{"id":23153,"date":"2021-06-28T14:54:30","date_gmt":"2021-06-28T21:54:30","guid":{"rendered":"https:\/\/genuscap.com\/?p=23153"},"modified":"2026-03-17T13:38:30","modified_gmt":"2026-03-17T20:38:30","slug":"how-to-create-your-personal-investment-philosophy","status":"publish","type":"post","link":"https:\/\/genuscap.com\/fr\/how-to-create-your-personal-investment-philosophy\/","title":{"rendered":"Comment cr\u00e9er votre philosophie d'investissement personnelle"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"23153\" class=\"elementor elementor-23153\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56c07f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"56c07f8\" 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-034db3e\" data-id=\"034db3e\" 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-c5076f2 elementor-widget elementor-widget-heading\" data-id=\"c5076f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La formalisation de vos objectifs et de vos valeurs d'investissement peut vous aider \u00e0 rester sur la bonne voie, m\u00eame lorsque les circonstances changent.\n<\/h2>\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-06b0018 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"06b0018\" 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-d000262\" data-id=\"d000262\" 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-01beada elementor-widget elementor-widget-text-editor\" data-id=\"01beada\" 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<p>Si vous avez d\u00e9j\u00e0 rencontr\u00e9 un gestionnaire de patrimoine pour mettre en place un portefeuille d'investissement, vous connaissez sans doute certaines des questions standard qui vous sont pos\u00e9es \u00e0 l'entr\u00e9e : quels sont vos objectifs d'investissement, quel est votre horizon temporel, \u00eates-vous \u00e0 l'aise avec le risque, etc. Vos r\u00e9ponses \u00e0 ces questions constituent la base de la cr\u00e9ation de votre philosophie d'investissement personnelle.<\/p><p>Il s'agit de questions visant \u00e0 garantir que votre portefeuille atteigne vos objectifs, et tout gestionnaire de patrimoine avec lequel vous travaillez vous posera probablement une version de ces questions, ainsi que d'autres, dans le cadre de son processus d'\u00e9laboration d'une politique d'investissement en votre nom.<\/p><p>Mais avant d'avoir cette conversation - ou de remplir le formulaire - il est conseill\u00e9 de r\u00e9fl\u00e9chir \u00e0 votre propre philosophie d'investissement afin de bien comprendre non seulement votre calendrier, vos objectifs et vos risques, mais aussi vos valeurs et la mani\u00e8re dont elles se traduisent dans les types d'investissements que vous souhaitez r\u00e9aliser.<\/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-71596b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"71596b4\" 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-323eda8\" data-id=\"323eda8\" 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-5325a5b elementor-widget elementor-widget-heading\" data-id=\"5325a5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce qu'une philosophie d'investissement ?\n<\/h3>\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-d70fde7 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"d70fde7\" 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-e4d6ccc\" data-id=\"e4d6ccc\" 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-82924b6 elementor-widget elementor-widget-text-editor\" data-id=\"82924b6\" 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<p>Votre philosophie d'investissement personnelle est l'occasion de formaliser vos pens\u00e9es et vos sentiments - et de d\u00e9finir certains param\u00e8tres - sur la fa\u00e7on dont vous investissez votre argent et sur l'endroit o\u00f9 vous le faites.<\/p><p>Elle tient compte non seulement de vos objectifs et de votre calendrier, mais aussi de vos int\u00e9r\u00eats, de vos valeurs et de vos convictions quant \u00e0 l'utilit\u00e9 de vos investissements pour vous et pour la soci\u00e9t\u00e9 dans son ensemble. \"Certains investisseurs souhaitent se d\u00e9sengager sp\u00e9cifiquement des combustibles fossiles, tandis que d'autres veulent \u00e9galement \u00e9viter d'autres produits et services nocifs tels que la malbouffe, les OGM et l'\u00e9levage industriel\", explique Sue-May Talbot, gestionnaire de portefeuille et associ\u00e9e chez Genus.<\/p><p>Le fait d'avoir un plan \u00e0 long terme vous aidera \u00e0 faire face aux changements \u00e0 court terme du march\u00e9, ajoute M. Talbot. \"Il vous \u00e9vite d'entrer et de sortir du march\u00e9 - et de prendre des d\u00e9cisions \u00e9motionnelles - lorsque les choses changent.\"<\/p><p>Les changements dans la situation personnelle ou sur les march\u00e9s peuvent laisser les investisseurs d\u00e9sempar\u00e9s. Mais une philosophie d'investissement personnelle peut vous aider \u00e0 rester sur la bonne voie, m\u00eame lorsque tout le reste est en mouvement. \"Vous pouvez toujours revenir en arri\u00e8re et vous demander ce qui a chang\u00e9\", dit-elle. \"Si le seul changement est d\u00fb \u00e0 une fluctuation \u00e0 court terme du march\u00e9 et que vous avez le m\u00eame horizon temporel et les m\u00eames objectifs d'investissement, pourquoi changer votre politique d'investissement ?