{"id":7490,"date":"2023-02-10T05:45:00","date_gmt":"2023-02-10T04:45:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/placements-collectifs-generalisation-du-document-dinformations-cles\/"},"modified":"2023-02-10T05:45:00","modified_gmt":"2023-02-10T04:45:00","slug":"placements-collectifs-generalisation-du-document-dinformations-cles","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/placements-collectifs-generalisation-du-document-dinformations-cles\/","title":{"rendered":"Placements collectifs : g\u00e9n\u00e9ralisation du \u00ab document d\u2019informations cl\u00e9s \u00bb"},"content":{"rendered":"<p >L\u2019information des consommateurs est une composante importante de leur protection. C\u2019est pourquoi la France et a fortiori l\u2019Union europ\u00e9enne, cherchent \u00e0 faire en sorte qu\u2019ils soient de plus en plus, et de mieux en mieux inform\u00e9s sur les produits et services auxquels ils ont acc\u00e8s\u2026 Y compris dans le domaine financier\u2026<\/p>\n<div>\n<h2>Mise en place g\u00e9n\u00e9rale du document d\u2019informations cl\u00e9s (DIC)<\/h2>\n<p>En 2018, l\u2019Union europ\u00e9enne a adopt\u00e9 le r\u00e8glement Packaged Retail Investment and insurance-based Products (PRIIPs). Ce texte vise \u00e0 am\u00e9liorer et uniformiser, dans les \u00c9tats-membres, les pratiques en mati\u00e8re d\u2019information des consommateurs qui souscrivent \u00e0 des placements collectifs ou \u00ab packag\u00e9s \u00bb<\/p>\n<p>Parmi ces produits, qui permettent aux consommateurs d\u2019investir sans avoir \u00e0 faire directement de transactions sur des march\u00e9s financiers on retrouve, notamment :<\/p>\n<ul>\n<li>les fonds ;<\/li>\n<li>les SICAV ;<\/li>\n<li>les placements et obligations \u00e0 formule ;<\/li>\n<li>les SCPI ;<\/li>\n<li>certains contrats d\u2019assurance-vie en unit\u00e9s de compte.<\/li>\n<\/ul>\n<p>Depuis le 1er janvier 2023, et \u00e0 l\u2019issue d\u2019une p\u00e9riode de mise en place progressive, tous les professionnels proposant ces produits devront remettre \u00e0 leurs potentiels clients un document d\u2019informations cl\u00e9s (DIC).<\/p>\n<p>Ce document, qui sera harmonis\u00e9 au niveau europ\u00e9en, regroupera plusieurs informations essentielles qui permettront aux consommateurs de mieux comprendre les caract\u00e9ristiques du produit qu\u2019ils s\u2019appr\u00eatent \u00e0 souscrire.<\/p>\n<p>On retrouve parmi elles :<\/p>\n<ul>\n<li>les objectifs du produit ;<\/li>\n<li>la cat\u00e9gorie d\u2019investisseurs auxquels il se destine ;<\/li>\n<li>une description des risques et gains potentiels qui y sont li\u00e9s ;<\/li>\n<li>un indicateur du niveau de risque not\u00e9 de 1 (peu risqu\u00e9) \u00e0 7 (le plus risqu\u00e9) ;<\/li>\n<li>la perte maximale de capital possible ;<\/li>\n<li>4 sc\u00e9narios de performance possibles ;<\/li>\n<li>la dur\u00e9e de d\u00e9tention recommand\u00e9e ;<\/li>\n<li>les frais et leur impact sur le rendement.<\/li>\n<\/ul>\n<p>Pour tous les produits concern\u00e9s, le DIC devra \u00eatre actualis\u00e9 en cas d\u2019\u00e9volution importante de l\u2019une des caract\u00e9ristiques ou, au minimum, une fois par an.<\/p>\n<p><span style=\"text-decoration: underline;\">Source<\/span> : Actualit\u00e9 de l\u2019AMF du 1er f\u00e9vrier 2023 : \u00ab Le document d&#8217;informations cl\u00e9s (DIC) est d\u00e9sormais g\u00e9n\u00e9ralis\u00e9 \u00e0 tous les placements collectifs \u00bb<\/p>\n<p><a title=\"Placements collectifs : g\u00e9n\u00e9ralisation du \u00ab document d\u2019informations cl\u00e9s \u00bb\" href=\"https:\/\/www.weblex.fr\/weblex-actualite\/placements-collectifs-generalisation-du-document-dinformations-cles\" rel=\"nofollow noopener\" target=\"_blank\">Placements collectifs : g\u00e9n\u00e9ralisation du \u00ab document d\u2019informations cl\u00e9s \u00bb <\/a>\u00a9 Copyright WebLex &#8211; 2023<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/dic.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019information des consommateurs est une composante importante de leur protection. C\u2019est pourquoi la France et a fortiori l\u2019Union europ\u00e9enne, cherchent \u00e0 faire en sorte qu\u2019ils soient de plus en plus, et de mieux en mieux inform\u00e9s sur les produits et services auxquels ils ont acc\u00e8s\u2026 Y compris dans le domaine financier\u2026<\/p>\n","protected":false},"author":0,"featured_media":7491,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-7490","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Placements collectifs : g\u00e9n\u00e9ralisation du \u00ab document d\u2019informations cl\u00e9s \u00bb - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/placements-collectifs-generalisation-du-document-dinformations-cles\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Placements collectifs : g\u00e9n\u00e9ralisation du \u00ab document d\u2019informations cl\u00e9s \u00bb - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"L\u2019information des consommateurs est une composante importante de leur protection. 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