{"id":39113,"date":"2025-03-18T16:26:47","date_gmt":"2025-03-18T15:26:47","guid":{"rendered":"https:\/\/fidulex.ch\/?p=39113"},"modified":"2025-04-28T14:31:03","modified_gmt":"2025-04-28T12:31:03","slug":"compound-interest-explanations-fidulex-fiduciary-formula","status":"publish","type":"post","link":"https:\/\/fidulex.ch\/en\/les-interets-composes-explications-formule-fiduciaire-fidulex\/","title":{"rendered":"Compound interest: Explanations and formula"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"39113\" class=\"elementor elementor-39113\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1a492d79 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a492d79\" 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-20fc6963\" data-id=\"20fc6963\" 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-9711bad elementor-widget elementor-widget-heading\" data-id=\"9711bad\" 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\">Les int\u00e9r\u00eats compos\u00e9s : Comment \u00e7a marche ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4a0ce1 elementor-widget elementor-widget-text-editor\" data-id=\"d4a0ce1\" 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><strong>Les int\u00e9r\u00eats compos\u00e9s<\/strong> sont une fa\u00e7on d&rsquo;\u00e9pargner intelligement et de recevoir un rendement plus \u00e9lev\u00e9. G\u00e9n\u00e9ralement, lorsque vous placez une somme d&rsquo;argent, vous recevez chaque ann\u00e9e des int\u00e9r\u00eats sur cette derni\u00e8re.\u00a0<\/p><p>Dans le cas des int\u00e9r\u00eats compos\u00e9s, si vous ne touchez pas \u00e0 ces derniers, et que vous les laissez sur votre compte, ils s&rsquo;ajoutent alors \u00e0 votre capital. En d&rsquo;autres termes, vous pourrez gagner chaque ann\u00e9e des int\u00e9r\u00eats sur vos <strong>int\u00e9r\u00eats.<\/strong><\/p><p>Une autre fa\u00e7on d&rsquo;y penser est de voir les int\u00e9r\u00eats compos\u00e9s comme une boule de neige qui devient de plus en plus grande en roulant.<\/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-55c04b36 elementor-widget elementor-widget-heading\" data-id=\"55c04b36\" 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\">Quelle est la diff\u00e9rence entre int\u00e9r\u00eats simples et int\u00e9r\u00eats compos\u00e9s ? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef5f36d elementor-widget elementor-widget-text-editor\" data-id=\"6ef5f36d\" 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>Lorsque vous placez de l&rsquo;argent \u00e0 la banque et que vous recevez des int\u00e9r\u00eats dessus, vous pouvez recevoir des int\u00e9r\u00eats simples et des <strong>int\u00e9r\u00eats compos\u00e9s<\/strong>.<\/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-51867f7b elementor-widget elementor-widget-heading\" data-id=\"51867f7b\" 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\">Les int\u00e9r\u00eats simples<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59608691 elementor-widget elementor-widget-text-editor\" data-id=\"59608691\" 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>Les int\u00e9r\u00eats simples sont calcul\u00e9s sur votre <strong>capital initial<\/strong>, c&rsquo;est-\u00e0-dire le montant que vous avez plac\u00e9 au d\u00e9part. \u00c0 la diff\u00e9rence des int\u00e9r\u00eats compos\u00e9s, les int\u00e9r\u00eats simples ne sont pas ajout\u00e9s au capital; vous recevrez donc le m\u00eame montant chaque ann\u00e9e.<\/p><p>Par exemple, si vous avez plac\u00e9 1&rsquo;000 CHF dans un compte avec un taux d&rsquo;int\u00e9r\u00eat \u00e0 5%, vous recevrez chaque ann\u00e9e 50 CHF.<\/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-52d69e92 elementor-widget elementor-widget-heading\" data-id=\"52d69e92\" 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\">Les int\u00e9r\u00eats compos\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d8b85b7 elementor-widget elementor-widget-text-editor\" data-id=\"5d8b85b7\" 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>Les int\u00e9r\u00eats compos\u00e9s, quant \u00e0 eux, sont plus avantageux. Au lieu d&rsquo;\u00eatre bas\u00e9s sur le capital initial plac\u00e9, ces derniers sont ajout\u00e9s chaque ann\u00e9e au capital. Les int\u00e9r\u00eats re\u00e7us sont alors calcul\u00e9s sur ce nouveau total.