{"id":19825,"date":"2026-10-05T08:30:25","date_gmt":"2026-10-05T06:30:25","guid":{"rendered":"https:\/\/www.forbes.be\/fr\/?p=19825"},"modified":"2026-09-29T10:35:51","modified_gmt":"2026-09-29T08:35:51","slug":"le-belge-ne-super-epargne-plus-il-investit","status":"publish","type":"post","link":"https:\/\/www.forbes.be\/fr\/le-belge-ne-super-epargne-plus-il-investit\/","title":{"rendered":"Le Belge ne super-\u00e9pargne plus, il investit"},"content":{"rendered":"<p><strong>On conna\u00eet le Belge comme ayant une brique dans le ventre et r\u00e9ticent au changement, ou tout du moins plus lent \u00e0 la d\u00e9tente pour se lancer. Il \u00e9tait ainsi r\u00e9put\u00e9 pour \u00eatre un <strong>super-\u00e9pargnant<\/strong> avec beaucoup d\u2019argent accumul\u00e9 qui dort sur des <strong>comptes d\u2019\u00e9pargne<\/strong>. Mais c\u2019est d\u00e9sormais de l\u2019histoire ancienne, \u00e0 en croire une r\u00e9cente <a href=\"https:\/\/cdn.uc.assets.prezly.com\/fe58152c-6ae6-4bb5-a486-ed58edcc6783\/-\/inline\/no\/Etude%20economique%20ING_Epargne%20patrimoine%20et%20investissement%20%20le%20paradoxe%20belge%20pass%C3%A9%20au%20crible.pdf\"><strong>\u00e9tude d\u2019ING Belgique<\/strong><\/a>. Il se dirige \u00e0 pr\u00e9sent beaucoup plus massivement vers les <strong>fonds d\u2019investissement<\/strong>. Mais pourquoi un tel changement majeur ?<\/strong><\/p>\n<p>Souvenez-vous, voici trois ans l\u2019\u00e9pisode du <a href=\"https:\/\/news.belgium.be\/fr\/node\/37614\"><strong>bon d\u2019\u00c9tat \u00e0 1 an<\/strong><\/a> qui avait amass\u00e9 <strong>22 milliards d\u2019euros<\/strong>. Les taux d\u2019int\u00e9r\u00eat des comptes d\u2019\u00e9pargne en Belgique \u00e9taient au plus bas apr\u00e8s la crise du Covid, suivie du d\u00e9but de la guerre en Ukraine. Le Belge a alors fortement mobilis\u00e9 son \u00e9pargne pour tenter de la faire fructifier plut\u00f4t que de la laisser perdre de sa valeur en restant bien sagement sur un compte bancaire.<\/p>\n<p>L\u2019\u00e9volution entreprise \u00e0 ce moment ne s\u2019est pas arr\u00eat\u00e9e, loin de l\u00e0. Les Belges ne sont <strong>plus les grands \u00e9pargnants<\/strong> qu\u2019ils \u00e9taient autrefois. Ils ont consacr\u00e9 en moyenne 70 % de leur \u00e9pargne des 25 derni\u00e8res ann\u00e9es \u00e0 l\u2019immobilier, contre seulement 30 % \u00e0 l\u2019acquisition d\u2019actifs financiers. Leur <strong>taux d\u2019\u00e9pargne financi\u00e8re<\/strong>, c\u2019est-\u00e0-dire la part de leur revenu disponible qui sert \u00e0 acqu\u00e9rir des actifs financiers ou \u00e0 r\u00e9duire leurs dettes, apr\u00e8s d\u00e9duction des investissements immobiliers, atteint \u00e0 pr\u00e9sent \u00e0 peine <strong>4 %<\/strong>, contre 6 % en zone euro.<\/p>\n<p>Mais le Belge n\u2019est pas \u00ab pauvre \u00bb pour autant puisque son <strong>patrimoine financier<\/strong> s\u2019est construit sur plusieurs d\u00e9cennies et gr\u00e2ce \u00e0 un taux d\u2019\u00e9pargne longtemps \u00e9lev\u00e9. Il atteint <strong>257.000 euros nets<\/strong> en moyenne par m\u00e9nage, l\u2019une des moyennes les plus \u00e9lev\u00e9es d\u2019Europe (166.000 euros dans la zone euro).<\/p>\n<p>La comparaison avec les \u00c9tats-Unis r\u00e9v\u00e8le n\u00e9anmoins un \u00e9cart consid\u00e9rable, pointe ING <a href=\"https:\/\/cdn.uc.assets.prezly.com\/fe58152c-6ae6-4bb5-a486-ed58edcc6783\/-\/inline\/no\/Etude%20economique%20ING_Epargne%20patrimoine%20et%20investissement%20%20le%20paradoxe%20belge%20pass%C3%A9%20au%20crible.pdf\">dans son \u00e9tude<\/a>. En 2025, le <strong>patrimoine financier net moyen d\u2019un m\u00e9nage am\u00e9ricain<\/strong> atteignait environ <strong>899.000 dollars<\/strong>, soit plus de trois fois le niveau belge apr\u00e8s conversion. Cela s\u2019explique notamment par la composition du patrimoine. Les actions, les fonds et les obligations repr\u00e9sentent pr\u00e8s de la moiti\u00e9 du patrimoine financier des m\u00e9nages am\u00e9ricains, contre environ 30 % en Belgique. Les m\u00e9nages am\u00e9ricains ont ainsi \u00e9t\u00e9 davantage expos\u00e9s \u00e0 la progression des march\u00e9s.