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Voici nos conseils pour y parvenir !"}},{"tagName":"meta","attributes":{"name":"twitter:site","content":"@shine_tools"}},{"tagName":"meta","attributes":{"name":"twitter:card","content":"summary"}},{"tagName":"meta","attributes":{"property":"article:modified_time","content":"2026-06-19T05:18:49Z"}},{"tagName":"meta","attributes":{"property":"article:published_time","content":"2026-07-02T10:00:00Z"}},{"tagName":"meta","attributes":{"property":"article:publisher","content":"https://www.facebook.com/shinetools/"}},{"tagName":"meta","attributes":{"property":"og:locale","content":"fr_FR"}},{"tagName":"meta","attributes":{"property":"og:type","content":"article"}},{"tagName":"meta","attributes":{"property":"og:site_name","content":"Shine"}},{"tagName":"meta","attributes":{"property":"og:image","content":"https://www.datocms-assets.com/54769/1685463220-ramdom-28.png?w=1000&fit=max&fm=jpg"}},{"tagName":"meta","attributes":{"name":"twitter:image","content":"https://www.datocms-assets.com/54769/1685463220-ramdom-28.png?w=1000&fit=max&fm=jpg"}}]},"hotjar":false,"illustration":{"alt":"tresorerie-placement-independant","url":"https://www.datocms-assets.com/54769/1685463220-ramdom-28.png?auto=format","width":2600,"height":2600,"gatsbyImageData":{"images":{"sources":[],"fallback":{"src":"https://www.datocms-assets.com/54769/1685463220-ramdom-28.png?auto=format&dpr=0.34&w=2600","srcSet":"https://www.datocms-assets.com/54769/1685463220-ramdom-28.png?auto=format&dpr=0.09&w=2600 220w,\nhttps://www.datocms-assets.com/54769/1685463220-ramdom-28.png?auto=format&dpr=0.17&w=2600 440w,\nhttps://www.datocms-assets.com/54769/1685463220-ramdom-28.png?auto=format&dpr=0.34&w=2600 880w,\nhttps://www.datocms-assets.com/54769/1685463220-ramdom-28.png?auto=format&dpr=0.68&w=2600 1760w","sizes":"(min-width: 880px) 880px, 100vw"}},"layout":"constrained","width":880,"height":880}},"primaryCategory":{"id":"DatoCmsFourthCategory-148333724-fr","title":"Trésorerie","slug":"tresorerie","__typename":"DatoCmsFourthCategory","category":{"id":"DatoCmsThirdCategory-148333464-fr","title":"Comptabilité","slug":"comptabilite","__typename":"DatoCmsThirdCategory","category":{"id":"DatoCmsSubCategory-148321566-fr","title":"Finances","slug":"finances","__typename":"DatoCmsSubCategory","category":{"title":"Gérer son entreprise","slug":"gerer-son-entreprise"}}}},"slug":"tresorerie-placement-independant","title":"Comment placer sa trésorerie quand on est freelance ?","date":"2026-07-02","meta":{"firstPublishedAt":"2026-07-02T12:00:00.871+02:00","formattedFirstPublishedAt":"2 juillet","updatedAt":"2026-06-19T07:18:49.386+02:00","formattedUpdatedAt":"19 juin"},"intro":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"paragraph","children":[{"type":"span","value":"Votre "},{"type":"span","marks":["strong"],"value":"trésorerie"},{"type":"span","value":" affiche un résultat positif depuis plusieurs mois ? Peut-être même qu’elle explose tous les records ? Alors, c’est le moment opportun pour placer l’argent disponible et "},{"type":"span","marks":["strong"],"value":"percevoir des intérêts"},{"type":"span","value":". Durée d’engagement, risques encourus, conditions applicables... Voici "},{"type":"span","marks":["strong"],"value":"7 placements de trésorerie possibles en freelance"},{"type":"span","value":" ! "}]}]}},"links":[]},"author":{"slug":"manon-ca","name":"Manon Ca","image":{"alt":"Manon Cauffiez","url":"https://www.datocms-assets.com/54769/1676558628-1671389642294.jpg?auto=format","width":599,"height":599,"gatsbyImageData":{"images":{"sources":[],"fallback":{"src":"https://www.datocms-assets.com/54769/1676558628-1671389642294.jpg?auto=format&dpr=0.07&monochrome=CCCCCC&w=599","srcSet":"https://www.datocms-assets.com/54769/1676558628-1671389642294.jpg?auto=format&dpr=0.02&monochrome=CCCCCC&w=599 9w,\nhttps://www.datocms-assets.com/54769/1676558628-1671389642294.jpg?auto=format&dpr=0.04&monochrome=CCCCCC&w=599 18w,\nhttps://www.datocms-assets.com/54769/1676558628-1671389642294.jpg?auto=format&dpr=0.07&monochrome=CCCCCC&w=599 36w,\nhttps://www.datocms-assets.com/54769/1676558628-1671389642294.jpg?auto=format&dpr=0.13&monochrome=CCCCCC&w=599 72w","sizes":"(min-width: 36px) 36px, 100vw"}},"layout":"constrained","width":36,"height":36}},"description":"Issue d’un Bachelor en marketing international et d’un master en droit international des affaires, je suis spécialiste en rédaction SEO - Copywriting et formatrice.  ","twitter":"","linkedin":"https://www.linkedin.com/authwall?trk=gf&trkInfo=AQFjgQqwU89CwwAAAY-kXHXQ--hgVX8Iz_NnEtk9IuVgD8xi2QPi_gHAkNA7XB21_bajwNczZz9gPvmr-0edyFEhdLEYHj7ABC8t3-tS1t9HSAV56o_YfomRWlDoM7Plgn-uyiU=&original_referer=https://www.linkedin.com/in/manon-cauffiez-redacteur-web/&sessionRedirect=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fmanon-cauffiez-redacteur-web%2F%3Foriginal_referer%3Dhttps%253A%252F%252Fwww.google.com%252F","facebook":"","website":"","job":"Rédactrice","knowsAbout":"Gérer son entreprise, Lancer son entreprise, Transition écologique, Copywriting"},"reviewer":{"slug":"amandine-dujardin","name":"Amandine Dujardin","image":{"alt":"amandine-dujardin-experte-entrepreneuriat-comptabilité","url":"https://www.datocms-assets.com/54769/1708621772-356812332_202859252436054_8247550344283644527_n.jpg?auto=format","width":4032,"height":3024,"gatsbyImageData":{"images":{"sources":[],"fallback":{"src":"https://www.datocms-assets.com/54769/1708621772-356812332_202859252436054_8247550344283644527_n.jpg?auto=format&dpr=0.01&monochrome=CCCCCC&w=4032","srcSet":"https://www.datocms-assets.com/54769/1708621772-356812332_202859252436054_8247550344283644527_n.jpg?auto=format&dpr=0.01&monochrome=CCCCCC&w=4032 9w,\nhttps://www.datocms-assets.com/54769/1708621772-356812332_202859252436054_8247550344283644527_n.jpg?auto=format&dpr=0.01&monochrome=CCCCCC&w=4032 18w,\nhttps://www.datocms-assets.com/54769/1708621772-356812332_202859252436054_8247550344283644527_n.jpg?auto=format&dpr=0.01&monochrome=CCCCCC&w=4032 36w,\nhttps://www.datocms-assets.com/54769/1708621772-356812332_202859252436054_8247550344283644527_n.jpg?auto=format&dpr=0.02&monochrome=CCCCCC&w=4032 72w","sizes":"(min-width: 36px) 36px, 100vw"}},"layout":"constrained","width":36,"height":36}}},"body":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"heading","level":2,"children":[{"type":"span","value":"1. Compte courant rémunéré"}]},{"type":"paragraph","children":[{"type":"span","value":"Le compte courant rémunéré (CCR) est un compte bancaire classique qui permet de déposer son argent et de l’utiliser librement, "},{"type":"span","marks":["strong"],"value":"tout en gagnant en plus des intérêts"},{"type":"span","value":". "}]},{"type":"paragraph","children":[{"type":"span","value":"Contrairement à un compte courant traditionnel qui ne rapporte rien, celui-ci fait “travailler” votre trésorerie disponible sans vous obliger à bloquer vos fonds."}]},{"type":"paragraph","children":[{"type":"span","value":"C’est une solution intéressante pour les freelances qui disposent d’un excédent de trésorerie régulier et qui veulent le placer simplement, "},{"type":"span","marks":["strong"],"value":"sans prendre de risques ni perdre en flexibilité"},{"type":"span","value":". L’argent reste accessible à tout moment, ce qui permet de couvrir facilement les "},{"url":"https://www.shine.fr/blog/frais-professionnels/","type":"link","children":[{"type":"span","value":"frais pros"}]},{"type":"span","value":" imprévus."}]},{"type":"paragraph","children":[{"type":"span","value":"En revanche, le rendement reste faible : les taux d’intérêt se situent généralement entre 0,05 % et 1 %."}]},{"item":"NfsDD62wQFOS7MTge870zg","type":"block"},{"type":"heading","level":2,"children":[{"type":"span","value":"2. Fonds de trésorerie ou Organisme de Placement Collectif "}]},{"type":"paragraph","children":[{"type":"span","value":"Le fonds de trésorerie, aussi appelé OPC, est un placement qui permet d’"},{"type":"span","marks":["strong"],"value":"investir son excédent de trésorerie "},{"type":"span","value":"plutôt que de le laisser stagner sur un compte classique. Votre argent est alors géré par des professionnels qui le placent sur différents supports financiers."