{"id":43988,"date":"2024-05-01T08:00:28","date_gmt":"2024-05-01T06:00:28","guid":{"rendered":"https:\/\/pareto.be\/?post_type=silo&#038;p=43988"},"modified":"2025-08-19T10:45:58","modified_gmt":"2025-08-19T08:45:58","slug":"diversification-des-investissements-en-art-ou-immobilier","status":"publish","type":"silo","link":"https:\/\/pareto.be\/fr\/tout-savoir\/family-office\/diversification-des-investissements-en-art-ou-immobilier\/","title":{"rendered":"Diversification des investissements via l\u2019art ou l\u2019immobilier"},"content":{"rendered":"<p>Le point commun entre ces deux types de placements est l\u2019<strong>aspect illiquide<\/strong>. Il est essentiel car cela signifie qu\u2019une notion de dur\u00e9e doit \u00eatre associ\u00e9e \u00e0 ce genre de placements pour \u00eatre certain de ne pas faire de mauvaise affaire et \u00eatre contraint de vendre dans l\u2019urgence.<\/p>\n<p>Globalement, la recommandation est de garder une partie de son patrimoine liquide afin d\u2019assurer les d\u00e9penses \u00e0 court terme et les \u00e9ventuels \u00ab\u00a0coups durs\u00a0\u00bb. Lorsque vous disposez d\u2019un horizon plus long (souvent 10 ans minimum), l\u2019immobilier peut, voire, doit faire partie de votre patrimoine. Pour l\u2019art, c\u2019est souvent plus subtil. Les investisseurs en art vont bien entendu souhaiter r\u00e9aliser une plus-value \u00e0 terme mais souvent le plaisir esth\u00e9tique et culturel prime lorsqu\u2019il s\u2019agit d\u2019acqu\u00e9rir une \u0153uvre.<\/p>\n<p>Concernant l\u2019immobilier, outre la plus-value \u00e0 terme, c\u2019est principalement l\u2019effet de levier qui va permettre d\u2019accro\u00eetre fortement ses avoirs. En effet, en empruntant, cela vous permet d\u2019investir un montant que vous n\u2019auriez pu investir dans un simple placement financier. Les loyers vont vous permettre de rembourser les int\u00e9r\u00eats alors que votre plus-value va se r\u00e9aliser sur l\u2019ensemble du bien. Voici un exemple\u00a0:<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\">vous placez 100 dans un placement financier<\/span> et obtenez un rendement de 40%\n<ul>\n<li>\u00e0 terme, vous aurez 140, <strong>gain de 40 <\/strong><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"text-decoration: underline;\">vous placez 100 en immobilier<\/span> et 900 en emprunt (bien d\u2019une valeur de 1000), vos loyers couvrent la charge d\u2019int\u00e9r\u00eat, un rendement identique de 40% va vous procurer un bien d\u2019une valeur de 1400 au terme.\n<ul>\n<li>Apr\u00e8s le remboursement de 900 (la somme emprunt\u00e9e), vous aurez donc 500 pour 100 investi, <strong>gain de 400<\/strong>, c\u2019est-\u00e0-dire 10 fois plus pour une dur\u00e9e de placement identique et un rendement identique.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Enfin, si nous consid\u00e9rons l\u2019aspect li\u00e9 \u00e0 la <strong>transmission patrimoniale<\/strong>, l\u2019art est plus simple \u00e0 transmettre que l\u2019immobilier. Pour l\u2019immobilier, il est primordial de bien planifier et faire usage des techniques de planification successorale existante dans le pays o\u00f9 le bien est situ\u00e9. Pour l\u2019art, c\u2019est plus simple et les r\u00e8gles vont en g\u00e9n\u00e9ral d\u00e9pendre du lieu de r\u00e9sidence du donateur et\/ou du donataire. En Belgique, c\u2019est le lieu du donateur qui est d\u00e9terminant et \u00e0 condition de vivre encore trois (Bruxelles et Flandre) ou cinq ans (Wallonie), il est possible de transmettre gratuitement une collection d\u2019art. Attention cependant de bien conserver l\u2019historique li\u00e9e \u00e0 l\u2019acquisition des \u0153uvres. En effet, les r\u00e8gles anti-blanchiment ont tendance \u00e0 fortement se durcir ces derni\u00e8res ann\u00e9es et ramener en banque un montant li\u00e9 \u00e0 une vente d\u2019art n\u2019est pas toujours une sin\u00e9cure.<\/p>\n<p><span class=\"relative -mx-px my-[-0.2rem] rounded px-px py-[0.2rem] transition-colors duration-100 ease-in-out\">Un accompagnement sur mesure vous permet de coordonner efficacement h\u00e9ritage, fiscalit\u00e9 et investissements : pour en savoir plus, consultez <strong>n<a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/family-office\/\">otre article d\u00e9di\u00e9.<\/a><\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Diversifier un portefeuille de placement. Les raisons peuvent \u00eatre multiples. Manque de temps, de connaissance, d\u2019envie ou encore simplement m\u00e9fiance par rapport \u00e0 des domaines que nous ma\u00eetrisons moins. Mais pourquoi, d\u00e8s lors, avons-nous int\u00e9r\u00eat \u00e0 diversifier vers des domaines comme l\u2019art ou l\u2019immobilier ?<\/p>\n","protected":false},"featured_media":43990,"parent":42708,"menu_order":0,"template":"","class_list":["post-43988","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":{"silo_children":"","alternate_title":"Diversification des investissements : comment l'art ou l'immobilier peuvent transformer votre portefeuille\u00a0?","introduction":"<p><strong>Diversifier un portefeuille de placement<\/strong>. Nous savons tous que la diversification est m\u00e8re de prudence en mati\u00e8re de placements mais l\u2019application concr\u00e8te de ce principe fait bien souvent d\u00e9faut. Les raisons peuvent \u00eatre multiples. Manque de temps, de connaissance, d\u2019envie ou encore simplement m\u00e9fiance par rapport \u00e0 des domaines que nous ma\u00eetrisons moins. <strong>Mais pourquoi, d\u00e8s lors, avons-nous int\u00e9r\u00eat \u00e0 diversifier vers des domaines comme l\u2019art ou l\u2019immobilier<\/strong> ?<\/p>\n"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Diversification en art et immobilier | Pareto<\/title>\n<meta name=\"description\" content=\"Diversifier son portefeuille est un aspect crucial pour \u00e9laborer une strat\u00e9gie d&#039;investissement r\u00e9ussie | Conseils Family Office Belgique\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pareto.be\/fr\/tout-savoir\/family-office\/diversification-des-investissements-en-art-ou-immobilier\/\" \/>\n<meta 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