<\/p><p>Pour reprendre notre exemple pr\u00e9c\u00e9dent, si vous placez 1&rsquo;000 CHF avec un taux d&rsquo;int\u00e9r\u00eat de 5%, vous recevrez 1&rsquo;050 la 1\u00e8re ann\u00e9e et cela sera votre nouveau total. L&rsquo;ann\u00e9e suivante, vous recevrez 5% de 1&rsquo;050, ce qui \u00e9quivaut \u00e0 52.50 CHF, et ainsi de suite.<\/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-466a0d2d elementor-widget elementor-widget-heading\" data-id=\"466a0d2d\" 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\">Comment recevoir des int\u00e9r\u00eats compos\u00e9s ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17116054 elementor-widget elementor-widget-text-editor\" data-id=\"17116054\" 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>Pour recevoir des <strong>int\u00e9r\u00eats compos\u00e9s<\/strong>, il vous faudra placer un montant dans un compte. Pas besoin d&rsquo;ailleurs de d\u00e9poser une somme tr\u00e8s importante pour recevoir des int\u00e9r\u00eats compos\u00e9s. Vous pouvez par exemple investir dans :\u00a0<\/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-2e516e8e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2e516e8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"ba70b1c4-5bae-4555-bc07-a843f0555fc7\" data-name=\"Layer 1\" viewBox=\"0 0 32.979 32\"><g id=\"b56c1629-3605-49a6-a5a2-6e0ad1366455\" data-name=\"Page-1\"><g id=\"b672b96b-826c-4d33-a4d3-1399b300653f\" data-name=\"Homepage\"><g id=\"ba7d1b89-bd75-4e14-908f-0f1da3ccafb5\" data-name=\"Section-2\"><g id=\"ec5a0e1c-5428-4b9d-a5e5-e88cfab1314c\" data-name=\"Group-14\"><g id=\"bbdb9cc5-333a-42d8-a01d-00241f0ac5b5\" data-name=\"checked\"><path id=\"b7a04dda-4f32-4d1e-b028-755732165484\" data-name=\"Path\" d=\"M32.6244,1.0123A1.2067,1.2067,0,0,0,30.9076,1.01L15.3627,18.009l-3.9646-4.0539a1.2074,1.2074,0,0,0-1.7156-.0715,1.2318,1.2318,0,0,0-.0708,1.73l4.82,4.991A1.2083,1.2083,0,0,0,15.3,21l.026,0a1.2107,1.2107,0,0,0,.8572-.3571L32.6221,2.7441A1.2317,1.2317,0,0,0,32.6244,1.0123Z\"><\/path><path id=\"f50529a8-5597-4376-bdaf-5cbaa66b1afb\" data-name=\"Path\" d=\"M30.7939,14.7939A1.206,1.206,0,0,0,29.5879,16,13.5879,13.5879,0,1,1,16,2.4121,1.2061,1.2061,0,1,0,16,0,16,16,0,1,0,32,16,1.206,1.206,0,0,0,30.7939,14.7939Z\"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Un compte d'\u00e9pargne<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"ba70b1c4-5bae-4555-bc07-a843f0555fc7\" data-name=\"Layer 1\" viewBox=\"0 0 32.979 32\"><g id=\"b56c1629-3605-49a6-a5a2-6e0ad1366455\" data-name=\"Page-1\"><g id=\"b672b96b-826c-4d33-a4d3-1399b300653f\" data-name=\"Homepage\"><g id=\"ba7d1b89-bd75-4e14-908f-0f1da3ccafb5\" data-name=\"Section-2\"><g id=\"ec5a0e1c-5428-4b9d-a5e5-e88cfab1314c\" data-name=\"Group-14\"><g id=\"bbdb9cc5-333a-42d8-a01d-00241f0ac5b5\" data-name=\"checked\"><path id=\"b7a04dda-4f32-4d1e-b028-755732165484\" data-name=\"Path\" d=\"M32.6244,1.0123A1.2067,1.2067,0,0,0,30.9076,1.01L15.3627,18.009l-3.9646-4.0539a1.2074,1.2074,0,0,0-1.7156-.0715,1.2318,1.2318,0,0,0-.0708,1.73l4.82,4.991A1.2083,1.2083,0,0,0,15.3,21l.026,0a1.2107,1.2107,0,0,0,.8572-.3571L32.6221,2.7441A1.2317,1.2317,0,0,0,32.6244,1.0123Z\"><\/path><path id=\"f50529a8-5597-4376-bdaf-5cbaa66b1afb\" data-name=\"Path\" d=\"M30.7939,14.7939A1.206,1.206,0,0,0,29.5879,16,13.5879,13.5879,0,1,1,16,2.4121,1.2061,1.2061,0,1,0,16,0,16,16,0,1,0,32,16,1.206,1.206,0,0,0,30.7939,14.7939Z\"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Un fond de placement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"ba70b1c4-5bae-4555-bc07-a843f0555fc7\" data-name=\"Layer 1\" viewBox=\"0 0 32.979 32\"><g id=\"b56c1629-3605-49a6-a5a2-6e0ad1366455\" data-name=\"Page-1\"><g id=\"b672b96b-826c-4d33-a4d3-1399b300653f\" data-name=\"Homepage\"><g