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background-color: rgba(220, 222, 225, 1); position:absolute; top: auto; bottom: 0; z-index: 1;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--item::after{content: ""; width: 105vw; height: 2px; background-color: rgba(220, 222, 225, 1); position:absolute; top: auto; bottom: 0; z-index: 1;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--active .brz-tabs__nav--button:before{content: ""; width: 100%; height: 2px; background-color: rgba(220, 222, 225, 1); position:absolute; bottom: 0; inset-inline-start: 0; z-index: 2;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--item::after, .brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--item::before, .brz .brz-css-d-tabs > .brz-tabs__nav--vertical .brz-tabs__nav--active::before, .brz .brz-css-d-tabs > .brz-tabs__nav--vertical .brz-tabs__nav--active::after, .brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--active::before, .brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--active::after, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--button, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item.brz-tabs__nav--active .brz-tabs__nav--button .brz-icon-svg-custom, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item:not(.brz-tabs__nav--active) .brz-tabs__nav--button .brz-icon-svg-custom, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item:not(.brz-tabs__nav--active) .brz-tabs__nav--button, .brz .brz-css-d-tabs > brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{transition-duration:0.50s;transition-property: filter, color, background, border-color, box-shadow;}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{font-size:14px;}}@media(max-width:767px){.brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{font-size:14px;}}.brz .brz-css-d-row-container{padding:10px;max-width:100%;}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-row-container{padding:0;}}@media(max-width:767px){.brz .brz-css-d-row-container{padding:0;}}.brz .brz-css-d-sectionpopup2 > .brz-bg > .brz-bg-image{-webkit-mask-image: none;
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mask-image: none;}.brz .brz-css-d-sectionpopup2 > .brz-bg > .brz-bg-color, .brz.brz-css-d-sectionpopup2:hover > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-d-row-row{margin:0;z-index: auto;align-items:flex-start;}.brz .brz-css-d-row-row > .brz-bg{border-radius: 0px;max-width:100%;mix-blend-mode:normal;}.brz .brz-css-d-row-row > .brz-bg{border:0px solid rgba(102, 115, 141, 0);box-shadow:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
mask-image: none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
mask-image: none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-d-row-row > .brz-row{border:0px solid transparent;}.brz .brz-css-d-row-row > .brz-row, .brz .brz-css-d-row-row > .brz-bg > .brz-bg-video, .brz .brz-css-d-row-row > .brz-bg, .brz .brz-css-d-row-row > .brz-bg > .brz-bg-image, .brz .brz-css-d-row-row > .brz-bg > .brz-bg-color{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}@media(min-width:991px){.brz .brz-css-d-row-row{min-height: auto;display:flex;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-row-row > .brz-row{flex-direction:row;flex-wrap:wrap;justify-content:flex-start;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-row-row{min-height: auto;display:flex;}}@media(max-width:767px){.brz .brz-css-d-row-row > .brz-row{flex-direction:row;flex-wrap:wrap;justify-content:flex-start;}}@media(max-width:767px){.brz .brz-css-d-row-row{min-height: auto;display:flex;}}.brz .brz-css-r-row-container{padding:0;}.brz .brz-css-r-wrapper{margin:0;}@media(min-width:991px){.brz .brz-css-bdogj2{width:100%;mix-blend-mode:normal;}}.brz .brz-css-29nl8g{margin:10px 0px 0px 0px;}@media(min-width:991px){.brz .brz-css-29nl8g{padding:0;margin:10px 0px 0px 0px;justify-content:center;position:relative;}.brz .brz-css-29nl8g .brz-wrapper-transform{transform: none;}}@media(min-width:991px){.brz .brz-css-29nl8g{display:flex;z-index: auto;position:relative;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-29nl8g{margin:10px 0px 10px 0px;}}@media(max-width:767px){.brz .brz-css-29nl8g{margin:10px 0px 10px 0px;}}.brz .brz-css-cJmOB{margin-top:0px !important;margin-bottom:0px !important;text-align:left!important;font-family:var(--brz-paragraphfontfamily, initial) !important;font-size:var(--brz-paragraphfontsize, initial);line-height:var(--brz-paragraphlineheight, initial);font-weight:var(--brz-paragraphfontweight, initial);letter-spacing:var(--brz-paragraphletterspacing, initial);font-variation-settings:var(--brz-paragraphfontvariation, initial);font-weight:var(--brz-paragraphbold, initial);font-style:var(--brz-paragraphitalic, initial);text-decoration:var(--brz-paragraphtextdecoration, initial) !important;text-transform:var(--brz-paragraphtexttransform, initial) !important;}@media(min-width:991px){.brz .brz-css-cJmOB{margin-top:0px !important;margin-bottom:0px !important;text-align:left!important;font-family:var(--brz-paragraphfontfamily, initial) !important;font-size:var(--brz-paragraphfontsize, initial);line-height:var(--brz-paragraphlineheight, 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width: auto;}}@media(max-width:767px){.brz .brz-css-1rvdhm8.brz-btn{font-family:var(--brz-buttonfontfamily, initial);font-weight:var(--brz-buttonmobilefontweight, initial);font-size:var(--brz-buttonmobilefontsize, initial);line-height:var(--brz-buttonmobilelineheight, initial);letter-spacing:var(--brz-buttonmobileletterspacing, initial);font-variation-settings:var(--brz-buttonmobilefontvariation, initial);font-weight:var(--brz-buttonmobilebold, initial);font-style:var(--brz-buttonmobileitalic, initial);text-decoration:var(--brz-buttonmobiletextdecoration, initial) !important;text-transform:var(--brz-buttonmobiletexttransform, initial) !important;padding:11px 26px 11px 26px;padding: 11px 26px; width: auto;}}.brz .brz-css-tAFMq{margin-top:0px !important;margin-bottom:0px !important;text-align:left!important;font-family:var(--brz-heading3fontfamily, initial) !important;font-size:var(--brz-heading3fontsize, initial);line-height:var(--brz-heading3lineheight, initial);font-weight:var(--brz-heading3fontweight, initial);letter-spacing:var(--brz-heading3letterspacing, initial);font-variation-settings:var(--brz-heading3fontvariation, initial);font-weight:var(--brz-heading3bold, initial);font-style:var(--brz-heading3italic, initial);text-decoration:var(--brz-heading3textdecoration, initial) !important;text-transform:var(--brz-heading3texttransform, initial) !important;}@media(min-width:991px){.brz .brz-css-tAFMq{margin-top:0px !important;margin-bottom:0px !important;text-align:left!important;font-family:var(--brz-heading3fontfamily, initial) !important;font-size:var(--brz-heading3fontsize, initial);line-height:var(--brz-heading3lineheight, initial);font-weight:var(--brz-heading3fontweight, initial);letter-spacing:var(--brz-heading3letterspacing, initial);font-variation-settings:var(--brz-heading3fontvariation, initial);font-weight:var(--brz-heading3bold, initial);font-style:var(--brz-heading3italic, initial);text-decoration:var(--brz-heading3textdecoration, initial) !important;text-transform:var(--brz-heading3texttransform, initial) !important;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-tAFMq{text-align:center!important;font-size:var(--brz-heading3tabletfontsize, initial);line-height:var(--brz-heading3tabletlineheight, initial);font-weight:var(--brz-heading3tabletfontweight, initial);letter-spacing:var(--brz-heading3tabletletterspacing, initial);font-variation-settings:var(--brz-heading3tabletfontvariation, initial);font-weight:var(--brz-heading3tabletbold, initial);font-style:var(--brz-heading3tabletitalic, initial);text-decoration:var(--brz-heading3tablettextdecoration, initial) !important;text-transform:var(--brz-heading3tablettexttransform, initial) !important;}}@media(max-width:767px){.brz .brz-css-tAFMq{font-size:var(--brz-heading3mobilefontsize, initial);line-height:var(--brz-heading3mobilelineheight, initial);font-weight:var(--brz-heading3mobilefontweight, initial);letter-spacing:var(--brz-heading3mobileletterspacing, initial);font-variation-settings:var(--brz-heading3mobilefontvariation, initial);font-weight:var(--brz-heading3mobilebold, initial);font-style:var(--brz-heading3mobileitalic, initial);text-decoration:var(--brz-heading3mobiletextdecoration, initial) !important;text-transform:var(--brz-heading3mobiletexttransform, initial) !important;}}@media(min-width:991px){.brz .brz-css-ct0y7w{width:100%;mix-blend-mode:normal;}}.brz .brz-css-159mez{margin:10px 0px 10px 0px;}@media(min-width:991px){.brz .brz-css-159mez{padding:0;margin:10px 0px 10px 0px;justify-content:center;position:relative;}.brz .brz-css-159mez .brz-wrapper-transform{transform: none;}}@media(min-width:991px){.brz .brz-css-159mez{display:flex;z-index: auto;position:relative;}}@media(max-width:767px){.brz .brz-css-159mez{margin:0;}}.brz .brz-css-e656r7.brz-column__items{padding:5px 90px 5px 30px;}@media(min-width:991px){.brz .brz-css-e656r7.brz-column__items{z-index: auto;margin:0;border:0px solid transparent;padding:5px 90px 5px 30px;min-height:100%; max-height:none; justify-content: inherit;transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}}@media(min-width:991px){.brz .brz-css-e656r7:hover{display:flex;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-e656r7.brz-column__items{padding:5px 15px 5px 30px;}}@media(max-width:767px){.brz .brz-css-e656r7.brz-column__items{padding:0px 20px 0px 20px;}}.brz .brz-css-19tl02s{flex:1 1 39.7%;max-width:39.7%;justify-content:flex-end;}.brz .brz-css-19tl02s .brz-columns__scroll-effect{justify-content:flex-end;}@media(min-width:991px){.brz .brz-css-19tl02s{z-index: auto;flex:1 1 39.7%;max-width:39.7%;justify-content:flex-end;max-height:none;}.brz .brz-css-19tl02s .brz-columns__scroll-effect{justify-content:flex-end;}.brz .brz-css-19tl02s > .brz-bg{margin:0;mix-blend-mode:normal;border-radius: 0px;}.brz .brz-css-19tl02s:hover > .brz-bg{border:0px solid rgba(102, 115, 141, 0);box-shadow:none;}.brz .brz-css-19tl02s > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
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mask-image: none;}.brz .brz-css-19tl02s:hover > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-19tl02s > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-19tl02s:hover > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-19tl02s > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-19tl02s:hover > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-19tl02s > .brz-bg, .brz .brz-css-19tl02s > .brz-bg > .brz-bg-image, .brz .brz-css-19tl02s > .brz-bg > .brz-bg-color{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-19tl02s{flex:1 1 100%;max-width:100%;}}@media(max-width:767px){.brz .brz-css-19tl02s{flex:1 1 100%;max-width:100%;}}@media(min-width:991px){.brz .brz-css-pdkbj8{padding:0;max-width:100%;}}@media(min-width:991px){.brz .brz-css-74hbgz{margin:0;z-index: auto;align-items:flex-start;}.brz .brz-css-74hbgz > .brz-bg{border-radius: 0px;max-width:100%;mix-blend-mode:normal;}.brz .brz-css-74hbgz:hover > .brz-bg{border:0px solid rgba(102, 115, 141, 0);box-shadow:none;}.brz .brz-css-74hbgz > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
