{"id":12480,"date":"2025-06-12T08:29:11","date_gmt":"2025-06-12T08:29:11","guid":{"rendered":"https:\/\/www.sienna-im.com\/?p=12480"},"modified":"2025-10-27T13:46:00","modified_gmt":"2025-10-27T13:46:00","slug":"le-revenu-assurance-vie-et-per-preparer-sa-retraite-avec-un-profil-offensif","status":"publish","type":"post","link":"https:\/\/www.sienna-im.com\/fr\/news\/le-revenu-assurance-vie-et-per-preparer-sa-retraite-avec-un-profil-offensif\/","title":{"rendered":"Opinion : \u00ab\u00a0Assurance vie et PER : pr\u00e9parer sa retraite avec un profil offensif\u00a0\u00bb"},"content":{"rendered":"<div class=\"mb-2 mb-lg-4\">\n<p class=\"titre titre--tribune intro\"><span style=\"font-size: calc(17.7368px + 0.07018vw); font-family: poppins, Helvetica, Arial, sans-serif; font-weight: 600;\">Par <\/span><strong style=\"font-size: calc(17.7368px + 0.07018vw); font-family: poppins, Helvetica, Arial, sans-serif;\">Xavier Collot<\/strong><span style=\"font-size: calc(17.7368px + 0.07018vw); font-family: poppins, Helvetica, Arial, sans-serif; font-weight: 600;\"> &#8211; directeur g\u00e9n\u00e9ral actifs cot\u00e9s et hybrides, Sienna IM pour <\/span><a style=\"font-size: calc(17.7368px + 0.07018vw); font-family: poppins, Helvetica, Arial, sans-serif; font-weight: 600; background-color: #ffffff;\" href=\"https:\/\/www.lerevenu.com\/diversifier-placements\/epargne-retraite\/assurance-vie-per-reparer-retraite-profil-offensif\/\">Le Revenu<\/a><\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<div><span style=\"font-size: calc(17.7368px + 0.07018vw);\">Comment g\u00e9rer son patrimoine en vue de pr\u00e9parer sa retraite ?<\/span><\/div>\n<div><\/div>\n<div>\n<p>Cette question est d\u2019autant plus cruciale que peu d\u2019\u00e9pargnants estiment que leur future pension, issue du syst\u00e8me de retraite par r\u00e9partition, suffira pour r\u00e9pondre \u00e0 leurs besoins financiers, une fois tourn\u00e9e la page de leur vie professionnelle.<\/p>\n<p>Ce constat impose ainsi de mettre en \u0153uvre une strat\u00e9gie patrimoniale de long terme, accessible et compr\u00e9hensible, susceptible de valoriser votre capital et de le couvrir contre l\u2019inflation.<\/p>\n<p>&nbsp;<\/p>\n<h4 class=\"wysiwyg\">Allocation diversifi\u00e9e<\/h4>\n<p>Or, une strat\u00e9gie patrimoniale de long terme ne peut plus s\u2019envisager sans une allocation diversifi\u00e9e laissant une part significative aux actifs non cot\u00e9s. Une \u00e9volution encourag\u00e9e par la r\u00e9glementation.<\/p>\n<p>Depuis l\u2019entr\u00e9e en vigueur de la loi industrie verte, le 24 octobre 2024, chaque \u00e9pargnant souscrivant un contrat en gestion pilot\u00e9e dans le cadre d\u2019une assurance vie ou d\u2019un\u00a0plan d\u2019\u00e9pargne retraite (PER)\u00a0dispose d\u00e9sormais d\u2019un pourcentage minimum d\u2019actifs non cot\u00e9s, dont le seuil varie selon le profil de risque retenu et l\u2019horizon d\u2019investissement avant la date de liquidation envisag\u00e9e.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Par Xavier Collot &#8211; directeur g\u00e9n\u00e9ral actifs cot\u00e9s et hybrides, Sienna IM pour Le Revenu &nbsp; Comment g\u00e9rer son patrimoine [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":12485,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[145,73],"class_list":["post-12480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":{"file":"","file_label":"Download PDF"},"_links":{"self":[{"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/posts\/12480","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/comments?post=12480"}],"version-history":[{"count":10,"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/posts\/12480\/revisions"}],"predecessor-version":[{"id":12497,"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/posts\/12480\/revisions\/12497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/media\/12485"}],"wp:attachment":[{"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/media?parent=12480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sienna-im.com\/fr\/wp-json\/wp\/v2\/categories?post=12480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}