id=\"ba7d1b89-bd75-4e14-908f-0f1da3ccafb5\" data-name=\"Section-2\"><g id=\"ec5a0e1c-5428-4b9d-a5e5-e88cfab1314c\" data-name=\"Group-14\"><g id=\"bbdb9cc5-333a-42d8-a01d-00241f0ac5b5\" data-name=\"checked\"><path id=\"b7a04dda-4f32-4d1e-b028-755732165484\" data-name=\"Path\" d=\"M32.6244,1.0123A1.2067,1.2067,0,0,0,30.9076,1.01L15.3627,18.009l-3.9646-4.0539a1.2074,1.2074,0,0,0-1.7156-.0715,1.2318,1.2318,0,0,0-.0708,1.73l4.82,4.991A1.2083,1.2083,0,0,0,15.3,21l.026,0a1.2107,1.2107,0,0,0,.8572-.3571L32.6221,2.7441A1.2317,1.2317,0,0,0,32.6244,1.0123Z\"><\/path><path id=\"f50529a8-5597-4376-bdaf-5cbaa66b1afb\" data-name=\"Path\" d=\"M30.7939,14.7939A1.206,1.206,0,0,0,29.5879,16,13.5879,13.5879,0,1,1,16,2.4121,1.2061,1.2061,0,1,0,16,0,16,16,0,1,0,32,16,1.206,1.206,0,0,0,30.7939,14.7939Z\"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Un plan d'\u00e9pargne \u00e0 long terme (retraite)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"ba70b1c4-5bae-4555-bc07-a843f0555fc7\" data-name=\"Layer 1\" viewBox=\"0 0 32.979 32\"><g id=\"b56c1629-3605-49a6-a5a2-6e0ad1366455\" data-name=\"Page-1\"><g id=\"b672b96b-826c-4d33-a4d3-1399b300653f\" data-name=\"Homepage\"><g id=\"ba7d1b89-bd75-4e14-908f-0f1da3ccafb5\" data-name=\"Section-2\"><g id=\"ec5a0e1c-5428-4b9d-a5e5-e88cfab1314c\" data-name=\"Group-14\"><g id=\"bbdb9cc5-333a-42d8-a01d-00241f0ac5b5\" data-name=\"checked\"><path id=\"b7a04dda-4f32-4d1e-b028-755732165484\" data-name=\"Path\" d=\"M32.6244,1.0123A1.2067,1.2067,0,0,0,30.9076,1.01L15.3627,18.009l-3.9646-4.0539a1.2074,1.2074,0,0,0-1.7156-.0715,1.2318,1.2318,0,0,0-.0708,1.73l4.82,4.991A1.2083,1.2083,0,0,0,15.3,21l.026,0a1.2107,1.2107,0,0,0,.8572-.3571L32.6221,2.7441A1.2317,1.2317,0,0,0,32.6244,1.0123Z\"><\/path><path id=\"f50529a8-5597-4376-bdaf-5cbaa66b1afb\" data-name=\"Path\" d=\"M30.7939,14.7939A1.206,1.206,0,0,0,29.5879,16,13.5879,13.5879,0,1,1,16,2.4121,1.2061,1.2061,0,1,0,16,0,16,16,0,1,0,32,16,1.206,1.206,0,0,0,30.7939,14.7939Z\"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Des obligations \u00e0 int\u00e9r\u00eats compos\u00e9s<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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-afef0d7 elementor-widget elementor-widget-heading\" data-id=\"afef0d7\" 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\">Avantages et inconv\u00e9nients des int\u00e9r\u00eats compos\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56bf66c8 elementor-widget elementor-widget-heading\" data-id=\"56bf66c8\" 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\">Croissance du capital<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba46235 elementor-widget elementor-widget-text-editor\" data-id=\"ba46235\" 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>Bien que les int\u00e9r\u00eats compos\u00e9s pr\u00e9sentent beaucoup d&rsquo;avantages, il y a aussi des inconv\u00e9nients \u00e0 prendre en compte. L&rsquo;avantage principal est forc\u00e9ment de pouvoir recevoir plus qu&rsquo;un m\u00eame montant fixe chaque ann\u00e9e, ce qui vous permet de gagner plus sur le <strong>long terme<\/strong>.<\/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-7af9cf53 elementor-widget elementor-widget-heading\" data-id=\"7af9cf53\" 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\">Longue dur\u00e9e<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-218fc946 elementor-widget elementor-widget-text-editor\" data-id=\"218fc946\" 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>De l&rsquo;autre c\u00f4t\u00e9, lorsque vous investissez dans un compte ou un placement avec des int\u00e9r\u00eats compos\u00e9s, un des <strong>inconv\u00e9nients<\/strong> est le temps que cela prend de recevoir un rendement significatif. En effet, plus la dur\u00e9e est longue, plus vous recevrez de l&rsquo;argent.<\/p><p>Par contre, si vous n&rsquo;attendez pas et retirez l&rsquo;argent chaque ann\u00e9e, vous ne recevrez pas une somme tr\u00e8s importante. Faites donc plut\u00f4t des investissements sur le long terme, comme pour votre <a href=\"https:\/\/fidulex.ch\/lage-de-la-retraite-en-suisse-enjeux-et-evolution\/\"><strong>retraite<\/strong><\/a>, par exemple.