}]},{"type":"paragraph","children":[{"type":"span","value":"Ce placement a plusieurs avantages. Il permet de faire fructifier vos liquidités, avec un rendement généralement plus intéressant qu’un livret ou qu’un "},{"url":"https://www.shine.fr/blog/epargne-independant/","type":"link","children":[{"type":"span","value":"compte épargne"}]},{"type":"span","value":", tout en gardant "},{"type":"span","marks":["strong"],"value":"un niveau de risque modéré "},{"type":"span","value":"selon les fonds choisis. Il est donc adapté aux indépendant·es qui veulent "},{"url":"https://www.shine.fr/blog/tresorerie-entreprise-gestion/","type":"link","children":[{"type":"span","value":"gérer leur trésorerie"}]},{"type":"span","value":" intelligemment sans la bloquer sur le long terme."}]},{"item":"QJTBpNBASuCBdKbvqJEfwA","type":"block"},{"type":"heading","level":2,"children":[{"type":"span","value":"3. CDN ou Certificat de Dépôt Négociable"}]},{"type":"paragraph","children":[{"type":"span","value":"Le Certificat de Dépôt Négociable (CDN) est "},{"type":"span","marks":["strong"],"value":"un placement à court terme proposé par les banques"},{"type":"span","value":", qui permet de placer une trésorerie importante avec une rémunération connue à l’avance. Concrètement, vous prêtez de l’argent à une banque pour une durée déterminée, et "},{"type":"span","marks":["strong"],"value":"celle-ci vous rembourse le capital à l’échéance"},{"type":"span","value":", avec les intérêts prévus dès le départ."}]},{"type":"paragraph","children":[{"type":"span","value":"Ce placement est généralement considéré comme sûr, à condition de conserver le CDN jusqu’à son terme et que la banque reste solvable."}]},{"type":"paragraph","children":[{"type":"span","value":"Cependant, attention : "},{"type":"span","marks":["strong"],"value":"les conditions sont assez strictes"},{"type":"span","value":". À la Caisse d’Épargne, par exemple, il faut disposer d’un montant unitaire de souscription de 150 000 € et la durée peut aller de 1 jour à 1 an maximum."}]},{"type":"heading","level":2,"children":[{"type":"span","value":"4. Compte à terme ou dépôt à terme "}]},{"type":"paragraph","children":[{"type":"span","value":"Le compte à terme, aussi appelé dépôt à terme (CAT), est"},{"type":"span","marks":["strong"],"value":" un produit d’épargne qui permet de placer une somme d’argent pendant une durée définie"},{"type":"span","value":", en échange d’un taux d’intérêt fixé à l’avance. C’est une solution souvent utilisée pour valoriser une trésorerie disponible tout en gardant un cadre sécurisé et prévisible."}]},{"type":"paragraph","children":[{"type":"span","value":"Le principe est simple : vous bloquez une somme sur une période déterminée, et la banque s’engage à vous verser des intérêts à l’échéance. En contrepartie, les fonds ne sont généralement pas accessibles avant la fin du contrat, sauf en cas de retrait anticipé qui entraîne souvent des pénalités ou une baisse de rémunération."}]},{"type":"paragraph","children":[{"type":"span","value":"Lors de la souscription, plusieurs éléments sont précisés dans le contrat : "}]},{"type":"list","style":"bulleted","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"le montant minimum ou maximum du dépôt ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"la durée du placement ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"le mode de calcul et le taux d’intérêt ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"les conditions de retrait anticipé ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"ainsi que les modalités de renouvellement. "}]}]}]},{"type":"paragraph","children":[{"type":"span","value":"Cela permet d’avoir une vision claire de son placement dès le départ."}]},{"type":"paragraph","children":[{"type":"span","value":"Il existe plusieurs types de rémunération. Le taux peut être : "}]},{"type":"list","style":"bulleted","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"fixe, donc connu et garanti à l’avance ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"progressif (il augmente avec le temps) ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"ou variable selon l’évolution des taux du marché. "}]}]}]},{"item":"Yrh1wDf_QcSTLl6G6KsHUQ","type":"block"},{"type":"heading","level":2,"children":[{"type":"span","value":"5. Compte-titres"}]},{"type":"paragraph","children":[{"type":"span","value":"Un "},{"url":"https://www.shine.fr/blog/sarl-avantage-compte-titre/","type":"link","children":[{"type":"span","value":"compte-titres"}]},{"type":"span","value":" est "},{"type":"span","marks":["strong"],"value":"un compte bancaire sur lequel vous pouvez déposer des valeurs mobilières"},{"type":"span","value":". "}]},{"type":"paragraph","children":[{"type":"span","value":"En d’autres termes, "},{"type":"span","marks":["strong"],"value":"vous avez la possibilité d’y inscrire les actifs que vous achetez"},{"type":"span","value":", comme par exemple : "}]},{"type":"list","style":"bulleted","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"actions (parts du capital d’une société) ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"obligations (emprunt de l’État) ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"SICAV (produit d’épargne collective avec actions et obligations) ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"FCP (parts dans une copropriété) ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"Produits dérivés (contrats à terme, options, swaps…). "}]}]}]},{"type":"paragraph","children":[{"type":"span","value":"Voici les principaux"},{"type":"span","marks":["strong"],"value":" frais applicables"},{"type":"span","value":" : "}]},{"type":"list","style":"bulleted","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"frais de droits de garde du compte-titres ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"frais de courtage ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"frais de détention (souscription, gestion…)."}]}]}]},{"type":"heading","level":2,"children":[{"type":"span","value":"6. SCPI ou société civile de placement "}]},{"type":"paragraph","children":[{"type":"span","value":"La SCPI est un placement qui permet d’"},{"type":"span","marks":["strong"],"value":"investir indirectement dans l’immobilier"},{"type":"span","value":". Son principe est simple : elle collecte l’argent des investisseurs pour "},{"type":"span","marks":["strong"],"value":"acheter et gérer un patrimoine immobilier"},{"type":"span","value":" (bureaux, commerces, logements, etc.), puis redistribue les revenus générés sous forme de loyers."}]},{"type":"paragraph","children":[{"type":"span","value":"Concrètement, si vous souhaitez investir, vous pouvez"},{"type":"span","marks":["strong"],"value":" acheter des parts de SCPI "},{"type":"span","value":"directement auprès d’une société de gestion, via un intermédiaire ou encore par l’intermédiaire de votre banque. Le montant d’une part est généralement accessible, souvent compris entre 150 € et 1 000 €, ce qui permet de"},{"type":"span","marks":["strong"],"value":" diversifier progressivement son investissement"},{"type":"span","value":"."}]},{"type":"paragraph","children":[{"type":"span","value":"L’un des principaux avantages des SCPI est la diversification : elles donnent accès à un portefeuille immobilier varié, sans avoir à gérer directement les biens. C’est donc une solution intéressante pour "},{"type":"span","marks":["strong"],"value":"percevoir des revenus potentiels tout en mutualisant les risques"},{"type":"span","value":"."}]},{"type":"paragraph","children":[{"type":"span","value":"En revanche, il faut prendre en compte les frais, qui peuvent être relativement élevés. On retrouve notamment : "}]},{"type":"list","style":"bulleted","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"des frais d’entrée, généralement compris entre 5 % et 12 % du montant investi ;"}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"des frais de gestion prélevés sur les revenus, souvent autour de 8 % à 10 %. "}]}]}]},{"item":"bGINciITSPe8M5yAro6KJA","type":"block"},{"type":"heading","level":2,"children":[{"type":"span","value":"7. Financement d’énergies renouvelables "}]},{"type":"paragraph","children":[{"type":"span","value":"Vous avez également la possibilité de "},{"type":"span","marks":["strong"],"value":"placer votre trésorerie dans un fonds énergies renouvelables"},{"type":"span","value":". "}]},{"type":"paragraph","children":[{"type":"span","value":"Les projets portés concernent notamment les secteurs d’activité suivants : "}]},{"type":"list","style":"bulleted","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"éolien ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"énergie solaire ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"photovoltaïque ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"énergie hydraulique."