mask-image: none;}.brz .brz-css-74hbgz:hover > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-74hbgz:hover > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-74hbgz > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
mask-image: none;}.brz .brz-css-74hbgz:hover > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-74hbgz > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-74hbgz:hover > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-74hbgz > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-74hbgz:hover > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-74hbgz:hover > .brz-row{border:0px solid transparent;}.brz .brz-css-74hbgz > .brz-row, .brz .brz-css-74hbgz > .brz-bg > .brz-bg-video, .brz .brz-css-74hbgz > .brz-bg, .brz .brz-css-74hbgz > .brz-bg > .brz-bg-image, .brz .brz-css-74hbgz > .brz-bg > .brz-bg-color{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}}@media(min-width:991px){.brz .brz-css-74hbgz{min-height: auto;display:flex;}}@media(min-width:991px){.brz .brz-css-ws5vp3:hover{border:0px solid transparent;}}@media(min-width:991px){.brz .brz-css-ws5vp3{max-width: calc(1 * var(--brz-section-container-max-width, 1170px));}}@media(min-width:991px){.brz .brz-css-pjt1bq{z-index: auto;margin:0;}.brz .brz-css-pjt1bq.brz-section .brz-section__content{min-height: auto;display:flex;}.brz .brz-css-pjt1bq .brz-container{justify-content:center;}.brz .brz-css-pjt1bq > .slick-slider > .brz-slick-slider__dots:hover{color:rgba(0, 0, 0, 1);}.brz .brz-css-pjt1bq > .slick-slider > .brz-slick-slider__arrow:hover{color:rgba(0, 0, 0, 0.7);}.brz .brz-css-pjt1bq > .slick-slider > .brz-slick-slider__dots > .brz-slick-slider__pause:hover{color:rgba(0, 0, 0, 1);}}@media(min-width:991px){.brz .brz-css-pjt1bq:hover{display:block;}}.brz .brz-css-gfcili.brz-btn--hover:not(.brz-btn--hover-in), .brz .brz-css-gfcili.brz-btn--hover-in:before{border: 0!important; background-color: transparent!important; box-shadow: none!important;}.brz .brz-css-gfcili.brz-btn--hover:not(.brz-btn--hover-in):before, .brz .brz-css-gfcili.brz-btn--hover-in{background-color: rgba(var(--brz-global-color5),0);background: transparent;}@media(min-width:991px){.brz .brz-css-gfcili.brz-btn--hover:not(.brz-btn--hover-in), .brz .brz-css-gfcili.brz-btn--hover-in:before{border: 0!important; background-color: transparent!important; box-shadow: none!important;background-image:none;}.brz .brz-css-gfcili.brz-btn--hover:not(.brz-btn--hover-in):before, .brz .brz-css-gfcili.brz-btn--hover-in{background-color: rgba(var(--brz-global-color5),0);background: transparent;}.brz .brz-css-gfcili.brz-btn--hover:not(.brz-btn--hover-in), .brz .brz-css-gfcili.brz-btn--hover-in:before, .brz .brz-css-gfcili.brz-btn--hover:not(.brz-btn--hover-in):before, .brz .brz-css-gfcili.brz-btn--hover-in{transition-duration:0.6s;}}@media(min-width:991px){.brz .brz-css-gfcili.brz-back-pulse:before:hover{animation-duration:0.6s;}}@media(min-width:991px){.brz .brz-css-kd4780{z-index: auto;margin:0;}.brz .brz-css-kd4780.brz-section .brz-section__content{min-height: auto;display:flex;}.brz .brz-css-kd4780 .brz-container{justify-content:center;}.brz .brz-css-kd4780 > .slick-slider > .brz-slick-slider__dots:hover{color:rgba(0, 0, 0, 1);}.brz .brz-css-kd4780 > .slick-slider > .brz-slick-slider__arrow:hover{color:rgba(0, 0, 0, 0.7);}.brz .brz-css-kd4780 > .slick-slider > .brz-slick-slider__dots > .brz-slick-slider__pause:hover{color:rgba(0, 0, 0, 1);}}@media(min-width:991px){.brz .brz-css-kd4780:hover{display:block;}}.brz .brz-css-jvog22{padding:15px 0px 15px 0px;}@media(min-width:991px){.brz .brz-css-jvog22{padding:15px 0px 15px 0px;}.brz .brz-css-jvog22 > .brz-bg{border-radius: 0px;mix-blend-mode:normal;}.brz .brz-css-jvog22:hover > .brz-bg{border:0px solid rgba(102, 115, 141, 0);}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
mask-image: none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
mask-image: none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__top{background-size: 100% 100px; height: 100px;transform: scale(1.02) rotateX(0deg) rotateY(0deg);z-index: auto;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__top::after{background-image: none; -webkit-mask-image: none;background-size: 100% 100px; height: 100px;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__bottom{background-size: 100% 100px; height: 100px;transform: scale(1.02) rotateX(-180deg) rotateY(-180deg);z-index: auto;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__bottom::after{background-image: none; -webkit-mask-image: none;background-size: 100% 100px; height: 100px;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-slideshow .brz-bg-slideshow-item{display: none;background-position: 50% 50%;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-slideshow .brz-bg-slideshow-item{filter:none;}.brz .brz-css-jvog22 > .brz-bg, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-image, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-map, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-color, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-video{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}}@media(min-width:991px){.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-image{background-attachment:scroll;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-jvog22{padding:15px 15px 42px 15px;}}@media(max-width:767px){.brz .brz-css-jvog22{padding:15px;}}@media(min-width:991px){.brz .brz-css-ayhgk3:hover{border:0px solid transparent;}}@media(min-width:991px){.brz .brz-css-ayhgk3{max-width: calc(1 * var(--brz-section-container-max-width, 1170px));}}@media(min-width:991px){.brz .brz-css-1b80d9f{margin:0;z-index: auto;align-items:flex-start;}.brz .brz-css-1b80d9f > .brz-bg{border-radius: 0px;max-width:100%;mix-blend-mode:normal;}.brz .brz-css-1b80d9f:hover > .brz-bg{border:0px solid rgba(102, 115, 141, 0);box-shadow:none;}.brz .brz-css-1b80d9f > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
mask-image: none;}.brz .brz-css-1b80d9f:hover > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-1b80d9f:hover > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-1b80d9f > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
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class="brz-a brz-btn brz-css-d-button brz-css-gfcili brz-css-d-button-bg brz-css-1891uqv" target="_self" rel="noopener" data-brz-link-type="external" data-brz-custom-id="ryjgiqpazaiwzxenhdlisiezknqehzxjctkl"><span data-brz-translate-text="1" class="brz-span brz-text__editor"><br></span></a><a class="brz-a brz-btn brz-css-d-button brz-css-1t5dnoj ads brz-css-d-button-bg brz-css-1rvdhm8" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="pfxkfycmgcuwxijgnbmfwbgqxjgnggzbvdmz"><span data-brz-translate-text="1" class="brz-span brz-text__editor">Code Bonus : JULAGA77</span></a></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-1mc6oq2 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-c5m7yp"></div></div><div id="" class="brz-css-d-wrapper brz-css-126ir8e brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1bqqe33" data-brz-custom-id="iyjjdwjugtqwoqccxxohyanrqkkxykrpiyuc"><div data-brz-translate-text="1"><p class="brz-text-lg-center brz-tp-lg-empty brz-ff-palanquin brz-ft-google brz-fs-lg-50 brz-fss-lg-px brz-fw-lg-700 brz-ls-lg-m_1_5 brz-lh-lg-1_3 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-css-zmmD4" data-generated-css="brz-css-tYMfi" data-uniq-id="kaDmb"><span class="brz-cp-color2">Investir 20000 euros sereinement en 2026 ?</span></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-1ub7utw brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-cd6ex6" data-brz-custom-id="wpIhlBBQT2U0"><div data-brz-translate-text="1"><p class="ql-align-center brz-mb-xs-10 brz-mt-xs-10 brz-text-sm-center brz-text-lg-center brz-tp-lg-empty brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-css-nSOZl" data-uniq-id="ykwRS" data-generated-css="brz-css-pdflG"><strong class="brz-capitalize-on brz-uppercase-true brz-cp-color1 brz-bold-true" style="color: rgba(var(--brz-global-color1),1);">ou un autre montant selon vos capacités</strong></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-rraubb brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-hswgfi" data-brz-custom-id="nzqIkU7bTIdm"><div data-brz-translate-text="1"><p class="brz-tp-lg-empty brz-ff-lato brz-ft-google brz-fs-lg-11 brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_3 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-css-ezAgN" data-generated-css="brz-css-rftJv" data-uniq-id="sd96M"><a class="brz-cp-color7 link--popup" style="color: rgba(115, 119, 127, 0.7);" href="#roWPBpyO7Vkl" data-brz-link-type="popup">Disclaimer*</a></p></div></div><div class="brz brz-popup2 brz-popup2__preview brz-popup2__auto brz-popup2--fixed brz-css-d-sectionpopup2 brz-css-10yfpz9" id="roWPBpyO7Vkl" data-brz-popup="roWPBpyO7Vkl" 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Elles ne constituent pas un conseil en investissement. Il appartient à l'utilisateur majeur et responsable de choisir de tester les services présentés. </span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-aOD8U" data-generated-css="brz-css-gpp45" data-uniq-id="wo6na"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);"> </span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-zry8Z" data-generated-css="brz-css-esRiE" data-uniq-id="qVaAF"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Les investissements comportent des risques, notamment le risque de perte partielle ou totale de capital. Aucun conseil et aucune information, qu’ils soient oraux ou écrits, obtenus sur ce site, ne sont susceptibles de créer des garanties. </span><span class="brz-cp-color2" style="color: rgb(10, 35, 55);">N'investissez que l'argent dont vous n'avez pas besoin immédiatement, et diversifiez vos investissements.</span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-bK6rW" data-generated-css="brz-css-esRiE" data-uniq-id="qVaAF"><span class="brz-cp-color2" style="color: rgb(10, 35, 55);"> </span></p><p class="brz-mb-lg-5 brz-text-xs-center brz-tp-lg-empty brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-css-c_4C2" data-generated-css="brz-css-m0lFv" data-uniq-id="fXPfc"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Certains liens présents sur cette page sont des liens d'affiliation, il ne vous ajoute aucun frais mais permettent à l'éditeur du site de maintenir le support.