<\/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-737d91d5 elementor-widget elementor-widget-heading\" data-id=\"737d91d5\" 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\">Capitalisation des int\u00e9r\u00eats<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a620e8e elementor-widget elementor-widget-text-editor\" data-id=\"1a620e8e\" 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 la somme d&rsquo;argent concern\u00e9e s&rsquo;apparente \u00e0 un cr\u00e9dit, il est bien souvent d\u00e9savantageux d&rsquo;avoir des int\u00e9r\u00eats compos\u00e9s. En effet, les int\u00e9r\u00eats impay\u00e9s sont ajout\u00e9s au capital d\u00fb, et \u00e0 leur tour, g\u00e9n\u00e8rent des int\u00e9r\u00eats. Autrement dit, l\u2019emprunteur paye des int\u00e9r\u00eats sur les int\u00e9r\u00eats d\u00e9j\u00e0 accumul\u00e9s, ce qui <strong>augmente<\/strong> progressivement la dette.<\/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-1ccc85da elementor-widget elementor-widget-heading\" data-id=\"1ccc85da\" 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\">Comment calculer les int\u00e9r\u00eats compos\u00e9s ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6204c04b elementor-widget elementor-widget-heading\" data-id=\"6204c04b\" 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\">Formule <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45351cb9 elementor-widget elementor-widget-text-editor\" data-id=\"45351cb9\" 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>Pour calculer le montant du rendement que vous pouvez esp\u00e9rer, il vous faudra appliquer la formule qui suit : <em>A<\/em>=<em>P<\/em>\u22c5(1+<em>n\/r<\/em>\u200b)<em><sup>n<\/sup><\/em><sup>\u22c5<\/sup><em><sup>t<\/sup><\/em><\/p><h2 class=\"mb-xs mt-5 text-base font-[525] first:mt-3\">D\u00e9finition des variables :<\/h2><ul class=\"marker:text-textOff list-disc\"><li><p class=\"my-0\"><span class=\"katex\"><span class=\"katex-mathml\">A<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord mathnormal\">A<\/span><\/span><\/span><\/span>\u00a0: Montant final apr\u00e8s\u00a0<span class=\"katex\"><span class=\"katex-mathml\">t<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord mathnormal\">t<\/span><\/span><\/span><\/span>\u00a0ann\u00e9es.<\/p><\/li><li><p class=\"my-0\"><span class=\"katex\"><span class=\"katex-mathml\">P<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord mathnormal\">P<\/span><\/span><\/span><\/span>\u00a0: Capital initial investi.<\/p><\/li><li><p class=\"my-0\"><span class=\"katex\"><span class=\"katex-mathml\">r<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord mathnormal\">r<\/span><\/span><\/span><\/span> : Taux d&rsquo;int\u00e9r\u00eat annuel (exprim\u00e9 en d\u00e9cimal, par exemple 4% = 0,04).<\/p><\/li><li><p class=\"my-0\"><span class=\"katex\"><span class=\"katex-mathml\">t<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord mathnormal\">t<\/span><\/span><\/span><\/span>\u00a0: Dur\u00e9e de l&rsquo;investissement en ann\u00e9es.<\/p><\/li><\/ul><p>Il est aussi possible d&rsquo;utiliser un <a href=\"https:\/\/www.moneyland.ch\/fr\/interets-composes-calculateur\" target=\"_blank\" rel=\"noopener\">calculateur<\/a> d&rsquo;int\u00e9r\u00eats compos\u00e9s, plus simples \u00e0 utiliser.<\/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-573a0d4e elementor-widget elementor-widget-heading\" data-id=\"573a0d4e\" 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\">Exemple de calcul<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30b282dc elementor-widget elementor-widget-text-editor\" data-id=\"30b282dc\" 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 class=\"my-0\">Supposons que vous investissiez\u00a0<strong>200 CHF<\/strong>\u00a0\u00e0 un taux d&rsquo;int\u00e9r\u00eat annuel de\u00a0<strong>4%<\/strong>\u00a0pendant\u00a0<strong>5 ans<\/strong>.