{"id":1660,"date":"2022-07-28T00:00:00","date_gmt":"2022-07-28T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2022\/07\/28\/three-ways-to-avoid-making-emotionally-charged-financial-decisions\/"},"modified":"2023-11-01T10:48:51","modified_gmt":"2023-11-01T14:48:51","slug":"three-ways-to-avoid-making-emotionally-charged-financial-decisions","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/three-ways-to-avoid-making-emotionally-charged-financial-decisions","title":{"rendered":"Trois fa\u00e7ons d\u2019\u00e9viter de prendre des d\u00e9cisions financi\u00e8res sous le coup de l\u2019\u00e9motion"},"content":{"rendered":"<p>Un tourbillon d&rsquo;&eacute;motions peut influencer votre approche de la prise de d&eacute;cision. Pendant ces p&eacute;riodes hautes en couleur, les investisseurs ont tendance &agrave; prendre des d&eacute;cisions en fonction d&rsquo;objectifs &agrave; court terme, sans prendre en consid&eacute;ration les implications &agrave; long terme. Ces observations s&rsquo;appliquent &eacute;galement &agrave; vos choix financiers. Bien qu&rsquo;il puisse &ecirc;tre difficile d&rsquo;observer un recul de votre portefeuille, dites-vous qu&rsquo;il est encore plus difficile de se remettre d&rsquo;une s&eacute;rie de d&eacute;cisions inopportunes.<\/p>  <figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wp-content\/uploads\/sites\/6\/2022\/07\/emotional-investing-FR.jpg\" alt=\"emotional investing FR\" class=\"wp-image-1661\" width=\"1024\" height=\"850\" srcset=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wp-content\/uploads\/sites\/6\/2022\/07\/emotional-investing-FR.jpg 1380w, https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wp-content\/uploads\/sites\/6\/2022\/07\/emotional-investing-FR.jpg?resize=300,249 300w, https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wp-content\/uploads\/sites\/6\/2022\/07\/emotional-investing-FR.jpg?resize=768,638 768w, https:\/\/www.rbcwealthmanagement.com\/fr-ca\/wp-content\/uploads\/sites\/6\/2022\/07\/emotional-investing-FR.jpg?resize=1024,850 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>  <p>Il est important de garder &agrave; l&rsquo;esprit que, pour atteindre vos objectifs financiers, vous devez garder votre calme et rester disciplin&eacute; &agrave; long terme, quelles que soient les conditions du march&eacute;.<\/p> <p>Voici quelques suggestions sur la fa&ccedil;on de mieux g&eacute;rer vos &eacute;motions et, par cons&eacute;quent, votre planification strat&eacute;gique et vos d&eacute;cisions&nbsp;:<\/p> <h2>1. Posez-vous les grandes questions<\/h2> <p>En p&eacute;riode de volatilit&eacute; des march&eacute;s, il peut &ecirc;tre utile de passer vos objectifs en revue pour voir si quelque chose a chang&eacute;. Posez-vous les questions suivantes&nbsp;:<\/p> <ul> <li>Mes objectifs sont-ils toujours les m&ecirc;mes maintenant que mes placements ont perdu de la valeur&nbsp;?<\/li> <li>Mes besoins financiers &agrave; court terme peuvent-ils attendre, ou ai-je d&rsquo;autres sources de liquidit&eacute;s pour me permettre de conserver les placements plus longtemps&nbsp;?<\/li> <li>Mon portefeuille correspond-il &agrave; mon profil de risque et &agrave; mon horizon de placement pour des situations o&ugrave; je pourrais avoir besoin de l&rsquo;argent&nbsp;?<\/li> <li>Mon portefeuille est-il assez diversifi&eacute;&nbsp;?<\/li> <\/ul> <p>Si vous r&eacute;pondez &laquo;&nbsp;oui&nbsp;&raquo; &agrave; ces questions, demandez-vous pourquoi un changement vous para&icirc;t n&eacute;cessaire, vu les risques encourus au cas o&ugrave; la d&eacute;cision s&rsquo;av&eacute;rerait mauvaise. Si la seule chose qui a chang&eacute; est la valeur actuelle de votre portefeuille, votre plan &agrave; long terme doit-il vraiment en tenir compte&nbsp;? En prenant du recul &agrave; l&rsquo;aide de ces questions, vous pouvez recentrer votre attention et surmonter votre inqui&eacute;tude temporaire. Toutefois, si vous r&eacute;pondez &laquo;&nbsp;non&nbsp;&raquo; &agrave; l&rsquo;une de ces questions, veuillez discuter des changements avec votre conseiller. Il examinera votre plan et travaillera avec vous pour l&rsquo;adapter au besoin.<\/p> <h2>2. &Eacute;vitez d&rsquo;examiner constamment vos placements<\/h2> <p>Avez-vous l&rsquo;habitude de v&eacute;rifier quotidiennement votre portefeuille&nbsp;? L&rsquo;une des fa&ccedil;ons d&rsquo;att&eacute;nuer l&rsquo;incidence de la volatilit&eacute; du march&eacute; sur vos &eacute;motions consiste tout simplement &agrave; prendre connaissance moins souvent de l&rsquo;&eacute;tat de vos placements et &agrave; vous concentrer plut&ocirc;t sur votre plan patrimonial dans son ensemble. La volatilit&eacute; du march&eacute; est g&eacute;n&eacute;ralement plus forte sur de courtes p&eacute;riodes. Par cons&eacute;quent, les fluctuations de la valeur de vos placements vous para&icirc;tront d&rsquo;autant plus importantes que vous les suivez de pr&egrave;s. Si vous examinez votre portefeuille moins souvent, vous serez plus susceptible de voir les tendances &agrave; long terme.