</span></p></div></div></div></div></div></div></div></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-1nme64b brz-wrapper"><div data-brz-action="click" class="brz-tabs brz-tabs--horizontal brz-tabs--style-2 brz-tabs--left brz-css-d-tabs brz-css-1izvpz5" data-brz-custom-id="xYWdw9zvJhYq"><ul class="brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-2 brz-tabs__nav--left"><li class="brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active"><div class="brz-tabs__nav--button"><span data-brz-translate-text="1" class="brz-span brz-text__editor"></span></div></li><li class="brz-tabs__nav--item brz-tabs__nav--desktop"><div class="brz-tabs__nav--button"><span data-brz-translate-text="1" class="brz-span brz-text__editor"></span></div></li></ul><div class="brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-2 brz-tabs__content--left"><div class="brz-tabs__items brz-tabs__items--active"><div class="brz-tabs__nav--mobile brz-tabs__nav--mobile--active"><div class="brz-tabs__nav--button"><span></span></div></div><div class="brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column"><div id="" class="brz-css-d-wrapper brz-css-tf55e5 brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1uif3qm" data-brz-custom-id="rGnbLUu7Abwi"><div data-brz-translate-text="1"><p class="brz-tp-lg-paragraph brz-css-kc40y" data-uniq-id="wA5AN" data-generated-css="brz-css-e9SSw"><br></p></div></div></div></div></div><div class="brz-tabs__items"><div class="brz-tabs__nav--mobile"><div class="brz-tabs__nav--button"><span></span></div></div><div class="brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column"><div id="" class="brz-css-d-wrapper brz-css-q7lfma brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1mn1614" data-brz-custom-id="tCSKRe7hnJga"><div data-brz-translate-text="1"><p class="brz-tp-lg-paragraph brz-css-xrQf4" data-generated-css="brz-css-e9SSw" data-uniq-id="wA5AN"><span class="brz-cp-color7">Avec 20 000 euros disponibles, la question n’est plus “peut-on” investir, mais “où loger au mieux ce capital pour éviter l’érosion du pouvoir d’achat, anticiper les changements, et bâtir de vrais revenus complémentaires ?”. Les investisseurs et épargnants naviguent en 2026 dans un univers où la stagnation ou la simple conservation du capital n’est plus une option. Inflation, fiscalité mouvante, innovations technologiques et attentes de transparence bousculent les schémas classiques. Le défi consiste à diversifier les placements, à rester agile, et à sécuriser ou booster la rentabilité de chaque euro.</span></p><p data-generated-css="brz-css-q_Gq_" data-uniq-id="kVwug" class="brz-tp-lg-paragraph brz-css-clR0e"><span class="brz-cp-color7">Bâtir sa stratégie d’investissement demande plus qu’une bonne intuition : il faut analyser chaque enveloppe, équilibrer la sécurité, la liquidité, les perspectives de rendement et la gestion du risque. Cela implique de considérer le marché immobilier, la bourse avec le PEA, la pierre papier comme les SCPI, le crowdfunding via des plateformes comme Bricks.co, ou encore l’assurance vie, tout en gardant un œil prudent sur les marchés volatils tels que les crypto-monnaies. Ce guide déroule un panorama complet, ponctué d’exemples concrets et d’astuces, pour optimiser et diversifier l’allocation de 20 000 euros, en tenant compte des réalités de 2026.</span></p><p data-generated-css="brz-css-useOS" data-uniq-id="wj6Tl" class="brz-tp-lg-paragraph brz-css-nPGAR"><span class="brz-cp-color7">En bref</span></p><ul><li class="brz-tp-lg-paragraph brz-css-zHGou" data-generated-css="brz-css-on8ef" data-uniq-id="l8Qv3"><span class="brz-cp-color7">20 000 euros : somme clef à investir, exigeant une optimisation contre l’inflation et une attention à la fiscalité.</span></li><li class="brz-tp-lg-paragraph brz-css-tzS3d" data-generated-css="brz-css-gSml5" data-uniq-id="xOwcU"><span class="brz-cp-color7">Diversification essentielle : immobilier locatif, SCPI, bourse via le PEA, assurance vie, crowdfunding, parking, crypto-monnaies.</span></li><li class="brz-tp-lg-paragraph brz-css-c3KiU" data-generated-css="brz-css-uejtc" data-uniq-id="xX6VM"><span class="brz-cp-color7">Capital placé selon son profil, ses objectifs et le niveau de risque accepté : sécurité, performance, rentabilité, liquidité.</span></li><li class="brz-tp-lg-paragraph brz-css-rWU6I" data-generated-css="brz-css-rTnRa" data-uniq-id="j3iLZ"><span class="brz-cp-color7">Importance d’une gestion active et d’un suivi régulier du portefeuille pour ajuster aux évolutions du marché.</span></li><li class="brz-tp-lg-paragraph brz-css-fVPzZ" data-generated-css="brz-css-zDT7C" data-uniq-id="gWBX2"><span class="brz-cp-color7">Accompagnement professionnel conseillé pour optimiser la répartition et les rendements, tout en évitant les principaux écueils.</span></li></ul><h2 data-generated-css="brz-css-niaTD" data-uniq-id="pTfEt" class="brz-tp-lg-heading2 brz-css-aN0Bm"><span class="brz-cp-color7">Pourquoi investir 20 000 euros en 2026 : enjeux, inflation et diversification</span></h2><h3 data-generated-css="brz-css-tIXcP" data-uniq-id="fmvQG" class="brz-tp-lg-heading3 brz-css-wgyPg"><span class="brz-cp-color7">Les impacts de l’inflation sur une épargne non investie</span></h3><p data-generated-css="brz-css-zpvvg" data-uniq-id="sKGdF" class="brz-tp-lg-paragraph brz-css-loo5e"><span class="brz-cp-color7">L’inflation en 2026 ne cesse de rogner le pouvoir d’achat des ménages. Conserver 20 000 euros sur un compte courant revient à accepter une perte silencieuse de son capital. Chaque année, la hausse des prix réduit ce que cette somme permet d’acquérir. Un exemple marquant : une enveloppe stable face à une inflation de 3,5 %, c’est près de 2 000 euros de valeur évaporée en cinq ans. Sans compter que les produits d’épargne traditionnels, souvent faiblement rémunérés, ne contrebalancent qu’à peine, voire pas du tout, cette dépréciation.</span></p><p data-generated-css="brz-css-enGzO" data-uniq-id="jX5x0" class="brz-tp-lg-paragraph brz-css-zWUzF"><span class="brz-cp-color7">Ne pas investir ses économies expose à ce phénomène d’érosion. Ce contexte pousse les épargnants à rechercher des placements dynamiques, capables de générer un rendement supérieur à l’inflation. Anticiper cette déperdition s’impose donc comme un prérequis pour tout détenteur de capital.</span></p><h3 data-generated-css="brz-css-i00Nc" data-uniq-id="vpufJ" class="brz-tp-lg-heading3 brz-css-vEWUs"><span class="brz-cp-color7">L’importance d’une stratégie d’investissement adaptée pour 20 000 euros</span></h3><p data-generated-css="brz-css-kJE9a" data-uniq-id="vDEKO" class="brz-tp-lg-paragraph brz-css-gpPGO"><span class="brz-cp-color7">La tentation peut être forte de vouloir tout placer sur le support offrant le rendement le plus élevé. Pourtant, chaque investissement s’accompagne de son lot de contraintes, d’horizons de placement, de fiscalité et de risques. La construction d’une vraie stratégie consiste à marier les atouts des différents supports tout en tenant compte de ses besoins personnels.</span></p><p data-generated-css="brz-css-lOueO" data-uniq-id="slzn1" class="brz-tp-lg-paragraph brz-css-sYMAl"><span class="brz-cp-color7">Une somme de 20 000 euros permet d’accéder à une pluralité de véhicules d’investissement : immobilier, marchés financiers via la bourse ou le PEA, assurance vie avec fonds euros et unités de compte, SCPI ou encore financement participatif immobilier. L’efficacité de l’allocation dépendra de la cohérence entre ces choix et les objectifs visés : valorisation du capital, génération de revenus récurrents ou préparation de la retraite.</span></p><h3 data-generated-css="brz-css-e7c2T" data-uniq-id="t5PsL" class="brz-tp-lg-heading3 brz-css-deyub"><span class="brz-cp-color7">Diversification des placements pour réduire les risques et maximiser les gains</span></h3><p data-generated-css="brz-css-eTAk0" data-uniq-id="x0YR_" class="brz-tp-lg-paragraph brz-css-lGy7x"><span class="brz-cp-color7">La diversification reste la pierre angulaire d’une gestion solide, surtout pour un capital de 20 000 euros. Il s’agit de répartir les fonds entre différents types de placements, secteurs ou zones géographiques afin de diminuer la dépendance vis-à-vis d’un seul marché ou actif. Cette approche protège d’une contre-performance isolée et maximise les opportunités de rendement.</span></p><p data-generated-css="brz-css-gOrqp" data-uniq-id="psBPn" class="brz-tp-lg-paragraph brz-css-o7Wi7"><span class="brz-cp-color7">Par exemple, combiner immobilier locatif, SCPI et bourse via ETF dans un PEA apporte des sources de revenus distinctes et optimise la répartition du risque. L’intégration de supports nouveaux comme le crowdfunding immobilier ou une fraction de crypto-monnaies ajoute une dimension innovante, tout en respectant une limite raisonnable pour ne pas exposer l’ensemble du capital à la volatilité.</span></p><h3 data-generated-css="brz-css-vFmOo" data-uniq-id="xu79V" class="brz-tp-lg-heading3 brz-css-yaOGh"><span class="brz-cp-color7">Critères à considérer pour choisir où investir 20 000 euros</span></h3><h4 data-generated-css="brz-css-gdRke" data-uniq-id="oElp0" class="brz-tp-lg-heading4 brz-css-nIvzv"><span class="brz-cp-color7">Évaluation des risques, coûts et fiscalité de chaque option</span></h4><p data-generated-css="brz-css-wk4R0" data-uniq-id="pZ57J" class="brz-tp-lg-paragraph brz-css-j4K5O"><span class="brz-cp-color7">L’analyse doit être exhaustive : pour chaque investissement, il faut jauger le niveau de risque, la rentabilité attendue, les frais inhérents (entrée, gestion, arbitrage) et la fiscalité associée. Certaines solutions, comme l’immobilier locatif classique, impliquent une gestion accrue et des charges, tandis que la pierre papier (SCPI) mutualise les risques mais prélève des frais de gestion parfois élevés.</span></p><p data-generated-css="brz-css-c9EUs" data-uniq-id="cEXiP" class="brz-tp-lg-paragraph brz-css-uSDhP"><span class="brz-cp-color7">Le PEA et l’assurance vie combinent fiscalité avantageuse et liberté de choix. À l’inverse, le crowdfunding immobilier demeure plus risqué, souvent réservé à une fraction du portefeuille, tout en proposant un rendement attractif. Une bonne allocation repose sur une balance réussie entre coût global, potentiel de plus-value et stabilité des revenus.</span></p><h4 data-generated-css="brz-css-wigwr" data-uniq-id="nBM47" class="brz-tp-lg-heading4 brz-css-bjBeG"><span class="brz-cp-color7">Conseils pour orienter sa réflexion avant tout engagement</span></h4><p data-generated-css="brz-css-pDkru" data-uniq-id="ogkQ2" class="brz-tp-lg-paragraph brz-css-jXq1W"><span class="brz-cp-color7">Se poser les bonnes questions avant d’investir ouvre la voie à l’optimisation : quelle part de son capital place-t-on en sécurité grâce au fonds euros ? Quel horizon de placement privilégie-t-on, court ou long terme ? Quels sont les besoins de liquidité et le niveau de perte acceptable ?</span></p><p data-generated-css="brz-css-rvA2R" data-uniq-id="pVsF7" class="brz-tp-lg-paragraph brz-css-sYfgd"><span class="brz-cp-color7">L’utilisation de simulateurs, l’analyse de cas concrets ou la consultation de retours d’expérience sur des plateformes spécialisées orientent fortement la prise de décision. Avant d’engager le moindre euro, s’informer auprès d’un professionel permet d’éviter les erreurs irrémédiables et d’adapter son investissement à son profil réel.</span></p><h2 data-generated-css="brz-css-ecDuC" data-uniq-id="ysGg2" class="brz-tp-lg-heading2 brz-css-hBUMY"><span class="brz-cp-color7">Les meilleures options d’investir 20 000 euros en 2026 : guide détaillé</span></h2><h3 data-generated-css="brz-css-tAhik" data-uniq-id="zKtvH" class="brz-tp-lg-heading3 brz-css-s1TA6"><span class="brz-cp-color7">Investissement immobilier physique locatif avec 20 000 euros</span></h3><p data-generated-css="brz-css-jvJtL" data-uniq-id="aspaP" class="brz-tp-lg-paragraph brz-css-tlWFm"><span class="brz-cp-color7">L’immobilier locatif reste un placement de référence pour constituer des revenus passifs. Avec 20 000 euros, il est possible d’utiliser cet apport pour obtenir un crédit immobilier et financer un studio ou un petit appartement dans une ville à forte demande. L’emplacement, la tension locative, la gestion des loyers et la fiscalité des revenus fonciers sont les critères déterminants.