<\/p><p class=\"my-0\">Le calcul serait :<\/p><p><span class=\"katex-display\"><span class=\"katex\"><span class=\"katex-mathml\">A = 200\u22c5(1+0,04)5<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord mathnormal\">A <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">200<\/span><span class=\"mbin\">\u22c5<\/span><\/span><span class=\"base\"><span class=\"mopen\">(<\/span><span class=\"mord\">1<\/span><span class=\"mbin\">+<\/span><\/span><span class=\"base\"><span class=\"mord\">0<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">04<\/span><span class=\"mclose\">)<span class=\"msupsub\"><span class=\"vlist-t\"><span class=\"vlist-r\"><span class=\"vlist\"><span class=\"sizing reset-size6 size3 mtight\"><span class=\"mord mtight\">5<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p><ol class=\"marker:text-textOff list-decimal\"><li><p class=\"my-0\">Calcul de\u00a0<span class=\"katex\"><span class=\"katex-mathml\">1+0,04 = 1,04<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mbin\">+<\/span><\/span><span class=\"base\"><span class=\"mord\">0<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">04 <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">04<\/span><\/span><\/span><\/span>.<\/p><\/li><li><p class=\"my-0\">\u00c9l\u00e9vation \u00e0 la puissance\u00a0<span class=\"katex\"><span class=\"katex-mathml\">5<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord\">5<\/span><\/span><\/span><\/span>\u00a0:\u00a0<span class=\"katex\"><span class=\"katex-mathml\">1,045 = 1,21665<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">0<\/span><span class=\"mord\">4<span class=\"msupsub\"><span class=\"vlist-t\"><span class=\"vlist-r\"><span class=\"vlist\"><span class=\"sizing reset-size6 size3 mtight\"><span class=\"mord mtight\">5 <\/span><\/span><\/span><\/span><\/span><\/span><\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">21665<\/span><\/span><\/span><\/span>.<\/p><\/li><li><p class=\"my-0\">Multiplication par le capital initial :\u00a0<span class=\"katex\"><span class=\"katex-mathml\">200\u22c51,21665 = 243,33\u2009CHF<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord\">200<\/span><span class=\"mbin\">\u22c5<\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">21665 <\/span><span class=\"mrel\">= <\/span><\/span><span class=\"base\"><span class=\"mord\">243<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">33<\/span><span class=\"mord text\"><span class=\"mord\">CHF<\/span><\/span><\/span><\/span><\/span>.<\/p><\/li><\/ol><p class=\"my-0\">Le montant final apr\u00e8s 5 ans sera alors de <strong>243,33 CHF<\/strong>, ce qui repr\u00e9sente\u00a0<strong>43,33 CHF<\/strong> d&rsquo;int\u00e9r\u00eats compos\u00e9s. Vous pouvez donc voir qu&rsquo;il est plus avantageux d&rsquo;avoir des int\u00e9r\u00eats compos\u00e9s sur des investissements \u00e0 long terme.<\/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-2b28c518 elementor-widget elementor-widget-heading\" data-id=\"2b28c518\" 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\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71f1bae elementor-widget elementor-widget-toggle\" data-id=\"71f1bae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1191\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1191\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu\u2019est-ce que les int\u00e9r\u00eats compos\u00e9s et comment fonctionnent-ils ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1191\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1191\"><p>Les int\u00e9r\u00eats compos\u00e9s permettent de recevoir des int\u00e9r\u00eats sur votre capital initial ainsi que sur les int\u00e9r\u00eats d\u00e9j\u00e0 accumul\u00e9s. Plus vous laissez votre argent investi longtemps, plus il grossit, un peu comme une boule de neige qui roule.