{"id":61919,"date":"2026-06-26T14:57:35","date_gmt":"2026-06-26T12:57:35","guid":{"rendered":"https:\/\/blog.urbanitae.com\/dollar-cost-averaging\/"},"modified":"2025-04-25T11:35:16","modified_gmt":"2025-04-25T09:35:16","slug":"dollar-cost-averaging","status":"publish","type":"page","link":"https:\/\/blog.urbanitae.com\/fr\/glossaire\/dollar-cost-averaging\/","title":{"rendered":"Dollar-cost averaging"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61919\" class=\"elementor elementor-61919 elementor-59852\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d86d887 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d86d887\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b49ddd\" data-id=\"8b49ddd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-083b30b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"083b30b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>De quoi s\u2019agit-il ?<\/h3><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Le dollar-cost averaging est une technique d&#8217;investissement qui consiste \u00e0 acheter un actif de mani\u00e8re p\u00e9riodique et constante, comme des actions, des fonds d&#8217;investissement ou m\u00eame des cryptomonnaies, ind\u00e9pendamment du prix actuel. Cela permet \u00e0 l&#8217;investisseur d&#8217;acheter plus d&#8217;actifs lorsque les prix sont bas et moins lorsque les prix sont \u00e9lev\u00e9s, en moyennant ainsi le co\u00fbt au fil du temps. <\/p><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Cette strat\u00e9gie est utilis\u00e9e pour att\u00e9nuer les effets de la volatilit\u00e9 du march\u00e9, car elle \u00e9vite la n\u00e9cessit\u00e9 de tenter de &#8220;chronom\u00e9trer&#8221; le march\u00e9, ce qui peut \u00eatre impr\u00e9visible m\u00eame pour les investisseurs les plus exp\u00e9riment\u00e9s. En investissant des montants r\u00e9guliers \u00e0 des intervalles d\u00e9finis, les investisseurs r\u00e9duisent l&#8217;impact des fluctuations des prix des actifs. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11c28c4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11c28c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Principaux aspects \u00e0 prendre en compte<\/h3>\n<p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Le <strong>dollar-cost averaging <\/strong>pr\u00e9sente plusieurs avantages :<\/p>\n\n<ul>\n \t<li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>R\u00e9duction du risque :<\/strong> En r\u00e9partissant les achats au fil du temps, on minimise l&#8217;impact des baisses soudaines du march\u00e9.<\/li>\n \t<li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Discipline d&#8217;investissement :<\/strong> La p\u00e9riodicit\u00e9 encourage une strat\u00e9gie constante, \u00e9liminant ainsi les d\u00e9cisions impulsives bas\u00e9es sur les \u00e9motions.<\/li>\n \t<li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Acc\u00e8s \u00e0 des prix moyenn\u00e9s :<\/strong> Elle permet de lisser le co\u00fbt de l&#8217;investissement, ce qui est plus favorable \u00e0 long terme dans les march\u00e9s volatils.<\/li>\n<\/ul>\n<p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Cependant, cette strat\u00e9gie pr\u00e9sente \u00e9galement des limites. Par exemple, si les prix de l&#8217;actif augmentent constamment, l&#8217;investisseur pourrait avoir obtenu de meilleurs rendements en effectuant un investissement initial unique plut\u00f4t qu&#8217;en l&#8217;\u00e9talant. <\/p>\n<p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Cette technique est particuli\u00e8rement utile pour les investisseurs \u00e0 long terme qui cherchent \u00e0 constituer un portefeuille diversifi\u00e9 avec une approche disciplin\u00e9e. Bien qu&#8217;elle soit fr\u00e9quemment utilis\u00e9e dans les march\u00e9s actions ou fonds, elle peut \u00e9galement \u00eatre appliqu\u00e9e dans d&#8217;autres contextes, tels que l&#8217;investissement immobilier fractionn\u00e9 ou le crowdfunding immobilier. <\/p>\n<p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Le dollar-cost averaging ne garantit pas de rendements, mais c&#8217;est un outil efficace pour r\u00e9duire les risques et \u00e9tablir une base solide dans toute strat\u00e9gie d&#8217;investissement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-aa563c5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"aa563c5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41114ac\" data-id=\"41114ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43f7095 elementor-widget elementor-widget-html\" data-id=\"43f7095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"qode-advanced-call-to-action qode-advanced-cta-gradient qode-advanced-cta-gradient-animation\" style=\"height:80px\">\r\n            <a class=\"advanced-cta-link\" href=\"https:\/\/mkt.urbanitae.com\/Urbanitae_suscripcion_newsletter.html?utm_source=blog&amp;utm_medium=link_blog&amp;utm_campaign=suscripcion_blog&amp;utm_content=boton\" target=\"_blank\" onclick=\"dataLayer.push({'event': 'ub_ga4_event', 'ub_ga4_event_name': 'newsletter', 'ub_ga4_event_element': 'aprende'})\"><\/a>\r\n            <div class=\"qode-advanced-cta-content\">\r\n                <span class=\"qode-advanced-cta-text-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n Abonnez-vous \u00e0 notre Newsletter <\/span>\r\n                <span class=\"qode-advanced-cta-icon-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n                    <span class=\"qode-advanced-cta-icon-holder-table\">\r\n                        <span class=\"qode-advanced-cta-icon-holder-cell\">\r\n                            <i class=\"qode_icon_font_awesome_5 fa5 fa fa-envelope-open-text qode-advanced-cta-icon\"><\/i> <\/span>\r\n                    <\/span>\r\n                <\/span>\r\n            <\/div>\r\n            <div class=\"qode-advanced-cta-background-holder\">\r\n                <span class=\"qode-advanced-cta-background-1 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-2 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-3\"><\/span>\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>De quoi s\u2019agit-il ? Le dollar-cost averaging est une technique d&#8217;investissement qui consiste \u00e0 acheter un actif de mani\u00e8re p\u00e9riodique et constante, comme des actions, des fonds d&#8217;investissement ou m\u00eame des cryptomonnaies, ind\u00e9pendamment du prix actuel. Cela permet \u00e0 l&#8217;investisseur d&#8217;acheter plus d&#8217;actifs lorsque les prix sont bas et moins lorsque les prix sont \u00e9lev\u00e9s, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":62174,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-61919","page","type-page","status-publish","hentry"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":7}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dollar-cost averaging - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Il s\u2019agit d\u2019une technique d\u2019investissement qui consiste \u00e0 acheter un actif, comme des actions ou des fonds communs de placement, p\u00e9riodiquement et constamment, quel que soit le prix actuel de l\u2019actif.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/fr\/glossaire\/dollar-cost-averaging\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dollar-cost averaging - 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