</span></p><p data-generated-css="brz-css-c_jFP" data-uniq-id="msECF" class="brz-tp-lg-paragraph brz-css-jrYAU"><span class="brz-cp-color7">Un cas concret : un studio acheté à crédit grâce à 20 000 euros d'apport, situé dans une grande agglomération, peut viser une rentabilité brute de 5 % à 7 %. Attention toutefois, la gestion locative reste contraignante, et il faut anticiper d’éventuelles périodes de vacance ou de travaux imprévus.</span></p><h3 data-generated-css="brz-css-m8zrQ" data-uniq-id="woBO2" class="brz-tp-lg-heading3 brz-css-zu_IN"><span class="brz-cp-color7">Investir en pierre papier via SCPI : avantages et fonctionnement</span></h3><p data-generated-css="brz-css-aY_nr" data-uniq-id="tKy24" class="brz-tp-lg-paragraph brz-css-j0cMS"><span class="brz-cp-color7">Les </span><strong class="brz-cp-color7">SCPI</strong><span class="brz-cp-color7">, ou Sociétés Civiles de Placement Immobilier, permettent d’acquérir une fraction de patrimoine immobilier géré par des professionnels. L’investisseur perçoit des revenus proportionnels aux parts détenues, sans gérer en direct les biens.</span></p><p data-generated-css="brz-css-pZzol" data-uniq-id="haVcw" class="brz-tp-lg-paragraph brz-css-gSlu0"><span class="brz-cp-color7">Le ticket d’entrée pour investir en SCPI commence souvent autour de 1 000 euros, rendant ce placement accessible et compatible avec la diversification d’un portefeuille de 20 000 euros. Les avantages : mutualisation du risque, rentabilité pouvant atteindre 4 à 6 %, absence de gestion quotidienne. Cependant, des frais d’entrée (5 % à 10 %) et des frais de gestion annuels réduisent légèrement la performance nette.</span></p><p data-generated-css="brz-css-sHIed" data-uniq-id="mx3u7" class="brz-tp-lg-paragraph brz-css-zhUSB"><span class="brz-cp-color7">Atout</span></p><p data-generated-css="brz-css-hKAm5" data-uniq-id="qTvkg" class="brz-tp-lg-paragraph brz-css-fZiCW"><span class="brz-cp-color7">SCPI</span></p><p data-generated-css="brz-css-xLehQ" data-uniq-id="duq6a" class="brz-tp-lg-paragraph brz-css-i2WlK"><span class="brz-cp-color7">Immobilier locatif classique</span></p><p data-generated-css="brz-css-yQEZc" data-uniq-id="wHflq" class="brz-tp-lg-paragraph brz-css-tt7Ce"><strong class="brz-cp-color7">Accessibilité</strong></p><p data-generated-css="brz-css-vEAHU" data-uniq-id="nCu2U" class="brz-tp-lg-paragraph brz-css-dmqfm"><span class="brz-cp-color7">À partir de 1 000 €</span></p><p data-generated-css="brz-css-gZNzg" data-uniq-id="wROPd" class="brz-tp-lg-paragraph brz-css-uOnjI"><span class="brz-cp-color7">Apport conséquent requis</span></p><p data-generated-css="brz-css-vIRMJ" data-uniq-id="x64Ht" class="brz-tp-lg-paragraph brz-css-bgjgZ"><strong class="brz-cp-color7">Gestion</strong></p><p data-generated-css="brz-css-tXA79" data-uniq-id="hk78d" class="brz-tp-lg-paragraph brz-css-ulNH0"><span class="brz-cp-color7">Délégée</span></p><p data-generated-css="brz-css-dmahs" data-uniq-id="cfXBL" class="brz-tp-lg-paragraph brz-css-qlsbV"><span class="brz-cp-color7">En direct</span></p><p data-generated-css="brz-css-eRBXE" data-uniq-id="fnGLI" class="brz-tp-lg-paragraph brz-css-exgbU"><strong class="brz-cp-color7">Rendement</strong></p><p data-generated-css="brz-css-jDikB" data-uniq-id="qcRJ3" class="brz-tp-lg-paragraph brz-css-vibZ0"><span class="brz-cp-color7">4-6 %</span></p><p data-generated-css="brz-css-n7U3b" data-uniq-id="fwdZK" class="brz-tp-lg-paragraph brz-css-hoa1o"><span class="brz-cp-color7">5-7 %</span></p><p data-generated-css="brz-css-mTl7V" data-uniq-id="ksXVc" class="brz-tp-lg-paragraph brz-css-zwJ_6"><strong class="brz-cp-color7">Liquidité</strong></p><p data-generated-css="brz-css-uVmjV" data-uniq-id="zEvQd" class="brz-tp-lg-paragraph brz-css-wHFza"><span class="brz-cp-color7">Variable selon marché secondaire</span></p><p data-generated-css="brz-css-pGmvx" data-uniq-id="nQO82" class="brz-tp-lg-paragraph brz-css-idG5C"><span class="brz-cp-color7">Faible</span></p><p data-generated-css="brz-css-qVTiU" data-uniq-id="hQGUJ" class="brz-tp-lg-paragraph brz-css-zVcYH"><span class="brz-cp-color7">En résumé, la SCPI est idéale pour ceux qui cherchent à investir dans l’immobilier tout en évitant la gestion quotidienne.</span></p><h3 data-generated-css="brz-css-o4wTY" data-uniq-id="efUpJ" class="brz-tp-lg-heading3 brz-css-dkJIO"><span class="brz-cp-color7">Placement dans une place de parking ou un box : rentabilité et critères</span></h3><p data-generated-css="brz-css-bEk6n" data-uniq-id="epk9q" class="brz-tp-lg-paragraph brz-css-nO5Us"><span class="brz-cp-color7">Le placement dans une place de parking ou un box séduit par son ticket d’entrée abordable, adapté à un investissement de 20 000 euros. Les atouts majeurs : gestion simplifiée, charges limitées, et une rentabilité souvent comprise entre 4 et 8 %.</span></p><p data-generated-css="brz-css-bn3P8" data-uniq-id="uZb7G" class="brz-tp-lg-paragraph brz-css-u9OUh"><span class="brz-cp-color7">L’important est de cibler un emplacement à forte demande (centre-ville, gare, quartier en tension), de vérifier les charges de copropriété et la présence éventuelle d’une réglementation particulière. Les frais de notaire restent modérés. Ce type de placement offre une bonne flexibilité pour compléter un portefeuille diversifié.</span></p><h3 data-generated-css="brz-css-xrfx0" data-uniq-id="oWNlC" class="brz-tp-lg-heading3 brz-css-mSGky"><span class="brz-cp-color7">Crowdfunding immobilier : opportunités, risques et choix de plateforme</span></h3><p data-generated-css="brz-css-ll_CB" data-uniq-id="gPHE1" class="brz-tp-lg-paragraph brz-css-ugSvX"><span class="brz-cp-color7">Le </span><strong class="brz-cp-color7">crowdfunding</strong><span class="brz-cp-color7"> immobilier a révolutionné l’accès à l’investissement dans la pierre. Grâce aux plateformes spécialisées comme Bricks.co, il devient possible d’investir dès quelques centaines d’euros dans des projets de promotion ou de rénovation, en mutualisant son apport avec d’autres particuliers. Les rendements peuvent atteindre 8 à 10 %, souvent sur des périodes courtes (12 à 36 mois).</span></p><p data-generated-css="brz-css-jBDdH" data-uniq-id="uaf5a" class="brz-tp-lg-paragraph brz-css-jJHlp"><span class="brz-cp-color7">Le principal risque : la non-aboutissement du projet ou le retard de paiement. D’où l’importance de sélectionner une plateforme régulée, de s’informer sur la solidité du porteur de projet, et de ne pas allouer plus de 10 à 15 % de son capital à ce type de placement, en respectant les règles de bonne diversification.</span></p><iframe class="ql-video" frameborder="0" allowfullscreen="true" src="https://www.youtube.com/embed/k5TSAlUlYFY?rel=1" height="480" width="640"></iframe><p data-generated-css="brz-css-gzFuB" data-uniq-id="lDLNx" class="brz-tp-lg-paragraph brz-css-ou6oi"><br></p><h3 data-generated-css="brz-css-sEBGx" data-uniq-id="vr5bv" class="brz-tp-lg-heading3 brz-css-ipz2d"><span class="brz-cp-color7">Assurance vie : options sécurisées et unités de compte pour 20 000 euros</span></h3><p data-generated-css="brz-css-x_o9V" data-uniq-id="yklkF" class="brz-tp-lg-paragraph brz-css-ikzmm"><span class="brz-cp-color7">L’assurance vie s’impose toujours comme une solution polyvalente, alliant sécurité et souplesse. Le </span><strong class="brz-cp-color7">fonds euros</strong><span class="brz-cp-color7"> garantit le capital investi, avec un rendement annuel moyen attendu de 2,5 % à 3,5 % en 2026. Pour dynamiser le portefeuille, l’ajout d’unités de compte permettant d’accéder à des ETF diversifiés sur la bourse ou à des titres immobiliers (SCI, SCPI) est conseillé, avec un panachage selon le profil de risque.</span></p><p data-generated-css="brz-css-aihw2" data-uniq-id="azvh1" class="brz-tp-lg-paragraph brz-css-xvCfe"><span class="brz-cp-color7">L’atout phare : une fiscalité allégée au bout de 8 ans, idéale pour protéger et transmettre son patrimoine. Les frais impliquent toutefois de bien comparer les contrats, notamment sur les frais d’entrée, d’arbitrage et de gestion.</span></p><h3 data-generated-css="brz-css-dQDJD" data-uniq-id="sJ_0p" class="brz-tp-lg-heading3 brz-css-iGMFd"><span class="brz-cp-color7">Investir en bourse avec un PEA et supports diversifiés</span></h3><p data-generated-css="brz-css-u_17D" data-uniq-id="w5OCk" class="brz-tp-lg-paragraph brz-css-dqav3"><span class="brz-cp-color7">Le PEA permet d’investir jusqu’à 150 000 euros sur un vaste panel d’actions françaises ou européennes en profitant, au-delà de cinq ans, d’une fiscalité privilégiée sur les plus-values et revenus. Investir 20 000 euros via des ETF, intégrés dans un PEA, offre une diversification automatique, avec l’accès à l’ensemble des secteurs du marché boursier.</span></p><h4 data-generated-css="brz-css-pELS9" data-uniq-id="d1zI0" class="brz-tp-lg-heading4 brz-css-aUtg4"><span class="brz-cp-color7">Avantages fiscaux et diversification via les ETF</span></h4><p data-generated-css="brz-css-k4o4P" data-uniq-id="juXAF" class="brz-tp-lg-paragraph brz-css-f2Cws"><span class="brz-cp-color7">Les ETF permettent de diversifier le portefeuille instantanément, réduisant la dépendance à une seule valeur. L’avantage du PEA réside dans la fiscalité appliquée aux gains : exonération d’impôt sur la plus-value après cinq ans, hors prélèvements sociaux. En 2026, la bourse reste attractive pour ceux qui acceptent d’investir sur un horizon long afin de lisser la volatilité.</span></p><h4 data-generated-css="brz-css-cy_ws" data-uniq-id="wk3Vo" class="brz-tp-lg-heading4 brz-css-yVJ9O"><span class="brz-cp-color7">Risques liés à la volatilité des marchés financiers</span></h4><p data-generated-css="brz-css-hR1cF" data-uniq-id="eiAaK" class="brz-tp-lg-paragraph brz-css-gq0aZ"><span class="brz-cp-color7">La volatilité reste le principal risque de l’investissement en bourse : cours parfois imprévisibles, corrections brutales, mais sur le long terme, le couple rendement/risque reste alléchant pour diversifier son patrimoine. Mixer ETF, actions à dividende, et obligations d’entreprises régionales ou européennes optimise la structure du portefeuille, tout en assurant une gestion du risque avisée.</span></p><h3 data-generated-css="brz-css-a_k9G" data-uniq-id="hMiJD" class="brz-tp-lg-heading3 brz-css-u7UIc"><span class="brz-cp-color7">Placer 20 000 euros dans les cryptomonnaies : précautions et stratégies</span></h3><p data-generated-css="brz-css-wQlVK" data-uniq-id="bZPsZ" class="brz-tp-lg-paragraph brz-css-x2Q8R"><span class="brz-cp-color7">Le marché des </span><strong class="brz-cp-color7">crypto-monnaies</strong><span class="brz-cp-color7"> attire par ses perspectives de rendement élevé mais suscite la plus grande prudence. N’investir qu’une petite fraction de ses 20 000 euros reste la règle, en privilégiant une diversification sur plusieurs devises numériques majeures. Il s’agit d’un univers hautement volatil, où le capital peut fluctuer fortement, à la hausse comme à la baisse.</span></p><p data-generated-css="brz-css-xsix0" data-uniq-id="b_ieT" class="brz-tp-lg-paragraph brz-css-dfGAn"><span class="brz-cp-color7">L’enjeu majeur tourne autour de la sécurité des plateformes utilisées, du stockage des avoirs, et de la gestion du risque systémique propre à ce secteur. Le recours à des outils de sécurisation, comme des portefeuilles hors ligne, fait partie des meilleures pratiques pour limiter son exposition.