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1192\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1192\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi les int\u00e9r\u00eats compos\u00e9s sont-ils plus avantageux que les int\u00e9r\u00eats simples ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1192\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1192\"><p>Contrairement aux int\u00e9r\u00eats simples, qui sont calcul\u00e9s uniquement sur le capital initial, les int\u00e9r\u00eats compos\u00e9s s\u2019ajoutent chaque ann\u00e9e au capital, permettant de g\u00e9n\u00e9rer encore plus d\u2019int\u00e9r\u00eats avec le temps.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1193\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1193\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment fonctionnent les int\u00e9r\u00eats compos\u00e9s ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1193\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1193\"><p>Les int\u00e9r\u00eats compos\u00e9s sont ajout\u00e9s au capital chaque ann\u00e9e, ce qui signifie que les nouveaux int\u00e9r\u00eats sont calcul\u00e9s sur un montant de plus en plus grand. Ainsi, le capital augmente progressivement au fil du temps.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1194\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1194\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels types d\u2019investissements permettent de recevoir des int\u00e9r\u00eats compos\u00e9s ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1194\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1194\"><p data-start=\"1417\" data-end=\"1583\">Vous pouvez recevoir des int\u00e9r\u00eats compos\u00e9s en pla\u00e7ant votre argent dans :<\/p><ul data-start=\"1584\" data-end=\"1712\"><li data-start=\"1584\" data-end=\"1607\">Un compte d\u2019\u00e9pargne<\/li><li data-start=\"1608\" data-end=\"1633\">Un fonds de placement<\/li><li data-start=\"1634\" data-end=\"1672\">Un plan d\u2019\u00e9pargne pour la retraite<\/li><li data-start=\"1673\" data-end=\"1712\">Des obligations \u00e0 int\u00e9r\u00eats compos\u00e9s<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1195\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1195\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi est-il int\u00e9ressant d\u2019investir avec des int\u00e9r\u00eats compos\u00e9s ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1195\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1195\"><p>L\u2019avantage principal est la croissance du capital : plus vous laissez votre argent investi longtemps, plus il g\u00e9n\u00e8re d\u2019int\u00e9r\u00eats, augmentant ainsi vos gains sur le long terme.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1196\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1196\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quelle est la formule pour calculer les int\u00e9r\u00eats compos\u00e9s ?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1196\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1196\"><p data-start=\"2653\" data-end=\"2771\">La formule est : <strong data-start=\"2744\" data-end=\"2769\">A = P (1 + r\/n)^(n*t)<\/strong><\/p><ul data-start=\"2772\" data-end=\"2933\"><li data-start=\"2772\" data-end=\"2793\">A : Montant final<\/li><li data-start=\"2794\" data-end=\"2817\">P : Capital initial<\/li><li data-start=\"2818\" data-end=\"2847\">r : Taux d\u2019int\u00e9r\u00eat annuel<\/li><li data-start=\"2848\" data-end=\"2899\">n : Nombre de p\u00e9riodes de capitalisation par an<\/li><li data-start=\"2900\" data-end=\"2933\">t : Dur\u00e9e de l\u2019investissement<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce que les int\\u00e9r\\u00eats compos\\u00e9s et comment fonctionnent-ils ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les int\\u00e9r\\u00eats compos\\u00e9s permettent de recevoir des int\\u00e9r\\u00eats sur votre capital initial ainsi que sur les int\\u00e9r\\u00eats d\\u00e9j\\u00e0 accumul\\u00e9s. Plus vous laissez votre argent investi longtemps, plus il grossit, un peu comme une boule de neige qui roule.