<\/p><p>Voici comment cr\u00e9er votre philosophie d'investissement personnelle et ce qu'il faut y mettre.<\/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-20b9e08 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"20b9e08\" 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-95f0ee6\" data-id=\"95f0ee6\" 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-499f11f elementor-widget elementor-widget-heading\" data-id=\"499f11f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-large\">Que dois-je mettre dans ma philosophie d'investissement personnelle ?\n<\/h4>\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-ef07ce6 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"ef07ce6\" 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-0c57955\" data-id=\"0c57955\" 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-c7ea384 elementor-widget elementor-widget-text-editor\" data-id=\"c7ea384\" 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<p>Une philosophie d'investissement typique s'articule autour de quatre ou cinq \u00e9l\u00e9ments d'information cl\u00e9s.<\/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-5522920 elementor-widget elementor-widget-text-editor\" data-id=\"5522920\" 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<ol><li>Vos objectifs en tant qu'investisseur, y compris les \u00e9ventuelles exigences en mati\u00e8re de revenus<\/li><li>Votre calendrier d'investissement<\/li><li>Vos attentes en mati\u00e8re de retour<\/li><li>Votre tol\u00e9rance au risque et \u00e0 la volatilit\u00e9<\/li><li>Vos croyances et\/ou valeurs<\/li><\/ol>\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-fe63386 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"fe63386\" 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-cc882fe\" data-id=\"cc882fe\" 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-9951b95 elementor-widget elementor-widget-text-editor\" data-id=\"9951b95\" 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<p>Certaines de vos r\u00e9ponses seront \u00e9videntes et beaucoup d'entre elles seront li\u00e9es. Par exemple, investissez-vous en vue de votre retraite ou cherchez-vous \u00e0 faire fructifier votre capital en vue d'un achat \u00e0 court terme ?<\/p><p>Si vous avez une trentaine ou une quarantaine d'ann\u00e9es et que vous investissez en vue de votre retraite, vous disposez d'un long d\u00e9lai pour vos placements. Cela vous permet de prendre des risques en sachant que vous disposez d'un long d\u00e9lai de croissance.<\/p><p>\"Les gens assimilent souvent l'\u00e2ge \u00e0 l'horizon temporel d'un investissement\", explique M. Talbot. \"Si vous \u00e9pargnez en vue d'un prochain achat, vous pr\u00e9f\u00e9rerez un placement \u00e0 court terme. Un investissement \u00e0 plus long terme peut \u00eatre un p\u00e9cule pour la retraite\".<\/p><p>En revanche, si vous \u00eates \u00e0 la retraite et que vous souhaitez tirer un revenu de vos placements, vous devez en tenir compte. \"Si nous devions g\u00e9n\u00e9rer des revenus, nous choisirions des investissements diff\u00e9rents\", explique M. Talbot. \"Et si vous avez besoin d'un revenu \u00e9lev\u00e9, par exemple 10% par an, vous devez savoir que cela pourrait empi\u00e9ter sur votre capital et entra\u00eener une diminution de votre investissement.<\/p><p>Enfin, pour cr\u00e9er une philosophie d'investissement personnelle compl\u00e8te, et peut-\u00eatre l\u00e0 o\u00f9 vous voulez accorder le plus d'attention, il faut tenir compte de vos croyances et de vos valeurs li\u00e9es \u00e0 votre capital d'investissement. Tout ce que vous achetez avec vos investissements est essentiellement un vote avec vos dollars en faveur de la croissance de cette entreprise ou de ce secteur. Vous devez donc vous demander si vous souhaitez que vos investissements soutiennent des secteurs qui ne correspondent pas \u00e0 vos valeurs. Par exemple, bon nombre de nos clients s'adressent \u00e0 nous pour les raisons suivantes <a href=\"https:\/\/genuscap.com\/fr\/fossil-free-impact\/\">durable<\/a> et <a href=\"https:\/\/genuscap.com\/fr\/fossil-free-impact\/linvestissement-a-impact\/\">investissements \u00e0 impact<\/a> qui se d\u00e9sengagent des industries des combustibles fossiles et qui soutiennent des actions positives en faveur de l'environnement. <a href=\"https:\/\/genuscap.com\/fr\/do-you-know-your-investment-portfolios-net-impact\/\">impact net<\/a> des organisations qui font la diff\u00e9rence dans le monde.<\/p><p>L'alignement de vos convictions et de vos valeurs sur votre philosophie d'investissement vous permet d'agir en fonction de ces valeurs et de mettre votre argent au service de la soci\u00e9t\u00e9 d'une mani\u00e8re qui soutienne l'impact que vous souhaitez avoir dans le monde.