}]}]}]},{"type":"paragraph","children":[{"type":"span","value":"Parmi les"},{"type":"span","marks":["strong"],"value":" intermédiaires éligibles vers lesquels se tourner"},{"type":"span","value":", on retrouve : "}]},{"type":"list","style":"bulleted","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"des conseillers en gestion de patrimoine ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"des "},{"url":"https://www.shine.fr/blog/choisir-plateforme-crowdfunding/","type":"link","children":[{"type":"span","value":"plateformes de crowdfunding"}]},{"type":"span","value":"."}]}]}]},{"item":"JiTtue7iSOiwp5BZrtf64w","type":"block"},{"type":"heading","level":2,"children":[{"type":"span","value":"Placer sa trésorerie quand on est indépendant : en résumé "}]},{"type":"paragraph","children":[{"type":"span","value":"En tant que freelance, vous souhaitez placer l'argent qui se trouve sur votre trésorerie ? "}]},{"type":"paragraph","children":[{"type":"span","value":"Résumons"},{"type":"span","marks":["strong"],"value":" les principales options qui s’offrent à vous"},{"type":"span","value":" : "}]},{"type":"list","style":"numbered","children":[{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"ouvrir un compte courant potentiellement rémunéré ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"identifier les fonds de trésorerie ou Organismes de Placement Collectifs pertinents ;  "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"envisager le Certificat de Dépôt Négociable si votre trésorerie est conséquente ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"contacter votre banque pour connaître les conditions d'ouverture d'un Compte à terme ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"déterminer la rémunération possible et les conditions d'éligibilité pour l'ouverture d'un compte-titres ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"envisager le placement immobilier par l'intermédiaire de la SCPI ; "}]}]},{"type":"listItem","children":[{"type":"paragraph","children":[{"type":"span","value":"participer au financement des énergies renouvelables via des fonds dédiés. "}]}]}]},{"type":"paragraph","children":[{"type":"span","value":"Et maintenant, voici "},{"url":"https://www.shine.fr/blog/banque-choix-independant/","type":"link","children":[{"type":"span","value":"quelle banque pro choisir quand on est freelance"}]},{"type":"span","value":". "}]},{"type":"paragraph","children":[{"type":"span","value":"Envie de recevoir davantage de conseils et d’astuces à destination des entrepreneur·es ? "},{"url":"https://www.shine.fr/newsletter-lanterne/?ae=279&blogcopilote=1","type":"link","children":[{"type":"span","value":"Notre newsletter La Lanterne"}]},{"type":"span","value":" est là pour ça. "}]},{"item":"GQCMHmXaTYeEWwuEZwD9Ww","type":"block"}]}},"blocks":[{"__typename":"DatoCmsCtaCardBlock","id":"NfsDD62wQFOS7MTge870zg","ctaCard":{"brandLogo":{"alt":"shine-logo-rebranding-noir-fond-blanc","url":"https://www.datocms-assets.com/54769/1677580553-shine-logo-rebranding-noir-fond-blanc.svg"},"copy":"Tous nos articles pour développer votre entreprise.","ctaLabel":"C'est parti !","ctaLink":"https://www.shine.fr/blog/developper-son-entreprise/?utm_source=copilote-cta-body&utm_medium=leads-organic&utm_campaign=acquisition&utm_content=copilote&source_type=organic-acquisition&source_support=copilote-cta-body&source_partner=shine&source_name=cta-body-blog","image":{"alt":"Compte pro Shine","url":"https://www.datocms-assets.com/54769/1677580820-entreprises.png?auto=format"}}},{"__typename":"DatoCmsBlockquoteemoji","id":"QJTBpNBASuCBdKbvqJEfwA","emoji":"⚠️","content":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"paragraph","children":[{"type":"span","value":"Avant de placer votre excédent, nous vous conseillons de réaliser un "},{"url":"https://www.shine.fr/blog/tableau-flux-tresorerie/","type":"link","children":[{"type":"span","value":"tableau de flux de trésorerie"}]},{"type":"span","value":". Cela peut vous aider à déterminer combien d’argent vous pouvez placer sans mettre en danger le fonctionnement de votre activité."