</span></p><h3 data-generated-css="brz-css-l1Qjn" data-uniq-id="vqDp5" class="brz-tp-lg-heading3 brz-css-chEMQ"><span class="brz-cp-color7">Investissement à risque : financer une jeune start-up avec 20 000 euros</span></h3><p data-generated-css="brz-css-xq3C9" data-uniq-id="rB8Fa" class="brz-tp-lg-paragraph brz-css-riSQ3"><span class="brz-cp-color7">Financer une start-up offre un fort potentiel de plus-value mais s’accompagne du risque de perte totale du capital. Avant d’engager une part de son portefeuille, l’investisseur doit étudier en profondeur le business model, la concurrence et la capacité de l’équipe à générer des revenus rapides.</span></p><p data-generated-css="brz-css-etsJK" data-uniq-id="pcTvq" class="brz-tp-lg-paragraph brz-css-aGvRv"><span class="brz-cp-color7">Diverses plateformes agréées permettent d’accéder au capital de jeunes entreprises innovantes à partir de quelques milliers d’euros. L’idéal étant de ne jamais investir plus de 5 à 10 % de son capital sur ce segment, en privilégiant les sociétés déjà accompagnées par des institutionnels ou dotées d’un track record solide.</span></p><h2 data-generated-css="brz-css-foeLN" data-uniq-id="kqIY1" class="brz-tp-lg-heading2 brz-css-dB3XY"><span class="brz-cp-color7">Construire une stratégie d’investissement efficace avec 20 000 euros</span></h2><h3 data-generated-css="brz-css-h1XuN" data-uniq-id="lUylI" class="brz-tp-lg-heading3 brz-css-dfxPk"><span class="brz-cp-color7">Diagnostic fiscal et financier personnalisé avant d’investir</span></h3><p data-generated-css="brz-css-x38dr" data-uniq-id="c6NlX" class="brz-tp-lg-paragraph brz-css-cWG5d"><span class="brz-cp-color7">L’analyse préalable de sa situation fiscale s’impose. Le taux d’imposition, l’accès à certains crédits d’impôt, et les revenus réguliers influencent le choix des enveloppes. Cette étape permet d’orienter l’allocation : fonds euros pour sécuriser une part du capital, SCPI ou bourse pour générer plus de rendement selon sa tolérance au risque.</span></p><p data-generated-css="brz-css-kKt0g" data-uniq-id="jcRWk" class="brz-tp-lg-paragraph brz-css-tLFVZ"><span class="brz-cp-color7">Un exemple : une tranche marginale élevée privilégiera l’assurance vie ou le PEA, afin de lisser, voire d’optimiser la fiscalité à terme. Des logiciels de simulation dédiés permettent de visualiser l’effort global et le gain net pour chaque scénario.</span></p><h3 data-generated-css="brz-css-lD8kW" data-uniq-id="qwwox" class="brz-tp-lg-heading3 brz-css-jFrhq"><span class="brz-cp-color7">Scénarios d’investissement adaptés selon profil et objectifs</span></h3><p data-generated-css="brz-css-oMcfR" data-uniq-id="wA_8Z" class="brz-tp-lg-paragraph brz-css-dJ05D"><span class="brz-cp-color7">Priorité à la concrétisation d’objectifs clairs : générer des revenus mensuels, diversifier largement, sécuriser le capital en prévision d’un besoin à court terme, préparer la retraite. Un investisseur prudent pourra choisir : 50 % fonds euros, 30 % SCPI, 20 % ETF via PEA. Un profil plus dynamique optera pour : 40 % ETF, 30 % SCPI, 15 % crowdfunding immobilier (plateformes comme Bricks), 15 % cryptomonnaies et obligations high yield.</span></p><p data-generated-css="brz-css-tNV5o" data-uniq-id="uAt4V" class="brz-tp-lg-paragraph brz-css-hEfY4"><span class="brz-cp-color7">Le choix du scénario dépend ainsi de la part de capital placée sur chaque support, du niveau de liquidité désiré et des perspectives de rentabilité.</span></p><h3 data-generated-css="brz-css-thks9" data-uniq-id="msqYg" class="brz-tp-lg-heading3 brz-css-oVOAv"><span class="brz-cp-color7">Diversification et ajustements réguliers face aux évolutions du marché</span></h3><p data-generated-css="brz-css-p8t4c" data-uniq-id="zZwY5" class="brz-tp-lg-paragraph brz-css-nROs_"><span class="brz-cp-color7">Le maintien d'un portefeuille performant passe par des ajustements réguliers. Une actualisation annuelle permet de rééquilibrer entre fonds euros, actions, obligations et immobilier afin de profiter des mouvements du marché et de minimiser le risque. La diversification garantit que la contre-performance d’un actif est compensée par la réussite d’un autre.</span></p><p data-generated-css="brz-css-fw0ma" data-uniq-id="lr3ai" class="brz-tp-lg-paragraph brz-css-xZIhY"><span class="brz-cp-color7">Par exemple, la baisse de l’immobilier résidentiel en zone tendue peut être contrebalancée par la hausse des SCPI de bureaux ou des obligations à haut rendement. En 2026, la gestion active devient incontournable pour composer avec la volatilité accrue et la recomposition perpétuelle des opportunités d’investissement.</span></p><ul><li class="brz-tp-lg-paragraph brz-css-gZSgT" data-generated-css="brz-css-qbqG9" data-uniq-id="iIxYj"><strong class="brz-cp-color7">Rééquilibrer régulièrement</strong><span class="brz-cp-color7"> son allocation pour profiter des meilleures perspectives.</span></li><li class="brz-tp-lg-paragraph brz-css-uNu4g" data-generated-css="brz-css-eIgsa" data-uniq-id="vbxyO"><strong class="brz-cp-color7">Rester attentif</strong><span class="brz-cp-color7"> aux nouvelles plateformes et supports innovants autorisés par la législation.</span></li></ul><h3 data-generated-css="brz-css-h3SyQ" data-uniq-id="fld4l" class="brz-tp-lg-heading3 brz-css-unpg_"><span class="brz-cp-color7">L’importance du recours à un conseiller fiscal ou financier expert</span></h3><p data-generated-css="brz-css-h1LDr" data-uniq-id="tsGLl" class="brz-tp-lg-paragraph brz-css-gyG4y"><span class="brz-cp-color7">Face à la complexité des règles fiscales, l’accompagnement par un professionnel optimise le rapport entre sécurité et performance. Un conseiller adapte l’investissement à la fiscalité du foyer, analyse l'intérêt d’utiliser le PEA, identifie les niches (SCPI fiscales, assurance vie optimisée) et prévient les pièges des allocations trop risquées.</span></p><p data-generated-css="brz-css-dtICy" data-uniq-id="wVyfy" class="brz-tp-lg-paragraph brz-css-izbJy"><span class="brz-cp-color7">Sa veille réglementaire et son expérience permettent de saisir les arbitrages gagnants et d’anticiper les futures évolutions des rendements des différents placements.</span></p><h2 data-generated-css="brz-css-iS1Qt" data-uniq-id="lnWl8" class="brz-tp-lg-heading2 brz-css-y3NZO"><span class="brz-cp-color7">Exemple pratique de répartition de 20 000 euros pour optimiser ses gains en 2026</span></h2><h3 data-generated-css="brz-css-mM8TS" data-uniq-id="zPDiW" class="brz-tp-lg-heading3 brz-css-jOPjo"><span class="brz-cp-color7">Composition fictive : SCPI, crowdfunding immobilier et investissement boursier</span></h3><p data-generated-css="brz-css-aZ4LJ" data-uniq-id="kplto" class="brz-tp-lg-paragraph brz-css-zJKzW"><span class="brz-cp-color7">Prenons le cas de Sophie, 35 ans, qui souhaite investir 20 000 euros pour maximiser la rentabilité et sécuriser une part de son capital. Son allocation : 8 000 € en SCPI (rendement annuel attendu : 5 %), 6 000 € en crowdfunding via Bricks.co (rendement cible : 9 %), 4 000 € dans des ETF sur un PEA (espérance de rendement annualisée : 7%), 2 000 € sur un fonds euros en assurance vie (garantie du capital, rendement ciblé : 2,8 %).</span></p><p data-generated-css="brz-css-gWhWo" data-uniq-id="aneGn" class="brz-tp-lg-paragraph brz-css-nnTjO"><span class="brz-cp-color7">Support</span></p><p data-generated-css="brz-css-tpZ_c" data-uniq-id="shel3" class="brz-tp-lg-paragraph brz-css-rjIYI"><span class="brz-cp-color7">Montant investi</span></p><p data-generated-css="brz-css-btPz3" data-uniq-id="tJiiS" class="brz-tp-lg-paragraph brz-css-hWHy8"><span class="brz-cp-color7">Rendement annuel cible</span></p><p data-generated-css="brz-css-zs5Xm" data-uniq-id="tglFl" class="brz-tp-lg-paragraph brz-css-oHWEf"><span class="brz-cp-color7">Risques principaux</span></p><p data-generated-css="brz-css-kUbXL" data-uniq-id="qDAky" class="brz-tp-lg-paragraph brz-css-i1JU9"><span class="brz-cp-color7">Liquidité</span></p><p data-generated-css="brz-css-lA5gc" data-uniq-id="qTOtU" class="brz-tp-lg-paragraph brz-css-mpEtL"><span class="brz-cp-color7">SCPI</span></p><p data-generated-css="brz-css-nIwIc" data-uniq-id="u9TNX" class="brz-tp-lg-paragraph brz-css-fUqt7"><span class="brz-cp-color7">8 000 €</span></p><p data-generated-css="brz-css-psXWm" data-uniq-id="wx6Ip" class="brz-tp-lg-paragraph brz-css-gUxTP"><span class="brz-cp-color7">5 %</span></p><p data-generated-css="brz-css-q8w4J" data-uniq-id="bgbqE" class="brz-tp-lg-paragraph brz-css-i7zle"><span class="brz-cp-color7">Marché immobiliier, délai revente</span></p><p data-generated-css="brz-css-uF7a1" data-uniq-id="zzpLv" class="brz-tp-lg-paragraph brz-css-of6t3"><span class="brz-cp-color7">Moyenne</span></p><p data-generated-css="brz-css-dgXvA" data-uniq-id="avZc0" class="brz-tp-lg-paragraph brz-css-zO3vn"><span class="brz-cp-color7">Crowdfunding immobilier (Bricks)</span></p><p data-generated-css="brz-css-lgmkm" data-uniq-id="za5i0" class="brz-tp-lg-paragraph brz-css-kuC_J"><span class="brz-cp-color7">6 000 €</span></p><p data-generated-css="brz-css-vbhef" data-uniq-id="tGKvG" class="brz-tp-lg-paragraph brz-css-zdr9v"><span class="brz-cp-color7">9 %</span></p><p data-generated-css="brz-css-kY7cy" data-uniq-id="i0VF3" class="brz-tp-lg-paragraph brz-css-uBTSh"><span class="brz-cp-color7">Défaut du promoteur, projet inachevé</span></p><p data-generated-css="brz-css-fP3bY" data-uniq-id="flCQj" class="brz-tp-lg-paragraph brz-css-jdXh1"><span class="brz-cp-color7">Faible à moyenne</span></p><p data-generated-css="brz-css-gL3ku" data-uniq-id="oQKsw" class="brz-tp-lg-paragraph brz-css-toWTH"><span class="brz-cp-color7">PEA – ETF Diversifiés</span></p><p data-generated-css="brz-css-mWl4G" data-uniq-id="gB5lK" class="brz-tp-lg-paragraph brz-css-gKBn4"><span class="brz-cp-color7">4 000 €</span></p><p data-generated-css="brz-css-k7l6x" data-uniq-id="iugpr" class="brz-tp-lg-paragraph brz-css-rM1uJ"><span class="brz-cp-color7">7 %</span></p><p data-generated-css="brz-css-vwZWy" data-uniq-id="qGO9J" class="brz-tp-lg-paragraph brz-css-lRZsV"><span class="brz-cp-color7">Volatilité bourse, baisse sectorielle</span></p><p data-generated-css="brz-css-aufc5" data-uniq-id="yzfwk" class="brz-tp-lg-paragraph brz-css-rnA0F"><span class="brz-cp-color7">Bonne</span></p><p data-generated-css="brz-css-x1c_P" data-uniq-id="tf7_L" class="brz-tp-lg-paragraph brz-css-b9Vau"><span class="brz-cp-color7">Assurance vie – Fonds euros</span></p><p data-generated-css="brz-css-kqZ9_" data-uniq-id="qL87l" class="brz-tp-lg-paragraph brz-css-b5lwa"><span class="brz-cp-color7">2 000 €</span></p><p data-generated-css="brz-css-vXNmQ" data-uniq-id="yfhB6" class="brz-tp-lg-paragraph brz-css-xVB4n"><span class="brz-cp-color7">2,8 %</span></p><p data-generated-css="brz-css-az1Eo" data-uniq-id="nYZhh" class="brz-tp-lg-paragraph brz-css-vY9FN"><span class="brz-cp-color7">Risque inflation, frais gestion</span></p><p data-generated-css="brz-css-tiFdi" data-uniq-id="rw8n7" class="brz-tp-lg-paragraph brz-css-bC8Sh"><span class="brz-cp-color7">Bonne</span></p><p data-generated-css="brz-css-oBrBq" data-uniq-id="pE9lV" class="brz-tp-lg-paragraph brz-css-fkHTn"><span class="brz-cp-color7">Cette allocation illustre une diversification étudiée pour viser une rentabilité moyenne annuelle supérieure à l’inflation de 2026, tout en ménageant une part sécurisée. Ce cas n’est qu’une illustration et doit être adapté pour chaque profil.