7,5 % de son patrimoine \u00e0 l\u2019or, a r\u00e9cemment doubl\u00e9 la mise \u00e0 15 %, estimant que l\u2019or \u00e9tait \u00ab&nbsp;le seul actif qui se porte tr\u00e8s bien&nbsp;\u00bb lorsque les autres composantes baissent.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">En savoir plus&nbsp;: <a href=\"https:\/\/www.aucoffre.com\/academie\/portefeuille-investissement\/\">comment construire un portefeuille d\u2019investissement robuste&nbsp;?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Sous quelle forme investir dans l\u2019or&nbsp;?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Privil\u00e9gier les pi\u00e8ces d\u2019or d\u2019investissement<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est la question \u00e0 une once. Lorsque les professionnels parlent d\u2019un or d\u2019investissement, il s\u2019agit avant tout d\u2019or physique, sous <strong>forme de lingots, de barres ou de pi\u00e8ces d\u2019investissement<\/strong>. Ces derni\u00e8res pr\u00e9sentent plusieurs avantages&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Elles sont plus accessibles financi\u00e8rement (\u00e0 partir de quelques centaines d\u2019euros)&nbsp;;<\/li>\n\n\n\n<li>Elles r\u00e9pondent aux imp\u00e9ratifs de liquidit\u00e9, c\u2019est-\u00e0-dire que leur valeur peut \u00eatre disponible rapidement en cas de besoin&nbsp;;<\/li>\n\n\n\n<li>Elles b\u00e9n\u00e9ficient d\u2019une <a href=\"https:\/\/www.aucoffre.com\/academie\/comment-sont-taxes-metaux-precieux\/\">fiscalit\u00e9 avantageuse<\/a> (pi\u00e8ces \u00e0 cours l\u00e9gal et jetons).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Choisir les pi\u00e8ces en fonction de la strat\u00e9gie d\u2019investissement et des montants \u00e0 allouer<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Entre <a href=\"https:\/\/www.aucoffre.com\/recherche\/metal-1\/marketing_list-5\/stype-1\/produit?utm_source=academie&amp;utm_medium=article\">l\u2019embl\u00e9matique Napol\u00e9on 20 francs<\/a>, l\u2019exotique <a href=\"https:\/\/www.aucoffre.com\/recherche\/metal-1\/marketing_list-15\/stype-47\/produit?utm_source=academie&amp;utm_medium=article\">Panda chinoise<\/a> et la solide <a href=\"https:\/\/www.aucoffre.com\/or\/vera-valor-cours-legal?utm_source=academie&amp;utm_medium=article\">Vera Valor<\/a>, il existe un large choix de pi\u00e8ces d\u2019or. Les formats sont multiples&nbsp;: certaines pi\u00e8ces contiennent une once d\u2019or (<a href=\"https:\/\/www.aucoffre.com\/academie\/pieces-bullions-or-investissement\/\">les pi\u00e8ces bullions<\/a>), quand d\u2019autres pi\u00e8ces d\u2019or contiennent quelques grammes de m\u00e9tal pr\u00e9cieux. La <a href=\"https:\/\/www.aucoffre.com\/recherche\/metal-1\/marketing_list-5\/stype-22\/produit?utm_source=academie&amp;utm_medium=article\">Napol\u00e9on 5 francs<\/a>, par exemple, contient 1,45 gramme d\u2019or.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme les caract\u00e9ristiques des pi\u00e8ces varient, les points forts de celles-ci r\u00e9pondent \u00e0 <strong>des objectifs diff\u00e9rents<\/strong>. Des petites pi\u00e8ces, plus accessibles, permettent de constituer un patrimoine en or avec un petit budget. C\u2019est le cas de la <a href=\"https:\/\/www.aucoffre.com\/recherche\/metal-1\/marketing_list-4\/stype-341\/produit?utm_source=academie&amp;utm_medium=article\">Vera Valor 1\/20<sup>e<\/sup> d\u2019once<\/a>, qui s\u2019\u00e9change autour de 265 euros mi-mars 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des pi\u00e8ces universellement reconnues, comme la <a href=\"https:\/\/www.aucoffre.com\/or\/napoleon?utm_source=academie&amp;utm_medium=article\">pi\u00e8ce d\u2019or Napol\u00e9on<\/a> ou <a href=\"https:\/\/www.aucoffre.com\/or\/souverain?utm_source=academie&amp;utm_medium=article\">le Souverain britannique<\/a>, se revendent tr\u00e8s facilement. Certaines pi\u00e8ces b\u00e9n\u00e9ficient d\u2019un <a href=\"https:\/\/www.aucoffre.com\/academie\/quest-ce-que-la-prime-dune-piece-dor\/\">potentiel de prime<\/a> important, c\u2019est-\u00e0-dire que leur valeur augmente en temps de crise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ici aussi, <strong>la diversification est la cl\u00e9<\/strong>. Il s\u2019agit de profiter au mieux des caract\u00e9ristiques de chaque pi\u00e8ce.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">En savoir plus&nbsp;: <a href=\"https:\/\/www.aucoffre.com\/academie\/commencer-investir-or-physique\/\">Comment commencer \u00e0 investir dans l\u2019or physique&nbsp;?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c0 quel rythme acheter de l\u2019or&nbsp;?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La constitution d\u2019un patrimoine en or s\u2019envisage sur le long terme\u2026 et c\u2019est aussi un investissement qui se con\u00e7oit de mani\u00e8re progressive. Des sp\u00e9cialistes comme Tradosaure recommandent la m\u00e9thode du DCA, le Dollar Cost Averaging. Il s\u2019agit pr\u00e9cis\u00e9ment d\u2019un <strong>investissement progressif dans le temps<\/strong>, qui consiste \u00e0 acheter de l\u2019or r\u00e9guli\u00e8rement, en s\u00e9lectionnant un montant qui correspond au budget souhait\u00e9. Cette m\u00e9thode permet d\u2019investir en \u00e9vitant les d\u00e9cisions impulsives, et de lisser la hausse ou la baisse du <a href=\"https:\/\/www.aucoffre.com\/cours-or?utm_source=academie&amp;utm_medium=article\">cours de l\u2019or<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans un contexte d\u2019incertitudes \u00e9conomiques et g\u00e9opolitiques, se constituer un patrimoine devient un enjeu cl\u00e9 pour s\u00e9curiser l\u2019avenir. Quelle place occupe l\u2019or parmi les solutions d\u2019investissement sur le long terme&nbsp;? Pourquoi le m\u00e9tal pr\u00e9cieux est-il si recherch\u00e9 par les investisseurs&nbsp;? \u00c0 l\u2019occasion de la Semaine de l\u2019\u00e9ducation financi\u00e8re, l\u2019Acad\u00e9mie d\u00e9crypte les caract\u00e9ristiques d\u2019un actif qui [&hellip;]<\/p>\n","protected":false},"author":33,"featured_media":4872,"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":[],"niveau":[],"class_list":["post-4856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investir"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investissement de long terme : pourquoi l\u2019or est-il incontournable ?<\/title>\n<meta name=\"description\" content=\"Quelle place occupe l\u2019or parmi les solutions d\u2019investissement sur le long terme ? 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