{"id":11473,"date":"2022-11-28T19:07:01","date_gmt":"2022-11-29T00:07:01","guid":{"rendered":"https:\/\/kerrfinancial.ca\/changement-important-dans-le-rendement-des-obligations\/"},"modified":"2025-01-21T14:58:42","modified_gmt":"2025-01-21T19:58:42","slug":"changement-important-dans-le-rendement-des-obligations","status":"publish","type":"post","link":"https:\/\/kerrfinancial.ca\/fr\/blog\/planification-financiere-personnelle\/changement-important-dans-le-rendement-des-obligations\/","title":{"rendered":"Changement important dans le rendement des obligations"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Au 1<\/span><span style=\"font-weight: 400;\">er<\/span><span style=\"font-weight: 400;\">\u00a0janvier 2022, les obligations du gouvernement canadien sur 10\u00a0ans rapportaient un rendement de 1,43\u00a0%.\u00a0 \u00c0 la fin octobre, le rendement de ces m\u00eames obligations avait plus que doubl\u00e9 en l\u2019espace de 10 mois, pour atteindre 3,25\u00a0%.\u00a0 Ce changement, bien que relativement minime, a eu une incidence majeure sur le march\u00e9 des obligations. Que s\u2019est-il pass\u00e9, et quelle sera l\u2019incidence sur les portefeuilles et sur des investisseurs?\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En termes simples, le coupable est le resserrement de la politique mon\u00e9taire des banques centrales dans le but de temp\u00e9rer le taux d\u2019inflation plus \u00e9lev\u00e9 que pr\u00e9vu au moyen d\u2019une hausse des taux d\u2019int\u00e9r\u00eat \u00e0 court terme. Seulement les investisseurs ont r\u00e9agi en modulant leur attentes vis-\u00e0-vis du rendement attendu des actifs \u00e0 revenu fixe, et par anticipation, les rendements se sont relev\u00e9s partout sur la courbe de rendement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pour les investisseurs, la hausse rapide des rendements repr\u00e9sente un retour \u00e0 un march\u00e9 de placement en fonction du revenu qui a \u00e9t\u00e9 absent depuis la crise financi\u00e8re mondiale de 2008.\u00a0 De m\u00eame que lors de la crise de la COVID-19, vous vous souviendrez que les banques centrales avaient r\u00e9pondu rapidement et agressivement en abaissant les taux \u00e0 court terme pour r\u00e9tablir le calme sur les march\u00e9s financiers.\u00a0 Bien que cette mesure ait certes obtenu l\u2019effet escompt\u00e9, soit de stabiliser les march\u00e9s, elle a aussi fait en sorte que les taux d\u2019int\u00e9r\u00eat et les rendements obligataires ont \u00e9t\u00e9 extr\u00eamement bas pendant une d\u00e9cennie.\u00a0 En fait, ce mouvement r\u00e9cent \u00e0 la hausse du rendement des obligations du gouvernement canadien sur 10\u00a0ans qui donne un rendement de plus de 3,0\u00a0% ne s\u2019est pas produit depuis plus de dix ans.<\/span><\/p>\n<h2><b>Est-ce que les rendements obligataires plus \u00e9lev\u00e9s offrent aux investisseurs une occasion d\u2019investir?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u00c0 l\u2019instar du rendement des obligations du gouvernement canadien sur 10\u00a0ans, le rendement du march\u00e9 de titres \u00e0 revenu fixe g\u00e9n\u00e9ral repr\u00e9sent\u00e9 par l\u2019indice <\/span><i><span style=\"font-weight: 400;\">FTSE Canada All Corporate Bond<\/span><\/i><span style=\"font-weight: 400;\"> a \u00e9galement plus que doubl\u00e9 passant d\u2019un rendement de 2,3\u00a0% \u00e0 5,2\u00a0%.\u00a0 Naturellement, les investisseurs seront tout \u00e0 fait dispos\u00e9s \u00e0 accepter plus que le double du rendement sur le m\u00eame ensemble d\u2019actifs (\u00e0 savoir, un rendement plus \u00e9lev\u00e9 sans, \u00e0 peu pr\u00e8s, aucun risque suppl\u00e9mentaire).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Toutefois, comme les actifs sont g\u00e9n\u00e9ralement compris dans un portefeuille diversifi\u00e9, il faut \u00e9valuer la hausse r\u00e9cente des taux obligataires dans un contexte relatif ou compar\u00e9 par rapport aux rendements attendus d\u2019autres types d\u2019actifs.\u00a0 En comparant sp\u00e9cifiquement aux actions, l\u2019indice S&amp;P\/TSX\u00a060 (pond\u00e9r\u00e9 en fonction du march\u00e9) a eu un taux de dividende d\u2019environ 3,0\u00a0% au cours de la derni\u00e8re ann\u00e9e.\u00a0 Naturellement, les actions offrent aussi la possibilit\u00e9 d\u2019une appr\u00e9ciation du capital en plus d\u2019un rendement en dividendes et lorsqu\u2019ils sont combin\u00e9s, ils offrent aux investisseurs la possibilit\u00e9 d\u2019obtenir un rendement sup\u00e9rieur \u00e0 celui d\u2019un indice obligataire. Mais c\u2019est ce qui rend \u00e9galement le cours des actions plus volatil (et donc plus risqu\u00e9).\u00a0 Avec le march\u00e9 obligataire des soci\u00e9t\u00e9s canadiennes offrant un rendement sup\u00e9rieur, les investisseurs devraient r\u00e9\u00e9valuer si le rendement suppl\u00e9mentaire \u00e9ventuel offert par les actions vaut effectivement le surplus de risque.\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Avant 2022, une d\u00e9cennie de march\u00e9s des actions \u00e0 la hausse combin\u00e9e avec des taux de rendement obligataire bas a donn\u00e9 aux investisseurs peu de choix, sinon d\u2019opter pour les actions comme moyen d\u2019atteindre leurs objectifs financiers.\u00a0 Toutefois, le doublement des rendements obligataires a permis aux investisseurs de r\u00e9\u00e9valuer leurs options de placement.\u00a0 De concert avec une volatilit\u00e9 historiquement faible comparativement aux actions, les titres \u00e0 revenu fixe ont commenc\u00e9 \u00e0 para\u00eetre plus \u00ab\u00a0int\u00e9ressants\u00a0\u00bb aux investisseurs qui cherchent \u00e0 obtenir un revenu stable avec (\u00e9ventuellement) une volatilit\u00e9 inf\u00e9rieure et cette situation devrait \u00eatre per\u00e7ue comme une option \u00ab\u00a0de plus en plus concurrentielle\u00a0\u00bb lorsqu\u2019elle est compar\u00e9e aux actions.\u00a0\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Au 1er\u00a0janvier 2022, les obligations du gouvernement canadien sur 10\u00a0ans  [&#8230;]<\/p>\n","protected":false},"author":22,"featured_media":12084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[932,97,105],"tags":[],"class_list":["post-11473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment-management-2","category-planification-financiere-personnelle","category-planification-financiere-personnelle-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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