</span></p><h3 data-generated-css="brz-css-kDE45" data-uniq-id="nNTGT" class="brz-tp-lg-heading3 brz-css-z3RCE"><span class="brz-cp-color7">Analyse des rendements combinés et prise en compte des risques</span></h3><p data-generated-css="brz-css-hFSYg" data-uniq-id="tjDrx" class="brz-tp-lg-paragraph brz-css-oW1xZ"><span class="brz-cp-color7">Le rendement global dépendra de la performance de chaque support et de la capacité à ajuster la répartition en cas d’aléas de marché. En croisant SCPI, crowdfunding immobilier, bourse via le PEA et fonds euros, Sophie peut espérer un rendement moyen pondéré autour de 6 %, tout en gardant une exposition gérable au risque.</span></p><p data-generated-css="brz-css-tpLNc" data-uniq-id="zN7Dp" class="brz-tp-lg-paragraph brz-css-mNVNb"><span class="brz-cp-color7">Cependant, certains éléments doivent rester sous surveillance : la résilience du marché immobilier, l’évolution des taux sur le marché obligataire et les mouvements de la bourse. Ajuster régulièrement sa composition reste la clef d’une gestion efficace.</span></p><h3 data-generated-css="brz-css-kxcCY" data-uniq-id="wDrY3" class="brz-tp-lg-heading3 brz-css-xCg87"><span class="brz-cp-color7">Mise en lumière des frais, fiscalité et critères clés pour chaque choix</span></h3><p data-generated-css="brz-css-ojvPq" data-uniq-id="rXIV8" class="brz-tp-lg-paragraph brz-css-nDgss"><span class="brz-cp-color7">Chaque investissement comporte sa structure de frais et de fiscalité. La SCPI entraîne des frais d’entrée et de gestion, le crowdfunding applique des commissions à la sortie. Le PEA offre une fiscalité exceptionnelle après cinq ans, tandis que l’assurance vie réduit la pression fiscale sur les revenus à terme grâce à la durée de détention.</span></p><p data-generated-css="brz-css-jtNAa" data-uniq-id="gtoOH" class="brz-tp-lg-paragraph brz-css-viBr2"><span class="brz-cp-color7">Il est conseillé d’analyser en détail ces paramètres avant de placer une part significative de son capital, afin de maximiser la rentabilité nette.</span></p><h3 data-generated-css="brz-css-hqGmE" data-uniq-id="qB1iH" class="brz-tp-lg-heading3 brz-css-ufjZ0"><span class="brz-cp-color7">Optimisation fiscale intégrée sans négliger les autres critères</span></h3><p data-generated-css="brz-css-b_ITR" data-uniq-id="y7yTK" class="brz-tp-lg-paragraph brz-css-wiw2F"><span class="brz-cp-color7">L’optimisation fiscale ne doit jamais être le seul critère de choix. Chercher la réduction d’impôt à tout prix peut conduire à des placements peu liquides ou risqués. Mieux vaut cibler une allocation adaptée à sa situation, puis intégrer la fiscalité comme un levier pour améliorer le rendement global en respectant la législation.</span></p><p data-generated-css="brz-css-fVn8F" data-uniq-id="zJDGS" class="brz-tp-lg-paragraph brz-css-aKwRZ"><span class="brz-cp-color7">Le bon équilibre consiste à mixer la sécurité du fonds euros, la performance de la bourse et la rentabilité innovante du crowdfunding ou des SCPI. Chaque arbitrage doit tenir compte de l’âge, des objectifs, de la capacité d’épargne et de la tolérance à la perte.</span></p><h3 data-generated-css="brz-css-sJ9Aa" data-uniq-id="mwDlZ" class="brz-tp-lg-heading3 brz-css-gn4lm"><span class="brz-cp-color7">Suivi actif et adaptation de la stratégie face aux nouvelles tendances économiques</span></h3><p data-generated-css="brz-css-eFWc_" data-uniq-id="zMjAL" class="brz-tp-lg-paragraph brz-css-fS11i"><span class="brz-cp-color7">Les tendances économiques et réglementaires influencent chaque segment de l’investissement. En 2026, les possibilités offertes par la digitalisation (plateformes de SCPI, crowdfunding immobilier fractionné) imposent d’être proactif. Suivre l’actualité du marché, les niveaux de rendement attendus, et adapter son allocation, permet de s’aligner sur les meilleures opportunités sans s’exposer inutilement au risque.</span></p><h3 data-generated-css="brz-css-xSd4H" data-uniq-id="euXo5" class="brz-tp-lg-heading3 brz-css-mJwlB"><span class="brz-cp-color7">Panorama actualisé des meilleures pratiques et régulations en 2026</span></h3><p data-generated-css="brz-css-erLsI" data-uniq-id="nGli4" class="brz-tp-lg-paragraph brz-css-vjup7"><span class="brz-cp-color7">En 2026, les régulateurs renforcent la protection des épargnants, les plateformes agréées comme Bricks sécurisent davantage les transactions. Les contrats d’assurance vie intègrent davantage de supports responsables, tandis que les SCPI innovent avec des véhicules diversifiés. Les investisseurs tirent avantage de portefeuilles pilotés, d’outils de gestion automatisée et de l’émergence d’obligations immobilières fractionnées, permettant d’investir sur la pierre avec de faibles montants tout en gardant une bonne liquidité.</span></p><p data-generated-css="brz-css-lviQ8" data-uniq-id="aFrWE" class="brz-tp-lg-paragraph brz-css-afh58"><span class="brz-cp-color7">Le respect des règles, la transparence des frais et la qualité du suivi client deviennent centraux pour bâtir une rentabilité solide et durable à partir de 20 000 euros.</span></p><p class="brz-tp-lg-paragraph brz-css-bztdw" data-generated-css="brz-css-ujguR" data-uniq-id="gt3xy"><br></p></div></div></div></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-10j8v54 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-4q4upy"></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-vjza4o" data-brz-custom-id="srvwhwpwjaofzsacmyhqlqwjeracjledvybv"><a class="brz-a brz-btn brz-css-d-button brz-css-1hm0xdz ads brz-css-d-button-bg brz-css-1q98li7" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="zuevdhcinvqtxbnsxlsjifudemajysfxfsbr"><span data-brz-translate-text="1" class="brz-span brz-text__editor">ça m'intéresse</span></a></div></div></div></section>
<section id="xdflbxlclpqmnaxkyfoaisnzkrhzeqpljeqd_xdflbxlclpqmnaxkyfoaisnzkrhzeqpljeqd" class="brz-section brz-css-d-section brz-css-pjt1bq"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-yd6el2" data-brz-custom-id="wlonwrtxryyhfjnwtivgssjdbqjsggnalfgv"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-container brz-css-d-sectionitem-container brz-css-ws5vp3"><div class="brz-row__container brz-css-d-row-row brz-css-74hbgz" data-brz-custom-id="uqrkeinipjabxwxudglqnwpbloyewfaruhlr"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-pdkbj8"><div class="brz-columns brz-css-d-column-column brz-css-19tl02s" data-brz-custom-id="hdhdbrhpafettgiktpfdidvgjirygmkummcq"><div class="brz-column__items brz-css-d-column-bg brz-css-e656r7"><div id="" class="brz-css-d-wrapper brz-css-159mez brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-ct0y7w" data-brz-custom-id="eoecnavaxxccynpnhgpwgwgwzvkvpcnafqze"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-heading3 brz-css-tAFMq" data-uniq-id="z9wSS" data-generated-css="brz-css-aqsos"><strong class="brz-cp-color2" style="color: rgb(10, 35, 55);">Sur Bricks.co l’investissement immobilier est accessible à tous</strong></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-3mjxg3 brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1jljn5s" data-brz-custom-id="icvmfwokzmywxecwadkmoxasipvcbjoeigap"><div data-brz-translate-text="1"><p class="ql-align-center brz-mb-xs-10 brz-mt-xs-10 brz-text-sm-center brz-tp-lg-paragraph brz-css-aayvF" data-uniq-id="w4wis" data-generated-css="brz-css-dHzhC"><span class="brz-cp-color7">Investissez dans des projets immobilier dès 10€ en obligations et recevez des revenus tous les mois.</span></p><p class="ql-align-center brz-mb-xs-10 brz-mt-xs-10 brz-text-sm-center brz-tp-lg-paragraph brz-css-l7YdQ" data-uniq-id="w4wis" data-generated-css="brz-css-dHzhC"><span class="brz-cp-color7">Des rendements attractifs y compris sur les montants non investis.</span></p></div></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-2gn0xa" data-brz-custom-id="ruynmfuhiwwdvxhmytyphgxyinscuhmksczp"><a class="brz-a brz-btn brz-css-d-button brz-css-vrqyji ads brz-css-d-button-bg brz-css-vwt9ub" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="tjmfzubehopnovfrxhuzitttdbniviicgqql"><svg class="brz-icon-svg align-[initial] brz-css-d-button-icon brz-css-ep84hz"><use href="https://invest2026.brizy.site/icon/23425512/outline/tail-right.svg#nc_icon"></use></svg><span data-brz-translate-text="1" class="brz-span brz-text__editor">je découvre</span></a></div><div id="" class="brz-css-d-wrapper brz-css-rtpynd brz-wrapper"><div class="brz-image brz-css-d-image-edizxhfasqcfbvibnxnikzvagbgrbjdwakoj-parent brz-css-1djv2rq" data-brz-custom-id="edizxhfasqcfbvibnxnikzvagbgrbjdwakoj"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-edizxhfasqcfbvibnxnikzvagbgrbjdwakoj-picture brz-css-jhxp23"><source srcset="https://cloud-1de12d.becdn.net/media/iW=345&iH=354&oX=0&oY=0&cW=345&cH=354/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 1x, https://cloud-1de12d.becdn.net/media/iW=690&iH=708&oX=0&oY=0&cW=690&cH=708/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/iW=249&iH=256&oX=0&oY=0&cW=249&cH=256/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 1x, https://cloud-1de12d.becdn.net/media/iW=498&iH=512&oX=0&oY=0&cW=498&cH=512/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/iW=226&iH=233&oX=0&oY=0&cW=226&cH=233/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 1x, https://cloud-1de12d.becdn.net/media/iW=452&iH=466&oX=0&oY=0&cW=452&cH=466/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 2x" src="https://cloud-1de12d.becdn.net/media/iW=345&iH=354&oX=0&oY=0&cW=345&cH=354/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png" loading="lazy" alt="" title="" draggable="false"></picture></div></div><div id="" class="brz-css-d-wrapper brz-css-38nxyz brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1nc5gfl" data-brz-custom-id="fddieytnpboxhgabtwcyhfviqmivphbvwqto"><div data-brz-translate-text="1"><p class="brz-text-xs-right brz-text-sm-center brz-mt-lg-0 brz-tp-lg-heading6 brz-css-kObCe" data-uniq-id="vISGh" data-generated-css="brz-css-wg4zb"><span class="brz-cp-color7">Compatible : </span></p><p class="brz-text-xs-right brz-text-sm-center brz-mt-lg-0 brz-tp-lg-heading6 brz-css-rmruZ" data-uniq-id="wzHEW" data-generated-css="brz-css-act8M"><span class="brz-cp-color7">iOS & Android</span></p></div></div></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-ip2vdg" data-brz-custom-id="iikvwlmdvdkltyhruwaamxnoxlvrhinjiqqf"><div class="brz-column__items brz-css-d-column-bg brz-css-195arn"><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-p94tqi brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-n8ml27"></div></div><div id="" class="brz-css-d-wrapper brz-css-h230a2 brz-wrapper"><div class="brz-image brz-css-d-image-rnzbzbbjomeebwrkjzotkkxqjkbghubpzjfg-parent brz-css-lerkhr" data-brz-custom-id="rnzbzbbjomeebwrkjzotkkxqjkbghubpzjfg"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-rnzbzbbjomeebwrkjzotkkxqjkbghubpzjfg-picture brz-css-lnsn2"><source srcset="https://cloud-1de12d.becdn.net/media/iW=312&iH=210&oX=0&oY=1&cW=312&cH=208/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 1x, https://cloud-1de12d.becdn.net/media/iW=624&iH=420&oX=0&oY=2&cW=624&cH=416/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/iW=318&iH=214&oX=0&oY=1&cW=318&cH=212/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 1x, https://cloud-1de12d.becdn.net/media/iW=636&iH=428&oX=0&oY=2&cW=636&cH=424/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/iW=344&iH=232&oX=0&oY=1&cW=344&cH=229/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 1x, https://cloud-1de12d.becdn.net/media/iW=688&iH=464&oX=0&oY=2&cW=688&cH=458/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 2x" src="https://cloud-1de12d.becdn.net/media/iW=312&iH=210&oX=0&oY=1&cW=312&cH=208/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp" loading="lazy" alt="" title="bricks-des-10e.webp" draggable="false"></picture></div></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-17t7yx3" data-brz-custom-id="qhybgpdgatofoudzduzijinuhtqrsctjwzkv"><div class="brz-column__items brz-css-d-column-bg brz-css-16bgzsv"><div id="" class="brz-css-d-wrapper brz-css-ehdy2 brz-wrapper"><div class="brz-image brz-css-d-image-mbxoriqzrfenkiqaizjkyzucmtcuvoqgdjto-parent brz-css-x34ft0" data-brz-custom-id="mbxoriqzrfenkiqaizjkyzucmtcuvoqgdjto"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-mbxoriqzrfenkiqaizjkyzucmtcuvoqgdjto-picture brz-css-yts03o"><source srcset="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 1x, https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 1x, https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 1x, https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 2x" src="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp" loading="lazy" alt="investir 20000 euros" title="brick-porto.webp" draggable="false"></picture></div></div></div></div></div></div></div></div></section>
