{"id":105764,"date":"2025-03-03T06:57:44","date_gmt":"2025-03-03T11:57:44","guid":{"rendered":"https:\/\/www.finance-investissement.com\/?p=105764"},"modified":"2025-03-03T06:57:44","modified_gmt":"2025-03-03T11:57:44","slug":"le-compte-cheque-nest-pas-fait-pour-epargner","status":"publish","type":"post","link":"https:\/\/www.finance-investissement.com\/nouvelles\/produits-et-assurance\/le-compte-cheque-nest-pas-fait-pour-epargner\/","title":{"rendered":"Le compte ch\u00e8que n\u2019est pas fait pour \u00e9pargner"},"content":{"rendered":"<p>La moiti\u00e9 des Qu\u00e9b\u00e9cois (50\u00a0%) utilisent leur compte ch\u00e8ques pour \u00e9pargner, mais \u00e0 peine 26\u00a0% de ces d\u00e9p\u00f4ts g\u00e9n\u00e8rent des int\u00e9r\u00eats.<\/p>\n<p>C\u2019est l\u2019un des constats d\u2019un r\u00e9cent sondage command\u00e9 par la Banque EQ, qui met en lumi\u00e8re un \u00e9cart significatif entre les pratiques d\u2019\u00e9pargne et les objectifs financiers des citoyens.<\/p>\n<p>Pourtant, l\u2019\u00e9pargne demeure une priorit\u00e9 puisque 86\u00a0% des Qu\u00e9b\u00e9cois mettent de l\u2019argent de c\u00f4t\u00e9, notamment\u00a0:<\/p>\n<ul>\n<li>pour des voyages (60\u00a0%),<\/li>\n<li>un fonds d\u2019urgence (57\u00a0%)<\/li>\n<li>ou des r\u00e9novations r\u00e9sidentielles (38\u00a0%).<\/li>\n<\/ul>\n<p>Ce manque d\u2019optimisation des placements repr\u00e9sente un enjeu \u00e0 l\u2019heure o\u00f9 les taux d\u2019int\u00e9r\u00eat sont au c\u0153ur des strat\u00e9gies financi\u00e8res.<\/p>\n<p>C\u2019est dans ce contexte que la Banque EQ lance son Compte d\u2019\u00e9pargne \u00e0 pr\u00e9avis au Qu\u00e9bec. Cette nouvelle offre, qui promet jusqu\u2019\u00e0 sept fois plus d\u2019int\u00e9r\u00eats que les comptes d\u2019\u00e9pargne traditionnels, propose des taux de 3\u00a0% et 3,05\u00a0% selon que le client choisisse un pr\u00e9avis de retrait de 10 ou 30\u00a0jours.<\/p>\n<p>Ce compte leur offre une option qui maximise leur argent tout en conservant une certaine flexibilit\u00e9, souligne Mahima Poddar, chef de groupe, Services bancaires aux particuliers chez EQ.<\/p>\n<p>Le sondage a \u00e9t\u00e9 men\u00e9 en ligne en janvier aupr\u00e8s de 1\u2009515\u00a0membres du Forum Angus Reid.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cela entra\u00eene des rendements manqu\u00e9s importants, selon un sondage. <\/p>\n","protected":false},"author":73596,"featured_media":102333,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[520,521],"tags":[21387],"yst_prominent_words":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/posts\/105764"}],"collection":[{"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/users\/73596"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/comments?post=105764"}],"version-history":[{"count":1,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/posts\/105764\/revisions"}],"predecessor-version":[{"id":105765,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/posts\/105764\/revisions\/105765"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/media\/102333"}],"wp:attachment":[{"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/media?parent=105764"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/categories?post=105764"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/tags?post=105764"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/www.finance-investissement.com\/wp-json\/wp\/v2\/yst_prominent_words?post=105764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}