<\/p>\n<p>Depuis quelques ann\u00e9es, le Belge ne laisse cependant plus ce patrimoine dormir. Mieux encore ! Grande premi\u00e8re et v\u00e9ritable rupture avec les dix derni\u00e8res ann\u00e9es : depuis 2025, l\u2019\u00e9pargnant dirige <strong>davantage d\u2019argent vers les fonds d\u2019investissement que vers les comptes bancaires<\/strong>. En moyenne, 5,6 milliards d\u2019euros par trimestre sont vers\u00e9s dans les fonds d\u2019investissement, contre 3,5 milliards dans les d\u00e9p\u00f4ts. Les fonds attirent donc 60 % de plus que les comptes bancaires.<\/p>\n<p><em>\u00ab C\u2019est une <strong>rupture nette<\/strong> avec la d\u00e9cennie pr\u00e9c\u00e9dente. La progression des fonds (y compris ETF) est en outre plus marqu\u00e9e en Belgique que dans les autres pays de la zone euro \u00e9tudi\u00e9s. En incluant les actions cot\u00e9es et les obligations, les placements de march\u00e9 attirent d\u00e9sormais davantage de nouvelle \u00e9pargne que les d\u00e9p\u00f4ts \u00bb<\/em>, souligne <a href=\"https:\/\/be.linkedin.com\/in\/charlottedemontpellier\/fr\"><strong>Charlotte de Montpellier<\/strong><\/a>, <em>Senior Economist<\/em> chez ING Research et auteure de l\u2019\u00e9tude.<\/p>\n<p>Or ce changement de paradigme peut avoir des effets tr\u00e8s importants sur le patrimoine financier des m\u00e9nages et sur l\u2019\u00e9conomie \u00e0 long terme : d\u2019apr\u00e8s le sc\u00e9nario historique de l\u2019\u00e9tude d\u2019ING, si les Belges avaient investi un quart des nouveaux d\u00e9p\u00f4ts dans les fonds qu\u2019ils d\u00e9tiennent effectivement au cours des trente derni\u00e8res ann\u00e9es, leur <strong>patrimoine financier aurait \u00e9t\u00e9 83,3 milliards d\u2019euros plus \u00e9lev\u00e9 qu\u2019il ne l\u2019a \u00e9t\u00e9<\/strong>. Cela repr\u00e9sente tout de m\u00eame 13 % du PIB belge. Et les chiffres sont encore bien sup\u00e9rieurs si les investissements avaient \u00e9t\u00e9 faits dans des actions cot\u00e9es : 121,9 milliards d\u2019euros (19 % du PIB).<\/p>\n<p>Investir d\u2019accord, mais est-ce si simple ? Apparemment pas, puisque l\u2019\u00e9tude montre \u00e9galement que, si 43 % des Belges investissent d\u00e9j\u00e0, 24 % pourraient encore le faire (avec d\u2019ailleurs pr\u00e8s de 46 % des jeunes adultes de 18 \u00e0 24 ans pouvant \u00eatre consid\u00e9r\u00e9s comme des investisseurs potentiels). L\u2019<strong>aversion au risque<\/strong>, le <strong>manque de connaissances<\/strong> et la <strong>fiscalit\u00e9<\/strong> continuent cependant de freiner le passage \u00e0 l\u2019action vers l\u2019investissement. L\u2019incertitude fiscale est particuli\u00e8rement point\u00e9e du doigt : 20 % des Belges susceptibles d\u2019investir d\u00e9clarent avoir renonc\u00e9 \u00e0 un placement en raison de la fiscalit\u00e9, une proportion sup\u00e9rieure \u00e0 la moyenne des autres pays \u00e9tudi\u00e9s.<\/p>\n<p>\u00ab\u00a0`<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On conna\u00eet le Belge comme ayant une brique dans le ventre et r\u00e9ticent au changement, ou tout du moins plus lent \u00e0 la d\u00e9tente pour se lancer. Il \u00e9tait ainsi r\u00e9put\u00e9 pour \u00eatre un super-\u00e9pargnant avec beaucoup d\u2019argent accumul\u00e9 qui dort sur des comptes d\u2019\u00e9pargne. Mais c\u2019est d\u00e9sormais de l\u2019histoire ancienne, \u00e0 en croire une [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":19827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"image_verticale":0,"gif":0,"url_video":"","footnotes":""},"categories":[16],"tags":[],"class_list":["post-19825","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"acf":[],"_yoast_wpseo_title":null,"_yoast_wpseo_metadesc":"Le Belge n'est plus un super-\u00e9pargnant comme autrefois. D'apr\u00e8s ING, il investit d\u00e9sormais davantage vers les fonds d'investissement.","auteur_traducteur":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le Belge ne super-\u00e9pargne plus, il investit | Forbes Belgique<\/title>\n<meta name=\"description\" content=\"Le Belge n&#039;est plus un super-\u00e9pargnant comme autrefois. 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