<\/p> <h2>3. Parlez &agrave; un conseiller<\/h2> <p>La plupart des conseillers ont d&eacute;j&agrave; connu plusieurs cycles du march&eacute; et travers&eacute; des turbulences. Un conseiller capable de vous faire profiter de son expertise et de son exp&eacute;rience et de vous conseiller dans les moments difficiles peut grandement vous aider &agrave; maintenir votre plan sur la bonne voie.<\/p> <h2>Songez-vous &agrave; liquider vos actifs&nbsp;?<\/h2> <p>Si vous songez &agrave; remplacer vos placements par des liquidit&eacute;s, il ne faut pas oublier que lorsque l&rsquo;inflation est forte, le fait de disposer de liquidit&eacute;s exc&eacute;dentaires se traduit normalement par des rendements r&eacute;els n&eacute;gatifs. Voici quelques points &agrave; prendre en compte&nbsp;:<\/p> <ul> <li>Quel est le plan que j&rsquo;adopterai pour r&eacute;int&eacute;grer les march&eacute;s&nbsp;?<\/li> <li>Quelles sont les cons&eacute;quences fiscales de ma d&eacute;cision&nbsp;?<\/li> <li>Que devrais-je faire avec mon &eacute;pargne pendant ce temps&nbsp;?<\/li> <li>Pendant combien de temps puis-je rester hors des march&eacute;s tout en m&rsquo;assurant que mes objectifs sont toujours atteignables&nbsp;?<\/li> <li>Comment saurai-je quand vient le moment de revenir sur le march&eacute; boursier sans risque&nbsp;?<\/li> <li>Si je r&eacute;int&egrave;gre le march&eacute;, comment puis-je &ecirc;tre plus &agrave; l&rsquo;aise avec la volatilit&eacute; &agrave; l&rsquo;avenir&nbsp;?<\/li> <\/ul> <p>Les r&eacute;sultats ant&eacute;rieurs r&eacute;v&egrave;lent qu&rsquo;il est g&eacute;n&eacute;ralement loin d&rsquo;&ecirc;tre id&eacute;al de vendre au cours des p&eacute;riodes de baisse dans l&rsquo;espoir de revenir sur le march&eacute; au moment o&ugrave; les r&eacute;sultats seront positifs. Cela dit, la volatilit&eacute; des march&eacute;s peut procurer des occasions de rep&eacute;rer les achats &agrave; bon compte, mais aussi entra&icirc;ner des pertes qui annuleront des gains.<\/p> <h2>Choses &agrave; faire et &agrave; ne pas faire pour ma&icirc;triser les &eacute;motions<\/h2> <ul> <li><strong>Demandez <\/strong>conseil.<\/li> <li><strong>Comprenez<\/strong> vos objectifs, votre profil de risque et votre horizon de placement.<\/li> <li><strong>Trouvez<\/strong> des renseignements n&eacute;cessaires sur vos placements (rapports d&rsquo;analyste, &eacute;tats financiers, etc.).<\/li> <li><strong>Gardez<\/strong> le cap sur votre plan patrimonial personnalis&eacute;.<\/li> <li><strong>Ne paniquez pas et n&rsquo;agissez pas <\/strong>avant de comprendre les r&eacute;percussions de votre d&eacute;cision.<\/li> <li><strong>N&rsquo;examinez pas<\/strong> vos placements trop souvent.<\/li> <\/ul> <h2>Ma&icirc;trisez vos &eacute;motions<\/h2> <p>Il ne faudrait pas que l&rsquo;incertitude et les p&eacute;riodes de volatilit&eacute; nuisent aux plans patrimoniaux. Le fait de r&eacute;agir sous le coup de l&rsquo;&eacute;motion complique souvent le processus. Plus vous essayez de d&eacute;cider du moment opportun pour investir selon l&rsquo;&eacute;tat des march&eacute;s, plus vous risquez d&rsquo;empirer votre situation.<\/p> <p>M&ecirc;me si la planification patrimoniale repose sur des faits et des chiffres, il importe &eacute;galement de tenir compte de vos sentiments et de vos croyances &agrave; l&rsquo;&eacute;gard de l&rsquo;argent. Presque tout ce que nous faisons n&eacute;cessite de l&rsquo;argent, sous une forme ou une autre, mais il s&rsquo;agit d&rsquo;un sujet extr&ecirc;mement personnel. Nous consacrons &eacute;norm&eacute;ment de temps &agrave; en gagner, et les humains sont des cr&eacute;atures &eacute;motives par nature.<\/p> <p>Lorsque votre patrimoine s&rsquo;accro&icirc;t, il est indispensable de travailler avec un conseiller qui peut vous faire profiter de son exp&eacute;rience et de ses points de vue pour vous aider &agrave; prendre des d&eacute;cisions financi&egrave;res judicieuses.<\/p>","protected":false},"excerpt":{"rendered":"<p>Bien qu\u2019il puisse \u00eatre difficile d\u2019observer un recul de votre portefeuille, dites-vous qu\u2019il est encore plus difficile de se remettre des d\u00e9cisions inopportunes.<\/p>\n","protected":false},"author":0,"featured_media":1663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[517],"tags":[122],"rbcwm_content_owner":[],"rbcwm_need":[547],"rbcwm_segment":[538],"rbcwm_solution":[550],"rbcwm_topic":[553],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vos-finances","tag-wealth-planning","rbcwm_need-preservation","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-education"],"acf":{"rbcwm_subtitle":"Bien qu\u2019il puisse \u00eatre difficile d\u2019observer un recul de votre portefeuille, 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