<\/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-efcd984 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"efcd984\" 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-441e5df\" data-id=\"441e5df\" 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-fa3454a elementor-widget elementor-widget-heading\" data-id=\"fa3454a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-large\">Comment l'utiliser ?\n<\/h4>\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-74f24f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"74f24f9\" 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-ded85aa\" data-id=\"ded85aa\" 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-6cd5918 elementor-widget elementor-widget-text-editor\" data-id=\"6cd5918\" 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<p>Une fois que vous savez comment cr\u00e9er votre philosophie d'investissement personnelle, vous pouvez la formaliser sur papier et l'utiliser lorsque vous travaillez avec votre gestionnaire de patrimoine pour constituer votre portefeuille. Mais ne vous arr\u00eatez pas l\u00e0 !<\/p><p>Veillez \u00e0 r\u00e9examiner votre philosophie chaque ann\u00e9e et \u00e0 la r\u00e9viser si n\u00e9cessaire, en particulier si votre situation personnelle change de mani\u00e8re significative, par exemple \u00e0 la suite d'un h\u00e9ritage ou de l'achat d'une maison.<\/p><p>\"Vous pouvez avoir la m\u00eame philosophie ou la m\u00eame politique d'investissement toute votre vie\", explique M. Talbot. \"Mais je constate souvent que la tol\u00e9rance au risque est le seul \u00e9l\u00e9ment qui change. Tant que vous n'avez pas v\u00e9cu une baisse importante, comme celle que nous avons connue au plus fort de la crise du COVID, vous ne savez pas vraiment comment vous allez r\u00e9agir. Si la peur des fluctuations du march\u00e9 vous p\u00e8se \u00e9motionnellement et vous emp\u00eache de dormir, il est peut-\u00eatre temps de r\u00e9duire votre exposition au march\u00e9. Toutefois, un plan d'investissement \u00e0 long terme bien document\u00e9 devrait aider les investisseurs \u00e0 surmonter les changements de march\u00e9 \u00e0 court terme.<\/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-0c6dbb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"0c6dbb7\" 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-2e54fe9\" data-id=\"2e54fe9\" 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-cbabbbd elementor-widget elementor-widget-heading\" data-id=\"cbabbbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-medium\">Pr\u00eat \u00e0 faire fructifier votre argent tout en ayant un impact positif sur le monde ? <\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d56b0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"63d56b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/genuscap.com\/fr\/why-genus\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">COMMENCER ICI<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-3382da3 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"3382da3\" 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-09a124b\" data-id=\"09a124b\" 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-2db88f8 elementor-widget elementor-widget-spacer\" data-id=\"2db88f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cfa4d0 elementor-widget elementor-widget-heading\" data-id=\"8cfa4d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-medium\"><strong>Explorer plus de contenu<\/strong><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-895f396 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top 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category-market-insights tag-blog\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/genuscap.com\/fr\/financial-protection-for-women-what-to-know-before-divorce\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-300x169.jpg\" class=\"attachment-medium size-medium wp-image-27112\" alt=\"\" srcset=\"https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-300x169.jpg 300w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-1024x576.jpg 1024w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-768x432.jpg 768w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-1536x864.jpg 1536w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-2048x1152.jpg 2048w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-18x10.jpg 18w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-700x394.jpg 700w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/07\/1-539x303.jpg 539w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/genuscap.com\/fr\/financial-protection-for-women-what-to-know-before-divorce\/\" >\n\t\t\t\tFinancial Protection for Women: What to Know Before Divorce\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tjuillet 3, 2026\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tPas de commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>When a relationship ends, many women find themselves navigating a new \u2013 and often challenging \u2013 financial reality. Divorce can be costly. But the financial implications go beyond legal fees and asset division.