<section id="xocihrbylvgdwloplnbxqkunmzdyfzzkvuph_xocihrbylvgdwloplnbxqkunmzdyfzzkvuph" class="brz-section brz-css-d-section brz-css-1jes27c"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-1gfgv4h" data-brz-custom-id="fkotqbospxwbarojytdkqlenvznumqgsckzr"><div class="brz-container brz-css-d-sectionitem-container brz-css-j25zti"><div class="brz-row__container brz-css-d-row-row brz-css-vnns3p" data-brz-custom-id="mzybhbgthfcshxsitcarhjobyamsetrleztc"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-vqnpxh"><div class="brz-columns brz-css-d-column-column brz-css-a39taw" data-brz-custom-id="ojygkrppbifckuihepytmzztiirghkuaxqgw"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-column__items brz-css-d-column-bg brz-css-1svxquk"><div id="" class="brz-css-d-wrapper brz-css-1mxqn0z brz-wrapper"><div class="brz-image brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent brz-css-lvu0ww" data-brz-custom-id="jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-picture brz-css-1lzuu5i"><source srcset="https://cloud-1de12d.becdn.net/media/iW=635&iH=249&oX=0&oY=0&cW=635&cH=249/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 1x, https://cloud-1de12d.becdn.net/media/iW=1270&iH=498&oX=0&oY=0&cW=1270&cH=498/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/iW=617&iH=242&oX=0&oY=0&cW=617&cH=242/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 1x, https://cloud-1de12d.becdn.net/media/iW=1234&iH=484&oX=0&oY=0&cW=1234&cH=484/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/iW=340&iH=133&oX=0&oY=0&cW=340&cH=133/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 1x, https://cloud-1de12d.becdn.net/media/iW=680&iH=266&oX=0&oY=0&cW=680&cH=266/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 2x" src="https://cloud-1de12d.becdn.net/media/iW=635&iH=249&oX=0&oY=0&cW=635&cH=249/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp" loading="lazy" alt="" title="truspilot-bricks.webp" draggable="false"></picture></div></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-1ylq7rn" data-brz-custom-id="gpznhliodbkplxziqqvsziqvsbytlvduhxfq"><div class="brz-column__items brz-css-d-column-bg brz-css-f2c5im"><div id="" class="brz-css-d-wrapper brz-css-mowvpk brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-skl7fw" data-brz-custom-id="qtfzgonvjsetztnxnguthkobrkuygukgamxz"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-heading3 brz-css-tNSiy" data-uniq-id="jDynd" data-generated-css="brz-css-fEMgV"><span class="brz-cp-color2">Les avis clients</span></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-1upv9fo brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-n0cvly" data-brz-custom-id="yihilxsfcdrebqnzkaijfhayqtbchfhmkrlk"><div data-brz-translate-text="1"><p class="brz-mb-lg-10 brz-tp-lg-paragraph brz-text-sm-center brz-css-cALo2" data-uniq-id="gktiP" data-generated-css="brz-css-zfELv"><span class="brz-cp-color7">Plus de 4000 avis sur Truspilot avec une note supérieure à 4/5.</span></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-98ntia brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1bobi8q" data-brz-custom-id="klxkvtvyutzrpybdxhxhprizhczvyjshvbms"><div class="brz-icon__container" data-brz-custom-id="nzmacezrzgdczguzchfhmqtnzlaqlvtlvnpv"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-13javia"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/glyph/check-bold.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-bdogj2" data-brz-custom-id="jhrjdnuffejnkwtctdtamkgatkqmuoasguyn"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-paragraph brz-css-b_YfH" data-uniq-id="ss378" data-generated-css="brz-css-lM12Z"><span class="brz-cp-color7">+ de 660 000 membres</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-1lg54wk brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-b6936r" data-brz-custom-id="hkllpfybwwtsbycxlbepocumoeufroqvztuj"><div class="brz-icon__container" data-brz-custom-id="xzycnzjctnzvdhendamgnmzpioznbkzdqnij"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-ozuent"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/glyph/check-bold.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1n029la" data-brz-custom-id="yxsquwjucbsixsiqdilgcnceewrzexcctctt"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-paragraph brz-css-cJmOB" data-uniq-id="pox6t" data-generated-css="brz-css-y_6qc"><span class="brz-cp-color7">+ de 200 projets financés</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-29nl8g brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-jy2o43" data-brz-custom-id="luowfdtcnhezbwjhxlaboiyxpsuexnybswsv"><div class="brz-icon__container" data-brz-custom-id="cxcfwsyolaqcgfdczmtxqmlnytvbrcqiquen"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-1331htb"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/glyph/check-bold.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-17kntp" data-brz-custom-id="mambzxgrvygwwuekplkyuuucpcisxdzfmgyk"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-paragraph brz-css-dRUxd" data-uniq-id="efTBl" data-generated-css="brz-css-cnE2u"><span class="brz-cp-color7">Des projets jusqu'à 5 millions €</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-qqi9sk brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-zue03n"></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-1xhe0z7" data-brz-custom-id="ejfbgkoowzefjgalqdsdbabuztfuvneyriuo"><a class="brz-a brz-btn brz-css-d-button brz-css-mxlk3m ads brz-css-d-button-bg brz-css-xtfkj4" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="odmtgfyypvidlsmlcizufokgqggnarsethfb"><span data-brz-translate-text="1" class="brz-span brz-text__editor">participer</span></a></div></div></div></div></div></div></div></section>
<section id="emncruheksmumyvgqxmtnezmvrkokzezmtiu_emncruheksmumyvgqxmtnezmvrkokzezmtiu" class="brz-section brz-css-d-section brz-css-1cbdqnh"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-1a7mkgq" data-brz-custom-id="vlujsdmwqnpxgshxandkqeiyvmlsmzvlbwut"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-container brz-css-d-sectionitem-container brz-css-c9g7c8"><div class="brz-row__container brz-css-d-row-row brz-css-ei0q67" data-brz-custom-id="hwmcitdvxsdjgwpqwgqkqyvwvlcepiqmhbso"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-a2tgwx"><div class="brz-columns brz-css-d-column-column brz-css-45kwh3" data-brz-custom-id="wblskslosfyknxsykeeklddalrdumubmqrtm"><div class="brz-column__items brz-css-d-column-bg brz-css-9z02x9"><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-oo4za8 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-1yiy16f"></div></div><div id="" class="brz-css-d-wrapper brz-css-1xfhy68 brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1pngzmt" data-brz-custom-id="zfnfljhgyleribftkcwacemgwjmfoajtyzcu"><div class="brz-icon__container" data-brz-custom-id="huhycvlgxtgevrnwugzzyhighvroqweuspwv"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-swoq6r"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/security.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-tzif4u" data-brz-custom-id="opryaajunqznfioaxekcodvqimtncnttgocj"><div data-brz-translate-text="1"><p class="brz-mb-xs-5 brz-mb-lg-15 brz-tp-lg-heading4 brz-css-kQSxG" data-uniq-id="pntoR" data-generated-css="brz-css-kQNC2"><span class="brz-cp-color2">Sécurité et règlementations</span></p><p class="brz-tp-lg-paragraph brz-css-hw8NF" data-uniq-id="cVypD" data-generated-css="brz-css-iZ7dw">Bricks exerce ses activités dans un environnement réglementé, qui garantit un niveau de sécurité élevé.</p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-12klacx brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-ofkwax"></div></div><div id="" class="brz-css-d-wrapper brz-css-fz0fw1 brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-2h94c6" data-brz-custom-id="pboiiexptqrvlltfyrxgdwylxeshpobbmbiq"><div class="brz-icon__container" data-brz-custom-id="zmgyvwwwkosoemiysvlyxtcishwzijuyyyun"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-qx4fzn"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/books.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1ghepuk" data-brz-custom-id="qtvnrcaadmvunwlqrvuierygwslrpmygfomp"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-vyVHn" data-generated-css="brz-css-rNYRl" data-uniq-id="xGh6u"><span class="brz-cp-color2">Ressources pédagogiques</span></p><p class="brz-tp-lg-paragraph brz-css-kMecl" data-generated-css="brz-css-gojP6" data-uniq-id="cjBFf"><span class="brz-cp-color7" style="color: rgb(79, 93, 121);">Des cours gratuits pour maîtriser tous les aspects de la solution. Découvrez dès maintenant les formations en ligne !</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-1a6o6lz brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-v7q2ss"></div></div><div id="" class="brz-css-d-wrapper brz-css-17g56tx brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1bvgniu" data-brz-custom-id="bUwxibZCFOU3"><div class="brz-icon__container" data-brz-custom-id="oUoYiYFZUSYh"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-14gdtjl"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/refresh-69.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-11i8e04" data-brz-custom-id="qPlHCF5VuhAI"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-zcK0e" data-generated-css="brz-css-r88WY" data-uniq-id="gV70k"><span class="brz-cp-color2">Investissements automatiques</span></p><p class="brz-tp-lg-paragraph brz-css-h5F9f" data-generated-css="brz-css-g7Fks" data-uniq-id="sewTZ"><span class="brz-cp-color7" style="color: rgb(118, 129, 139);">Configurez vos critères en quelques clics pour ne manquer aucun deal et laissez l'investissement automatique diversifier votre portefeuille.