{"id":1117,"date":"2026-01-20T21:30:26","date_gmt":"2026-01-20T21:30:04","guid":{"rendered":"http:\/\/hykaz.net\/news\/consumer-information\/financial-education\/financial-professionals\/financial-basics\/"},"modified":"2026-09-16T08:18:38","modified_gmt":"2026-09-16T08:18:38","slug":"financial-basics","status":"publish","type":"page","link":"https:\/\/hykaz.net\/fr\/media-centre\/educational-resources\/financial-education\/financial-basics\/","title":{"rendered":"L\u2019ABC de la finance"},"content":{"rendered":"

Pourquoi les gens consacrent-ils plus de temps \u00e0 l\u2019achat d\u2019une nouvelle voiture ou \u00e0 la planification de leurs vacances qu\u2019au placement des \u00e9conomies de toute une vie? La plupart des gens savent qu\u2019ils devraient jouer un r\u00f4le plus actif dans le placement de leur argent, mais ignorent souvent par o\u00f9 commencer. Avant toute chose, il convient d\u2019assimiler les fondements essentiels.<\/p>\n\n\n\n

Pour obtenir un aper\u00e7u plus complet des renseignements destin\u00e9s aux consommateurs, consultez le site financesaviseesmanitoba.ca<\/a>.<\/p>\n\n\n\n

Les trois principes d\u2019une bonne gestion de ses finances<\/strong><\/p>\n\n\n\n

    \n
  1. 1. Conna\u00eetre sa situation. L\u2019argent a une signification diff\u00e9rente pour chacun. Il peut \u00eatre synonyme de libert\u00e9 personnelle, de s\u00e9curit\u00e9 ou de la capacit\u00e9 de s\u2019offrir les choses que l\u2019on d\u00e9sire. Quoi qu\u2019il en soit, il est important de se rappeler que personne d\u2019autre ne se soucie plus de votre argent que vous-m\u00eame. Peu importe qui g\u00e8re vos placements, vous \u00eates la seule personne qui saura si vous \u00eates \u00e0 l\u2019aise avec les choix propos\u00e9s. Et il vous incombe de faire le suivi de vos placements pour vous assurer qu\u2019ils vous conviennent toujours.<\/li>\n\n\n\n
  2. Conna\u00eetre ses objectifs. Apr\u00e8s avoir \u00e9tabli ce qui compte pour vous sur le plan financier, faites un pas de recul pour examiner la situation dans son ensemble. Comment envisagez-vous votre avenir? Fixez-vous des objectifs financiers qui passent la R.A.M.P.E.<\/li>\n<\/ol>\n\n\n\n
      \n
    • R<\/strong>\u00e9alistes<\/li>\n\n\n\n
    • A<\/strong>tteignables<\/li>\n\n\n\n
    • M<\/strong>esurables<\/li>\n\n\n\n
    • P<\/strong>r\u00e9cis et conformes \u00e0 un<\/li>\n\n\n\n
    • \u00c9<\/strong>ch\u00e9ancier donn\u00e9<\/li>\n<\/ul>\n\n\n\n\n\n

      3. Conna\u00eetre sa tol\u00e9rance au risque. Tout placement comporte un
      risque. Il est donc essentiel de conna\u00eetre votre tol\u00e9rance aux risques
      pour d\u00e9terminer les placements qui vous conviennent. Votre tol\u00e9rance
      aux risques peut d\u00e9pendre :<\/p>\n\n\n\n

        \n
      • de votre pr\u00e9f\u00e9rence entre la pr\u00e9servation du capital ou la recherche d\u2019une croissance \u00e9lev\u00e9e<\/li>\n\n\n\n
      • du moment o\u00f9 vous aurez besoin de votre argent<\/li>\n\n\n\n
      • de votre r\u00e9action \u00e0 la volatilit\u00e9 des march\u00e9s<\/li>\n\n\n\n
      • de vos dettes<\/li>\n\n\n\n
      • de l\u2019existence d\u2019autres sources de revenus sur lesquelles vous pouvez compter.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

        Why is it that people spend more time buying a new car or planning a vacation than planning for their […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1111,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-child-switcher.php","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1117","page","type-page","status-publish","hentry"],"acf":[],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"Manitoba Financial Services Agency","author_link":"https:\/\/hykaz.net\/fr\/author\/manitoba-financial-services-agency\/"},"uagb_comment_info":0,"uagb_excerpt":"Why is it that people spend more time buying a new car or planning a vacation than planning for their […]","_links":{"self":[{"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/pages\/1117","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/comments?post=1117"}],"version-history":[{"count":7,"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/pages\/1117\/revisions"}],"predecessor-version":[{"id":6742,"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/pages\/1117\/revisions\/6742"}],"up":[{"embeddable":true,"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/pages\/1111"}],"wp:attachment":[{"href":"https:\/\/hykaz.net\/fr\/wp-json\/wp\/v2\/media?parent=1117"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}