\u00a0<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/genuscap.com\/fr\/financial-protection-for-women-what-to-know-before-divorce\/\" aria-label=\"Read more about Financial Protection for Women: What to Know Before Divorce\" tabindex=\"-1\" >\n\t\t\tLire plus \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-27101 post type-post status-publish format-standard has-post-thumbnail hentry category-events tag-insurance tag-investments tag-watch-on-demand tag-webinar\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/genuscap.com\/fr\/watch-on-demand-the-state-of-sustainable-investing-2026\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"168\" src=\"https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-300x168.jpg\" class=\"attachment-medium size-medium wp-image-27102\" alt=\"\" srcset=\"https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-300x168.jpg 300w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-1024x575.jpg 1024w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-768x431.jpg 768w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-1536x862.jpg 1536w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-2048x1149.jpg 2048w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-18x10.jpg 18w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-700x393.jpg 700w, https:\/\/genuscap.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-17-160800-539x303.jpg 539w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/genuscap.com\/fr\/watch-on-demand-the-state-of-sustainable-investing-2026\/\" >\n\t\t\t\tWatch on Demand &#8211; The State of Sustainable Investing 2026\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tjuin 18, 2026\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tPas de commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>This session brings together perspectives from wealth management and elder law to help individuals and caregivers understand how to prepare for, and respond to, the financial implications of dementia and diminished capacity.<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/genuscap.com\/fr\/watch-on-demand-the-state-of-sustainable-investing-2026\/\" aria-label=\"Read more about Watch on Demand &#8211; The State of Sustainable Investing 2026\" tabindex=\"-1\" >\n\t\t\tLire plus \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-27092 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-market-insights tag-blog\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/genuscap.com\/fr\/what-values-based-investors-should-know\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-300x169.jpg\" class=\"attachment-medium size-medium wp-image-27095\" alt=\"\" srcset=\"https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-300x169.jpg 300w, https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-1024x576.jpg 1024w, https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-768x432.jpg 768w, https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-1536x864.jpg 1536w, https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-2048x1152.jpg 2048w, https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-18x10.jpg 18w, https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-700x394.jpg 700w, https:\/\/genuscap.com\/wp-content\/uploads\/2021\/02\/1-539x303.jpg 539w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/genuscap.com\/fr\/what-values-based-investors-should-know\/\" >\n\t\t\t\tGlobal Conflict and Your Investments: What Values-Based Investors Should Know\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tjuin 17, 2026\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tPas de commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Values-based investors are asking tough questions about what their money is funding. Many are looking to reduce exposure to global conflict \u2013 and to the corporations, institutions and governments connected to it.<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/genuscap.com\/fr\/what-values-based-investors-should-know\/\" aria-label=\"Read more about Global Conflict and Your Investments: What Values-Based Investors Should Know\" tabindex=\"-1\" >\n\t\t\tLire plus \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\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<\/div>","protected":false},"excerpt":{"rendered":"<p>La formalisation de vos objectifs et valeurs d'investissement peut vous aider \u00e0 rester sur la bonne voie, m\u00eame lorsque les circonstances changent Si vous avez d\u00e9j\u00e0 rencontr\u00e9 un gestionnaire de patrimoine pour mettre en place un portefeuille d'investissement, vous \u00eates probablement familier avec certaines des questions standard que l'on vous pose \u00e0 l'entr\u00e9e :...<\/p>","protected":false},"author":6,"featured_media":23154,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[21,22,29],"tags":[],"class_list":["post-23153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fossil-free","category-impact","category-innovation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Create Your Personal Investment Philosophy - Genus<\/title>\n<meta name=\"description\" content=\"How to Create Your Personal Investment Philosophy. 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