{"id":30326,"date":"2026-02-20T17:47:34","date_gmt":"2026-02-20T22:47:34","guid":{"rendered":"https:\/\/graceful-badlands-9585-xmf.1wp.site\/long-term-investing-in-canada-why-discipline-matters-more-than-panic\/"},"modified":"2026-02-20T18:01:09","modified_gmt":"2026-02-20T23:01:09","slug":"long-term-investing-in-canada-why-discipline-matters-more-than-panic","status":"publish","type":"post","link":"https:\/\/conseillerefinanciere.ca\/fr\/long-term-investing-in-canada-why-discipline-matters-more-than-panic\/","title":{"rendered":"Investissement \u00e0 long terme au Canada : pourquoi la discipline est plus importante que la panique"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"612\" height=\"791\" src=\"https:\/\/conseillerefinanciere.ca\/wp-content\/uploads\/2026\/02\/RESTEZ-INVESTIS_FR.png\" alt=\"Restez Investis au Canada\" class=\"wp-image-30329\" style=\"box-shadow:var(--wp--preset--shadow--natural);width:576px;height:auto\" srcset=\"https:\/\/conseillerefinanciere.ca\/wp-content\/uploads\/2026\/02\/RESTEZ-INVESTIS_FR.png 612w, https:\/\/conseillerefinanciere.ca\/wp-content\/uploads\/2026\/02\/RESTEZ-INVESTIS_FR-480x620.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 612px, 100vw\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0Une personne qui aurait investi 400 $ par mois dans l\u2019indice S&amp;P 500 depuis 1982, de fa\u00e7on r\u00e9guli\u00e8re, aurait travers\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>6 r\u00e9cessions<\/li>\n\n\n\n<li>5 march\u00e9s baissiers importants<\/li>\n\n\n\n<li>Le \u00ab Black Monday \u00bb de 1987<\/li>\n\n\n\n<li>L\u2019\u00e9clatement de la bulle technologique<\/li>\n\n\n\n<li>Deux baisses de march\u00e9 de plus de 50 %<\/li>\n\n\n\n<li>41 hausses de taux d\u2019int\u00e9r\u00eat<\/li>\n\n\n\n<li>Une pand\u00e9mie mondiale<\/li>\n\n\n\n<li>Plusieurs conflits g\u00e9opolitiques<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque p\u00e9riode \u00e9tait accompagn\u00e9e d\u2019inqui\u00e9tude et de pr\u00e9visions alarmistes sur \u00ab la fin de l\u2019\u00e9conomie \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Malgr\u00e9 cela, \u00e0 la fin de 2024, le capital accumul\u00e9 aurait \u00e9t\u00e9 d\u2019environ 5,2 millions de dollars.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce n\u2019est ni une promesse ni une garantie.<br>C\u2019est une illustration de l\u2019impact du temps et de la constance dans ce cas pr\u00e9cis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi c\u2019est important<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investir au Canada ne consiste pas seulement \u00e0 choisir des fonds ou des actions.<br>Il s\u2019agit de structurer et prot\u00e9ger votre capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie solide doit tenir compte :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de l\u2019horizon de placement<\/li>\n\n\n\n<li>de l\u2019\u00e2ge<\/li>\n\n\n\n<li>de la fiscalit\u00e9<\/li>\n\n\n\n<li>du niveau de risque<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Au Qu\u00e9bec, la fiscalit\u00e9 comporte des particularit\u00e9s provinciales qui doivent \u00eatre int\u00e9gr\u00e9es \u00e0 la planification.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019erreur fr\u00e9quente est d\u2019attendre \u00ab le bon moment \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or, les march\u00e9s ne fonctionnent pas selon nos \u00e9motions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La discipline et la r\u00e9gularit\u00e9 sont essentielles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u2019investissement n\u2019est pas une question de timing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs investisseurs tentent d\u2019entrer ou de sortir du march\u00e9 au \u00ab bon moment \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En pratique, ces d\u00e9cisions sont souvent influenc\u00e9es par l\u2019\u00e9motion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019histoire des march\u00e9s d\u00e9montre qu\u2019une strat\u00e9gie \u00e0 long terme avec des investissements r\u00e9guliers offre g\u00e9n\u00e9ralement plus de stabilit\u00e9 que les tentatives de pr\u00e9diction \u00e0 court terme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avez-vous un plan?<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Les rendements pass\u00e9s ne garantissent pas les r\u00e9sultats futurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les crises font partie du cycle \u00e9conomique.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">La question est : \u00eates-vous pr\u00e9par\u00e9?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Discutons de votre situation de fa\u00e7on personnalis\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f4de; 514-290-9338<br>&#x1f4e7; <a>elena.babiner@agc.ia.ca<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Une personne qui aurait investi 400 $ par mois dans l\u2019indice S&amp;P 500 depuis 1982, de fa\u00e7on r\u00e9guli\u00e8re, aurait travers\u00e9 : Chaque p\u00e9riode \u00e9tait accompagn\u00e9e d\u2019inqui\u00e9tude et de pr\u00e9visions alarmistes sur \u00ab la fin de l\u2019\u00e9conomie \u00bb. Malgr\u00e9 cela, \u00e0 la fin de 2024, le capital accumul\u00e9 aurait \u00e9t\u00e9 d\u2019environ 5,2 millions de dollars. Ce [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":30329,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[101],"tags":[],"class_list":["post-30326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissements"],"_links":{"self":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts\/30326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/comments?post=30326"}],"version-history":[{"count":2,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts\/30326\/revisions"}],"predecessor-version":[{"id":30332,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/posts\/30326\/revisions\/30332"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/media\/30329"}],"wp:attachment":[{"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/media?parent=30326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/categories?post=30326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/conseillerefinanciere.ca\/fr\/wp-json\/wp\/v2\/tags?post=30326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}