</span></p></div></div></div></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-2pog4b" data-brz-custom-id="yspqbvkoqpnlckyrweleuwejxjhgzkwbmfbd"><a class="brz-a brz-btn brz-css-d-button brz-css-1cpnvf0 ads brz-css-d-button-bg brz-css-x9gc2i" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="gyxrdjwagjwowxyusnzoezbguuhxwabgszrx"><span data-brz-translate-text="1" class="brz-span brz-text__editor">je me lance</span></a></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-16ynbac" data-brz-custom-id="rgscyjauzwcaidamzpzadxnypbtaziffcnpi"><div class="brz-column__items brz-css-d-column-bg brz-css-tx4cbm"><div id="" class="brz-css-d-wrapper brz-css-ma7ue9 brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-mnvm9b" data-brz-custom-id="bdvmqpwwjrlftcwumvspwtwsxkcdrtvchuhp"><div class="brz-icon__container" data-brz-custom-id="hpyyagwsecuzrymlvzvhofhagwdbwicqrqna"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-1oijpeh"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/eye-17.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-19xgfhl" data-brz-custom-id="msnminmihgydybcxdrjklgrbptzxvnvdifkf"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-hH2cF" data-generated-css="brz-css-sS1wq" data-uniq-id="rAWAN"><span class="brz-cp-color2">Sélection et analyse</span></p><p class="brz-tp-lg-paragraph brz-css-ygOEJ" data-generated-css="brz-css-la59M" data-uniq-id="uZonJ"><span class="brz-cp-color7">Des opportunités d'investissements analysées avant publication selon des critères précis.</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-1kyeqbk brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-imjulz"></div></div><div id="" class="brz-css-d-wrapper brz-css-oztktq brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1tsw279" data-brz-custom-id="fmbamcsjrmtmvowwvgrguwsnncicwfygmiwv"><div class="brz-icon__container" data-brz-custom-id="kdayskwvnrxcksohlqeaostvqxyrtepynbhl"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-1s8u730"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/round-euro.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1kb6d9l" data-brz-custom-id="gtzbjevnyptewxcgcxignxefxfdmgrwdogmt"><div data-brz-translate-text="1"><h4 data-generated-css="brz-css-wiiPr" data-uniq-id="b2edM" class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 ql-align-center brz-css-zj9nV"><span class="brz-cp-color2">Frais optimisés</span></h4><p class="brz-tp-lg-paragraph brz-css-gc1T8" data-generated-css="brz-css-rOJTN" data-uniq-id="dJYSL"><span class="brz-cp-color7">0% de frais d'entrée</span></p><p data-generated-css="brz-css-rOJTN" data-uniq-id="dJYSL" class="brz-tp-lg-paragraph brz-css-hiL9q"><span class="brz-cp-color7">0% de frais de gestion</span></p><p data-generated-css="brz-css-rOJTN" data-uniq-id="dJYSL" class="brz-tp-lg-paragraph brz-css-e_2Al"><span class="brz-cp-color7">1,20€ TTC de frais de retrait </span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-1d8og27 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-9ddr8b"></div></div><div id="" class="brz-css-d-wrapper brz-css-e3nq0g brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-cz057x" data-brz-custom-id="merjlfurwbpfarhttcqgqxxezdfupptthibx"><div class="brz-icon__container" data-brz-custom-id="ocpfuxzqsrwmozsxeltjfsdrziywgslcavhw"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-mh7p1j"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/voice-record.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1g1sj3c" data-brz-custom-id="gewnjeixoobqdubqlmhjckllfsosqroccbjv"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-c2uHx" data-generated-css="brz-css-xnje9" data-uniq-id="vYfsu"><span class="brz-cp-color2">Assistance</span></p><p class="brz-tp-lg-paragraph brz-css-p_LRG" data-generated-css="brz-css-dxuvb" data-uniq-id="pZdAV"><span class="brz-cp-color7" style="color: rgb(79, 93, 121);">Une équipe est à votre disposition pour vous aider de 8h à 19h du lundi au vendredi.</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-qckon6 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-1iax3io"></div></div></div></div></div></div></div></div></section>
<section id="zqpjjadzsehesodnoqvhcpeutwjiaxahuvkq_zqpjjadzsehesodnoqvhcpeutwjiaxahuvkq" class="brz-section brz-css-d-section brz-css-28uggu"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-1ygztvs" data-brz-custom-id="wembndpjpziseorzlktsxowwehnhptycjdpy"><div class="brz-container brz-css-d-sectionitem-container brz-css-1u56rrh"><div class="brz-row__container brz-css-d-row-row brz-css-150nf9g" data-brz-custom-id="zwmrsteaxczxtldmyodvdjajhvdudwypgwis"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-yddu9t"><div class="brz-columns brz-css-d-column-column brz-css-ls48q8" data-brz-custom-id="spktknarcsljgvzisnondaveehxwesqbfoxs"><div class="brz-bg"><div class="brz-bg-color"></div></div><div class="brz-column__items brz-css-d-column-bg brz-css-1sx2xrd"><div class="brz-row__container brz-css-d-row-row brz-css-7orzab" data-brz-custom-id="zockomroiozghxcqvcfpnqanpushuanvptdf"><div class="brz-row brz-row--inner brz-css-d-row-container brz-css-r-row-container brz-css-axvbv"><div class="brz-columns brz-css-d-column-column brz-css-1qgq1fq" data-brz-custom-id="kwoqdztqfjmhgeuhaktwlgmmagbwwjspodlu"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-column__items brz-css-d-column-bg brz-css-cmwo51"><div id="" class="brz-css-d-wrapper brz-css-50x9gz brz-wrapper"><div class="brz-image brz-css-d-image-wmycbuthwhs9-parent brz-css-bjsb6x" data-brz-custom-id="wmycBUTHWhS9"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-wmycbuthwhs9-picture brz-css-1l1zbaa"><source srcset="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 1x, https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 1x, https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 1x, https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 2x" src="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp" loading="lazy" alt="" title="Photo-Cedric.webp" draggable="false"></picture></div></div><div id="" class="brz-css-d-wrapper brz-css-1qetkua brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-3ba83k" data-brz-custom-id="zoahchqoiynjgsomlahequziiwgtbvufyyev"><div data-brz-translate-text="1"><h3 class="brz-mb-lg-10 brz-tp-lg-heading4 brz-text-lg-center brz-css-j_yTe" data-uniq-id="dFkY5" data-generated-css="brz-css-yL4Z4"><span class="brz-cp-color6">"Vous aussi profitez d'opportunités exceptionnelles"</span></h3></div></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-4wnwxx" data-brz-custom-id="vHVMwYHzHtjE"><a class="brz-a brz-btn brz-css-d-button brz-css-m9rf0c ads brz-css-d-button-bg brz-css-nxl93a" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="jZgQQSkNL6ID"><span data-brz-translate-text="1" class="brz-span brz-text__editor">COMMENCER à investir </span></a></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-qxm4fq" data-brz-custom-id="gJ5j27U_DUdH"><a class="brz-a brz-btn brz-css-d-button brz-css-1gqofn5 ads brz-css-d-button-bg brz-css-o9s2uc" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="ejqRho2yZBH2"><span data-brz-translate-text="1" class="brz-span brz-text__editor">COMMENCER A INVESTIR </span></a></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-uvb6kq" data-brz-custom-id="nebxbvkdjbrbfvbjbuljkjilawldkmudgdcm"><a class="brz-a brz-btn brz-css-d-button brz-css-5mwmej brz-css-d-button-bg brz-css-ore6xh" target="_self" rel="noopener" data-brz-link-type="external" data-brz-custom-id="zjvflzboknbowcjibgoskcnvhxhcmuzrcaoz"><span data-brz-translate-text="1" class="brz-span brz-text__editor">LET'S SET UP A CALL</span></a></div></div></div></div></div></div></div></div></div></div></div></section>
</div><div class="brz brz-conditions-popup brz-conditions-internal-popup" data-brz-trigger_once=""><div class="brz brz-popup2 brz-popup2__preview brz-popup2__auto brz-popup2--fixed brz-css-d-sectionpopup2 brz-css-1g5sn8b" id="mgcdihbcvpmzuvbkkvlbhbedjlxabejrjqzr" data-brz-popup="mgcdihbcvpmzuvbkkvlbhbedjlxabejrjqzr" data-brz-click_outside_to_close="true" data-brz-once-id="mgcdihbcvpmzuvbkkvlbhbedjlxabejrjqzr" data-brz-custom-id="pTdu6sBwajZu"><div class="brz-bg"><div class="brz-bg-color"></div></div><div class="brz-popup2__inner brz-d-xs-flex brz-flex-xs-wrap brz-css-d-sectionpopup2-bg brz-css-xa5iwn"><div class="brz-container__wrap"><div class="brz-popup2__close" data-brz-custom-id="pTdu6sBwajZu--close"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/editor/close-popup.svg#brz_icon"></use></svg></div><div class="brz-container"><div class="brz-row__container brz-css-d-row-row brz-css-q2i3du" data-brz-custom-id="qfE8Xb3mJF1k"><div class="brz-bg"><div class="brz-bg-color"></div></div><div class="brz-row brz-css-d-row-container brz-css-qhu70k"><div class="brz-columns brz-css-d-column-column brz-css-1if2n94" data-brz-custom-id="kojHsaqXq_0d"><div class="brz-column__items brz-css-d-column-bg brz-css-e2bufr"><div id="" class="brz-css-d-wrapper brz-css-15akz3q brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1foh89s" data-brz-custom-id="pqwZdjZEkrsr"><div data-brz-translate-text="1"><h3 class="brz-text-xs-center brz-tp-lg-heading3 brz-css-g2Oto" data-uniq-id="mFzX5" data-generated-css="brz-css-iuvO1"><span class="brz-cp-color2">Disclaimer</span></h3></div></div></div><div id="" class="brz-css-d-wrapper brz-css-h5qia1 brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1h914h6" data-brz-custom-id="fG0oS2Ajv9_S"><div data-brz-translate-text="1"><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-y9ShR" data-generated-css="brz-css-gpp45" data-uniq-id="wo6na"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Les informations contenues sur ce site sont diffusées à titre d’information seulement. Elles ne constituent pas un conseil en investissement. Il appartient à l'utilisateur majeur et responsable de choisir de tester les services présentés. </span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-kCEaf" data-generated-css="brz-css-gpp45" data-uniq-id="wo6na"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);"> </span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-vIqsK" data-generated-css="brz-css-esRiE" data-uniq-id="qVaAF"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Les investissements comportent des risques, notamment le risque de perte partielle ou totale de capital. Aucun conseil et aucune information, qu’ils soient oraux ou écrits, obtenus sur ce site, ne sont susceptibles de créer des garanties. </span><span class="brz-cp-color2" style="color: rgb(10, 35, 55);">N'investissez que l'argent dont vous n'avez pas besoin immédiatement, et diversifiez vos investissements.</span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-sEnb5" data-generated-css="brz-css-esRiE" data-uniq-id="qVaAF"><span class="brz-cp-color2" style="color: rgb(10, 35, 55);"> </span></p><p class="brz-mb-lg-5 brz-text-xs-center brz-tp-lg-empty brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-css-wthOB" data-generated-css="brz-css-m0lFv" data-uniq-id="fXPfc"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Certains liens présents sur cette page sont des liens d'affiliation, il ne vous ajoute aucun frais mais permettent à l'éditeur du site de maintenir le support.</span></p></div></div></div></div></div></div></div></div></div></div></div>
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