{"id":118458,"date":"2025-07-18T16:58:15","date_gmt":"2025-07-18T14:58:15","guid":{"rendered":"https:\/\/www.afg.asso.fr\/?p=118458"},"modified":"2025-07-18T16:58:18","modified_gmt":"2025-07-18T14:58:18","slug":"savings-and-investment-accounts-afg-repond-call-for-evidence-commission-europeenne","status":"publish","type":"post","link":"https:\/\/www.afg.asso.fr\/fr\/savings-and-investment-accounts-afg-repond-call-for-evidence-commission-europeenne\/","title":{"rendered":"Savings and Investment Accounts\u00a0: l\u2019AFG r\u00e9pond au Call for Evidence de la Commission europ\u00e9enne"},"content":{"rendered":"\n<p>L\u2019AFG a r\u00e9pondu au<a href=\"https:\/\/www.afg.asso.fr\/fr\/publication\/reponse-call-for-evidence-commission-europeenne-savings-and-investment-accounts\/\" data-type=\"link\" data-id=\"https:\/\/www.afg.asso.fr\/fr\/publication\/reponse-call-for-evidence-commission-europeenne-savings-and-investment-accounts\/\"> call for evidence de la Commission europ\u00e9enne sur les \u00ab\u00a0<em>Savings and Investment Accounts<\/em>\u00a0\u00bb (SIAs)<\/a>. A travers cette r\u00e9ponse, l\u2019AFG rappelle que la France dispose d\u00e9j\u00e0 de SIAs con\u00e7us de sorte \u00e0 favoriser l\u2019investissement du retail \u00e0 long-terme tout en finan\u00e7ant l\u2019\u00e9conomie europ\u00e9enne, comme le PEA et le PER.<\/p>\n\n\n\n<p>L\u2019AFG estime que les diff\u00e9rents pays de l\u2019UE devraient \u00eatre encourag\u00e9s \u00e0 mettre en place des SIA qui r\u00e9pondent aux caract\u00e9ristiques suivantes, en coh\u00e9rence avec le label Finance Europe&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>investissement \u00e0 long-terme\u00a0;<\/li>\n\n\n\n<li>large spectre d\u2019actifs \u00e9ligibles, incluant notamment les fonds UCITS et ELTIF\u00a0;<\/li>\n\n\n\n<li>focus sur l\u2019investissement dans l\u2019Union europ\u00e9enne, avec un seuil minimum\u00a0;<\/li>\n\n\n\n<li>produit flexible avec diff\u00e9rents modes de gestion possible (gestion libre, gestion pilot\u00e9e, etc.)\u00a0;<\/li>\n\n\n\n<li>pas de garantie obligatoire ni m\u00eame encourag\u00e9e<\/li>\n<\/ul>\n\n\n\n<p>Les Etats membres qui mettraient en place de tels SIAs devraient \u00eatre encourag\u00e9s \u00e0 y associer un cadre fiscal attractif.<\/p>\n\n\n\n<p>Il devrait \u00eatre possible de souscrire \u00e0 ces produits \u00e0 travers un parcours client fluide, que ce soit par les moyens digitaux ou via les canaux de distribution traditionnels.<\/p>\n\n\n\n<p>L\u2019AFG rappelle enfin que l\u2019\u00e9ducation financi\u00e8re est un levier cl\u00e9 pour attirer les investisseurs sur les march\u00e9s financiers, et annexe \u00e0 sa r\u00e9ponse <a href=\"https:\/\/www.afg.asso.fr\/fr\/publication\/12-principes-pour-epargner-et-investir-dans-les-placements-financiers-de-moyen-et-long-terme-septembre-2020\/\" data-type=\"link\" data-id=\"https:\/\/www.afg.asso.fr\/fr\/publication\/12-principes-pour-epargner-et-investir-dans-les-placements-financiers-de-moyen-et-long-terme-septembre-2020\/\">le guide des 12 principes pour \u00e9pargner et investir.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019AFG a r\u00e9pondu au call for evidence de la Commission europ\u00e9enne sur les \u00ab\u00a0Savings and Investment Accounts\u00a0\u00bb (SIAs). A travers&hellip;<\/p>\n","protected":false},"author":6,"featured_media":116803,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","wds_primary_category":0,"footnotes":""},"categories":[5],"tags":[],"thematics":[],"top_contenu":[568,45],"class_list":["post-118458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee","top_contenu-top-contenu-commission-club","top_contenu-top-contenu-home-page"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/posts\/118458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/comments?post=118458"}],"version-history":[{"count":0,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/posts\/118458\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/media\/116803"}],"wp:attachment":[{"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/media?parent=118458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/categories?post=118458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/tags?post=118458"},{"taxonomy":"thematics","embeddable":true,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/thematics?post=118458"},{"taxonomy":"top_contenu","embeddable":true,"href":"https:\/\/www.afg.asso.fr\/fr\/wp-json\/wp\/v2\/top_contenu?post=118458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}