{"id":699,"date":"2025-12-17T15:42:55","date_gmt":"2025-12-17T15:42:55","guid":{"rendered":"https:\/\/afgformation.fr\/fr\/?post_type=training&#038;p=699"},"modified":"2026-03-19T16:27:44","modified_gmt":"2026-03-19T16:27:44","slug":"seminaire-les-produits-financiers-assurance-retraite","status":"publish","type":"training","link":"https:\/\/afgformation.fr\/fr\/formation\/seminaire-les-produits-financiers-assurance-retraite\/","title":{"rendered":"S\u00e9minaire &#8211; Les produits financiers Assurance &amp; Retraite"},"content":{"rendered":"\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons has-white-background-color has-background is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-fc4fd283 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2026\/03\/Fiche-Produit-FP-PFAR-14-04-26.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>T\u00e9l\u00e9chargez le programme au format PDF<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:0;padding-bottom:0\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\" id=\"programme-detaille\">Objectifs p\u00e9dagogiques<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Faire un tour d&rsquo;horizon des produits financiers assurantiels et d&rsquo;\u00e9pargne retraite : sp\u00e9cificit\u00e9s, fonctionnement, gestion d&rsquo;actifs sous-jacente, risques associ\u00e9s.<\/li>\n\n\n\n<li>Comprendre les solutions disponibles dans un monde financier en constante \u00e9volution, avec des r\u00e9glementations europ\u00e9ennes et nationales qui contraignent g\u00e9rants et distributeurs, mais offrent aussi de nouvelles opportunit\u00e9s.<\/li>\n\n\n\n<li>Analyser comment les dimensions de d\u00e9veloppement durable, de transition \u00e9cologique, d&rsquo;approche ESG ou ISR, sont devenues transverses, \u00e0 l&rsquo;initiative des assureurs, avec une pression croissante des clients finaux.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/afg.vigicorp.work\/app\/uploads\/sites\/2\/2025\/12\/33.jpg\" alt=\"\" class=\"wp-image-518\" style=\"border-radius:20px\" srcset=\"https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/33.jpg 1000w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/33-300x200.jpg 300w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/33-768x512.jpg 768w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/33-60x40.jpg 60w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:0;padding-bottom:0\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/afg.vigicorp.work\/app\/uploads\/sites\/2\/2025\/12\/2150331684.jpg\" alt=\"\" class=\"wp-image-519\" style=\"border-radius:20px\" srcset=\"https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2150331684.jpg 1000w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2150331684-300x200.jpg 300w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2150331684-768x512.jpg 768w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2150331684-60x40.jpg 60w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\" id=\"programme-detaille\"><strong>Moyens p\u00e9dagogiques et techniques<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Format pr\u00e9sentiel<\/li>\n\n\n\n<li>Support de pr\u00e9sentation PPT<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"moyens-pedagogiques-et-techniques-1\">Programme d\u00e9taill\u00e9<\/h3>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p><strong>I- Panorama du March\u00e9<\/strong><\/p>\n\n\n\n<p>1- L\u2019Assurance-Vie<br>a. En France<br>b. En Europe<\/p>\n\n\n\n<p>2- Structure de l\u2019\u00e9pargne des Fran\u00e7ais<br>a. Poids de l\u2019Assurance Vie<br>b. Poids de l\u2019Epargne Retraite Volontaire<br>c. Epargne r\u00e9glement\u00e9e : quel vivier de transfert vers de l\u2019\u00e9pargne longue ?<\/p>\n\n\n\n<p><strong>II- Les Produits d\u2019Assurance<\/strong><\/p>\n\n\n\n<p>1- Typologie des contrats d\u2019assurance de personnes<\/p>\n\n\n\n<p>2- Le Produit Phare : le contrat en euros<br>a. Evolution des encours<br>b. Pourquoi un tel succ\u00e8s ?<br>c. La notion d\u2019actifs cantonn\u00e9s<br>d. L\u2019allocation d\u2019actifs de l\u2019assureur pour piloter le contrat en euros<br>e. Rendements induits<br>f. Quels risques pour l\u2019\u00e9pargnant ?<\/p>\n\n\n\n<p>3- Les Unit\u00e9s de Compte via multisupports<br>a. Evolution des Encours<br>b. Une gestion marked-to-market (ou presque)<br>c. Eventail des supports propos\u00e9s : vers une rationalisation ?