{"id":61919,"date":"2025-04-15T12:01:44","date_gmt":"2025-04-15T10:01:44","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\">\n\t\t\t\t\t\t<section 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&rsquo;investissement qui consiste \u00e0 acheter un actif de mani\u00e8re p\u00e9riodique et constante, comme des actions, des fonds d&rsquo;investissement ou m\u00eame des cryptomonnaies, ind\u00e9pendamment du prix actuel. Cela permet \u00e0 l&rsquo;investisseur d&rsquo;acheter plus d&rsquo;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 \u00ab\u00a0chronom\u00e9trer\u00a0\u00bb 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&rsquo;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&rsquo;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&rsquo;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&rsquo;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&rsquo;actif augmentent constamment, l&rsquo;investisseur pourrait avoir obtenu de meilleurs rendements en effectuant un investissement initial unique plut\u00f4t qu&rsquo;en l&rsquo;\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&rsquo;elle soit fr\u00e9quemment utilis\u00e9e dans les march\u00e9s actions ou fonds, elle peut \u00e9galement \u00eatre appliqu\u00e9e dans d&rsquo;autres contextes, tels que l&rsquo;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&rsquo;est un outil efficace pour r\u00e9duire les risques et \u00e9tablir une base solide dans toute strat\u00e9gie d&rsquo;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 class=\"elementor-section elementor-top-section elementor-element elementor-element-aa563c5 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"aa563c5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\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&rsquo;investissement qui consiste \u00e0 acheter un actif de mani\u00e8re p\u00e9riodique et constante, comme des actions, des fonds d&rsquo;investissement ou m\u00eame des cryptomonnaies, ind\u00e9pendamment du prix actuel. Cela permet \u00e0 l&rsquo;investisseur d&rsquo;acheter plus d&rsquo;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"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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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