{"id":253,"date":"2015-12-01T19:35:03","date_gmt":"2015-12-01T19:35:03","guid":{"rendered":"http:\/\/wdsinvest.com\/?page_id=253"},"modified":"2017-11-02T19:15:52","modified_gmt":"2017-11-02T19:15:52","slug":"faq","status":"publish","type":"page","link":"https:\/\/wdsinvest.com\/fr\/wds-resources\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"
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Voici une s\u00e9lection de questions fr\u00e9quemment abord\u00e9es lors d\u2019un entretien de profilage client. Si vous ne savez toujours pas \u00e0 quoi vous attendre, envoyez-nous simplement un e-mail pour en savoir plus.<\/h1>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>
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1. Vous aider \u00e0 identifier vos objectifs sp\u00e9cifiques pour vos investissements.<\/span><\/i><\/a><\/h4><\/div>
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Une strat\u00e9gie d'investissement commence par l'identification de vos buts et objectifs. Les objectifs peuvent prendre de nombreuses formes : maintenir votre niveau de vie jusqu\u2019\u00e0 la retraite, financer les \u00e9tudes postsecondaires de vos enfants ou laisser un h\u00e9ritage \u00e0 la prochaine g\u00e9n\u00e9ration. Mais ils doivent \u00eatre explicites et hi\u00e9rarchis\u00e9s.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

2. Menez un entretien approfondi pour bien comprendre votre agenda financier.<\/span><\/i><\/a><\/h4><\/div>
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Une bonne gestion des risques exige que vous vous pr\u00e9serviez des risques insoutenables qui pourraient changer votre vie pour toujours, comme une invalidit\u00e9 totale ou un d\u00e9c\u00e8s pr\u00e9matur\u00e9. Ces \u00ab besoins cach\u00e9s \u00bb sont des \u00e9l\u00e9ments prioritaires qui doivent \u00eatre satisfaits avec les professionnels appropri\u00e9s.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

3. D\u00e9crivez la nature ou les types de comptes qui vous conviennent le mieux.<\/span><\/i><\/a><\/h4><\/div>
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Les clients priv\u00e9s ont besoin d'une gamme compl\u00e8te de types de comptes pour r\u00e9pondre \u00e0 une planification plus complexe : particuliers (enregistr\u00e9s et non enregistr\u00e9s), d'entreprise et de fiducie. Un portefeuille d\u2019investissement distinct \u2013 non m\u00e9lang\u00e9 aux actifs d\u2019autres investisseurs \u2013 offre la possibilit\u00e9 de contr\u00f4ler les transactions et les co\u00fbts.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

4. Vous aider \u00e0 dresser un tableau clair de votre situation financi\u00e8re actuelle.<\/span><\/i><\/a><\/h4><\/div>
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Vous avez besoin d\u2019un cadre pour \u00e9valuer votre situation financi\u00e8re globale. Un simple relev\u00e9 personnel de la valeur nette \u00e9num\u00e9rera les actifs et les passifs courants. Pour \u00eatre complet, il doit \u00e9galement inclure les actifs implicites, comme la valeur estim\u00e9e de vos futures prestations de retraite. Votre capacit\u00e9 \u00e0 accepter le risque augmente avec votre niveau de richesse.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

5. Renseignez-vous sur votre situation professionnelle, la composition de vos revenus et la stabilit\u00e9 attendue de vos revenus.<\/span><\/i><\/a><\/h4><\/div>
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Les facteurs situationnels, comme la stabilit\u00e9 des revenus, sont un autre \u00e9l\u00e9ment de votre profil de risque : votre capacit\u00e9 \u00e0 g\u00e9rer des r\u00e9sultats inf\u00e9rieurs \u00e0 la moyenne.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

6. Utilisez un questionnaire et un entretien pour vous aider \u00e0 comprendre votre tol\u00e9rance personnelle au risque financier.<\/span><\/i><\/a><\/h4><\/div>
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Votre volont\u00e9 de prendre des risques en mati\u00e8re d\u2019investissement est \u00e9troitement li\u00e9e \u00e0 votre tol\u00e9rance \u00e0 la volatilit\u00e9 ou \u00e0 la souffrance d\u2019une perte. Le profilage des risques est une \u00e9tape importante dans l\u2019\u00e9laboration d\u2019un plan adapt\u00e9 \u00e0 vos exigences individuelles en mati\u00e8re de risque.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

7. D\u00e9crivez les diff\u00e9rents types de risques d'investissement dont vous devriez tenir compte lorsque vous prenez une d\u00e9cision d'investissement.<\/span><\/i><\/a><\/h4><\/div>
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La mauvaise nouvelle est qu\u2019il n\u2019existe pas d\u2019investissement totalement s\u00fbr ; uniquement des investissements pr\u00e9sentant diff\u00e9rents types de risques. La bonne nouvelle est que les risques peuvent \u00eatre g\u00e9r\u00e9s en toute s\u00e9curit\u00e9.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

8. Renseignez-vous sur vos attentes en mati\u00e8re de taux de rendement.<\/span><\/i><\/a><\/h4><\/div>
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Votre objectif de taux de rendement doit \u00eatre coh\u00e9rent avec votre tol\u00e9rance au risque. Votre rendement attendu ne devrait pas n\u00e9cessiter plus de risques que ce que vous pouvez raisonnablement supporter.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

9. Comprenez votre calendrier d\u2019investissement, c\u2019est-\u00e0-dire dans combien de temps vous aurez besoin d\u2019acc\u00e9der \u00e0 votre argent.<\/span><\/i><\/a><\/h4><\/div>
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Votre calendrier d\u00e9termine s\u2019il faut \u00e9pargner (pr\u00e9server vos actifs) ou investir (tenter de les faire cro\u00eetre). Un mauvais calcul de votre calendrier peut s'av\u00e9rer co\u00fbteux si vous devez vendre des titres aux prix en vigueur sur le march\u00e9 pour r\u00e9pondre \u00e0 des besoins \u00e0 court terme.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

10. Cr\u00e9ez une strat\u00e9gie efficace d\u2019att\u00e9nuation fiscale pour vos diff\u00e9rents v\u00e9hicules d\u2019investissement.<\/span><\/i><\/a><\/h4><\/div>
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\u00catre sensible aux diff\u00e9rents traitements fiscaux accord\u00e9s aux revenus de placement est un moyen de maximiser les rendements apr\u00e8s imp\u00f4t.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>

11. Renseignez-vous sur vos autres conseillers financiers professionnels (comptables et avocats) pour vous assurer que l'ensemble de vos probl\u00e8mes financiers sont trait\u00e9s.<\/span><\/i><\/a><\/h4><\/div>
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L\u2019interaction de vos professionnels financiers garantit que les strat\u00e9gies fonctionnent de concert et non \u00e0 contre-courant. Cela signifie que les r\u00e9sultats souhait\u00e9s et les meilleurs sont obtenus.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>

<\/span><\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Here is a selection of questions frequently covered during a client profiling interview. If you are still uncertain about what to expect, simply email us to learn more. 1. Help you to identify your specific goals for your investments. An investment strategy begins with identifying your goals and objectives. Goals [\u2026]<\/span>","protected":false},"author":5,"featured_media":0,"parent":274,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-253","page","type-page","status-publish","hentry"],"yoast_head":"\nWealth Management FAQ | Watson Di Primio Steel (WDS)<\/title>\n<meta name=\"description\" content=\"Here is a selection of questions frequently covered during a client profiling interview. 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