}]}]}},"links":[]}},{"__typename":"DatoCmsCtaCardBlock","id":"Yrh1wDf_QcSTLl6G6KsHUQ","ctaCard":{"brandLogo":{"alt":"shine-logo-rebranding-noir-fond-blanc","url":"https://www.datocms-assets.com/54769/1677580553-shine-logo-rebranding-noir-fond-blanc.svg"},"copy":"Le compte pro qui en fait plus.","ctaLabel":"Découvrir Shine","ctaLink":"https://www.shine.fr/?utm_source=copilote-cta-body&utm_medium=leads-organic&utm_campaign=acquisition&utm_content=copilote&source_type=organic-acquisition&source_support=copilote-cta-body&source_partner=shine&source_name=cta-body-blog","image":{"alt":"Compte pro Shine","url":"https://www.datocms-assets.com/54769/1677580820-entreprises.png?auto=format"}}},{"__typename":"DatoCmsBlockquoteemoji","id":"bGINciITSPe8M5yAro6KJA","emoji":"💡","content":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"paragraph","children":[{"type":"span","value":"En tant qu’investisseur, vous êtes rémunéré·e via des dividendes. Celles-ci sont le plus souvent versées trimestriellement."}]}]}},"links":[]}},{"__typename":"DatoCmsCtaCardBlock","id":"JiTtue7iSOiwp5BZrtf64w","ctaCard":{"brandLogo":{"alt":"shine-logo-rebranding-noir-fond-blanc","url":"https://www.datocms-assets.com/54769/1677580553-shine-logo-rebranding-noir-fond-blanc.svg"},"copy":"Découvrez les sous-comptes avec Shine pour bien gérer votre trésorerie.","ctaLabel":"Découvrir","ctaLink":"https://www.shine.fr/souscomptes/?utm_source=copilote-cta-body&utm_medium=leads-organic&utm_campaign=acquisition&utm_content=copilote&source_type=organic-acquisition&source_support=copilote-cta-body&source_partner=shine&source_name=cta-body-blog","image":{"alt":"Shine carte noire","url":"https://www.datocms-assets.com/54769/1721721485-premium.png?auto=format"}}},{"__typename":"DatoCmsFaqBlock","id":"GQCMHmXaTYeEWwuEZwD9Ww","title":"Questions fréquentes","faqs":[{"question":"Pourquoi placer sa trésorerie professionnelle ?","id":"DatoCmsFaq-X2rvBuHbSN-UNHJU34Sr-w-fr","answer":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"paragraph","children":[{"type":"span","value":"Pour éviter que l'argent disponible sur le compte courant perde de la valeur avec l'inflation et pour générer un complément de revenus financiers."}]}]}},"links":[]}},{"question":"Quelle somme peut être placée ?","id":"DatoCmsFaq-YGjaLNy4SxyDsxyVaRvBOA-fr","answer":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"paragraph","children":[{"type":"span","value":"Uniquement la trésorerie dont vous n'aurez pas "},{"url":"https://www.shine.fr/blog/financement-besoin-court-terme-entreprise/","type":"link","children":[{"type":"span","value":"besoin à court terme"}]},{"type":"span","value":" pour payer vos charges, impôts ou investissements prévus."}]}]}},"links":[]}},{"question":"Quel est le placement le plus simple ?","id":"DatoCmsFaq-B9FoVWelSl2IL_6SAUj-qQ-fr","answer":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"paragraph","children":[{"type":"span","value":"Le compte à terme est souvent l'une des solutions les plus simples : vous placez une somme pendant une durée déterminée en échange d'un taux connu à l'avance."}]}]}},"links":[]}},{"question":"Quel est le placement le moins risqué ?","id":"DatoCmsFaq-SyHVDqrdSUyJG7IJyjpEkg-fr","answer":{"value":{"schema":"dast","document":{"type":"root","children":[{"type":"paragraph","children":[{"type":"span","value":"La solution de placement la moins risquée est généralement le compte à terme, suivi du compte courant rémunéré lorsqu’il est proposé par une banque. Les autres options (fonds, SCPI, compte-titres, CDN, énergies renouvelables) présentent un niveau de risque plus élevé avec une possible perte en capital."}]}]}},"links":[]}}]}],"links":[]},"relatedArticles":[]},"relatedArticles":{"nodes":[{"__typename":"DatoCmsArticle","title":"Top 5 des meilleurs logiciels de gestion de trésorerie en %currentYear%","slug":"meilleurs-logiciels-gestion-tresorerie","id":"DatoCmsArticle-PDV_UqGsQMue4RVfQHQrtw-fr","seo":{"description":"Vous recherchez LE meilleur logiciel de gestion de trésorerie du marché ? Ça tombe bien : notre article regorge de trésors et de pépites à découvrir. 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