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Pourquoi les int\\u00e9r\\u00eats compos\\u00e9s sont-ils plus avantageux que les int\\u00e9r\\u00eats simples ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Contrairement aux int\\u00e9r\\u00eats simples, qui sont calcul\\u00e9s uniquement sur le capital initial, les int\\u00e9r\\u00eats compos\\u00e9s s\\u2019ajoutent chaque ann\\u00e9e au capital, permettant de g\\u00e9n\\u00e9rer encore plus d\\u2019int\\u00e9r\\u00eats avec le temps.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment fonctionnent les int\\u00e9r\\u00eats compos\\u00e9s ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les int\\u00e9r\\u00eats compos\\u00e9s sont ajout\\u00e9s au capital chaque ann\\u00e9e, ce qui signifie que les nouveaux int\\u00e9r\\u00eats sont calcul\\u00e9s sur un montant de plus en plus grand. Ainsi, le capital augmente progressivement au fil du temps.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quels types d\\u2019investissements permettent de recevoir des int\\u00e9r\\u00eats compos\\u00e9s ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-start=\\\"1417\\\" data-end=\\\"1583\\\">Vous pouvez recevoir des int\\u00e9r\\u00eats compos\\u00e9s en pla\\u00e7ant votre argent dans :<\\\/p><ul data-start=\\\"1584\\\" data-end=\\\"1712\\\"><li data-start=\\\"1584\\\" data-end=\\\"1607\\\">Un compte d\\u2019\\u00e9pargne<\\\/li><li data-start=\\\"1608\\\" data-end=\\\"1633\\\">Un fonds de placement<\\\/li><li data-start=\\\"1634\\\" data-end=\\\"1672\\\">Un plan d\\u2019\\u00e9pargne pour la retraite<\\\/li><li data-start=\\\"1673\\\" data-end=\\\"1712\\\">Des obligations \\u00e0 int\\u00e9r\\u00eats compos\\u00e9s<\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Pourquoi est-il int\\u00e9ressant d\\u2019investir avec des int\\u00e9r\\u00eats compos\\u00e9s ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>L\\u2019avantage principal est la croissance du capital : plus vous laissez votre argent investi longtemps, plus il g\\u00e9n\\u00e8re d\\u2019int\\u00e9r\\u00eats, augmentant ainsi vos gains sur le long terme.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la formule pour calculer les int\\u00e9r\\u00eats compos\\u00e9s ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-start=\\\"2653\\\" data-end=\\\"2771\\\">La formule est : <strong data-start=\\\"2744\\\" data-end=\\\"2769\\\">A = P (1 + r\\\/n)^(n*t)<\\\/strong><\\\/p><ul data-start=\\\"2772\\\" data-end=\\\"2933\\\"><li data-start=\\\"2772\\\" data-end=\\\"2793\\\">A : Montant final<\\\/li><li data-start=\\\"2794\\\" data-end=\\\"2817\\\">P : Capital initial<\\\/li><li data-start=\\\"2818\\\" data-end=\\\"2847\\\">r : Taux d\\u2019int\\u00e9r\\u00eat annuel<\\\/li><li data-start=\\\"2848\\\" data-end=\\\"2899\\\">n : Nombre de p\\u00e9riodes de capitalisation par an<\\\/li><li data-start=\\\"2900\\\" data-end=\\\"2933\\\">t : Dur\\u00e9e de l\\u2019investissement<\\\/li><\\\/ul>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Compound interest differs from simple interest and often offers a higher return.<\/p>","protected":false},"author":1,"featured_media":39114,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[58],"tags":[],"class_list":["post-39113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-investissement"],"_links":{"self":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/39113","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/comments?post=39113"}],"version-history":[{"count":38,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/39113\/revisions"}],"predecessor-version":[{"id":39152,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/39113\/revisions\/39152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/media\/39114"}],"wp:attachment":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/media?parent=39113"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/categories?post=39113"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/tags?post=39113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}