<br>d. Une offre simplifi\u00e9e via des fonds profil\u00e9s : avantages et risques pour l\u2019\u00e9pargnant<br>e. Structures de frais<br>f. Une dimension ESG en filigrane<br>g. La n\u00e9cessit\u00e9 de penser son \u00e9pargne sur un horizon long<\/p>\n\n\n\n<p>4- Vers une meilleure protection de l\u2019\u00e9pargnant<br>a. Dans le sillage de la r\u00e9glementation sur les produits financiers<br>b. PRIIPS pour une meilleure transparence de l\u2019information<br>c. DDA pour responsabiliser producteur et distributeur<br>d. Connaissance des Profils Risques et ESG du client<\/p>\n\n\n\n<p><strong>III- Les Dispositifs d\u2019Epargne Suppl\u00e9mentaire<\/strong><\/p>\n\n\n\n<p>1- Une volont\u00e9 d\u2019encourager l\u2019\u00e9pargne retraite<br>a. Les dispositifs de la Loi PACTE<br>b. Une n\u00e9cessit\u00e9 de r\u00e9\u00e9quilibrer le syst\u00e8me de retraite par r\u00e9partition<br>c. Vers une retraite par capitalisation obligatoire ? Ou en est-on des d\u00e9bats ?<\/p>\n\n\n\n<p>2- Les Produits historiques<br>a. Dispositifs obligatoires<br>b. Dispositifs collectifs Facultatifs<br>c. Dispositifs Individuels<\/p>\n\n\n\n<p>3- Les deux produits phare<br>a. Les PERP, produits d\u2019\u00e9pargne individuels<br>b. Les PERCO, produits collectifs : un d\u00e9veloppement li\u00e9 au \u00ab partage de valeur \u00bb<\/p>\n\n\n\n<p>4- Les facteurs clefs de d\u00e9ploiement<br>a. Portabilit\u00e9 : les dispositifs propos\u00e9s<br>b. L\u2019enjeu de la r\u00e9version<br>c. Un d\u00e9ploiement large de l\u2019ESG et de la finance \u00e0 impact<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/afg.vigicorp.work\/app\/uploads\/sites\/2\/2025\/12\/2147890121.jpg\" alt=\"\" class=\"wp-image-520\" style=\"border-radius:20px;aspect-ratio:9\/16;object-fit:cover\" srcset=\"https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2147890121.jpg 1000w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2147890121-300x300.jpg 300w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2147890121-150x150.jpg 150w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2147890121-768x768.jpg 768w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2147890121-459x459.jpg 459w, https:\/\/www.afg.asso.fr\/app\/uploads\/sites\/2\/2025\/12\/2147890121-60x60.jpg 60w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"moyens-pedagogiques-et-techniques-1\">M\u00e9thode d&rsquo;\u00e9valuation des acquis<\/h3>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quizz de d\u00e9but et fin de formation identiques pour constater et analyser les acquis.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"moyens-pedagogiques-et-techniques-1\">Public<\/h3>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tout collaborateur d\u2019entreprise d\u2019investissement<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"moyens-pedagogiques-et-techniques-1\">D\u00e9lai d&rsquo;inscription <\/h3>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lundi 13 avril avant 16h00<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"moyens-pedagogiques-et-techniques-1\">Pr\u00e9requis<\/h3>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aucun<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"moyens-pedagogiques-et-techniques-1\">Formateurs<\/h3>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sylvie Malecot<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"moyens-pedagogiques-et-techniques-1\">Tarifs<\/h3>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1260 \u20ac net de taxes<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"votre-contact-afg-formation\">Votre contact AFG Formation<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized has-custom-border\"><img decoding=\"async\" src=\"https:\/\/afg.vigicorp.work\/app\/uploads\/sites\/2\/2025\/11\/Souffi-Herve_site-formation-1-1024x824.jpg\" alt=\"\" class=\"wp-image-368\" style=\"border-radius:20px;aspect-ratio:4\/3;object-fit:cover;width:285px;height:auto\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p><strong>Herv\u00e9 Souffi<\/strong><\/p>\n\n\n\n<p><a href=\"mailto:h.souffi@afg.asso.fr\" target=\"_blank\" rel=\"noreferrer noopener\">h.souffi@afg.asso.fr<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><a href=\"https:\/\/afgformation.fr\/fr\/training\/seminaire-panorama-et-actualites-reglementaires-de-la-gestion-dactifs\/\" data-type=\"training\" data-id=\"517\"><strong>T\u00e9l\u00e9chargez le programme en pdf<\/strong><\/a><\/p><\/blockquote><\/figure>\n\n\n\n<div style=\"height:103px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"featured_media":0,"template":"","class_list":["post-699","training","type-training","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/afgformation.fr\/fr\/wp-json\/wp\/v2\/training\/699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/afgformation.fr\/fr\/wp-json\/wp\/v2\/training"}],"about":[{"href":"https:\/\/afgformation.fr\/fr\/wp-json\/wp\/v2\/types\/training"}],"version-history":[{"count":0,"href":"https:\/\/afgformation.fr\/fr\/wp-json\/wp\/v2\/training\/699\/revisions"}],"wp:attachment":[{"href":"https:\/\/afgformation.fr\/fr\/wp-json\/wp\/v2\/media?parent=699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}