En Mayenne : il donne des tuyaux pour payer moins de frais bancaires et réaliser de meilleurs placements

A l'heure où il est beaucoup question de pouvoir d'achat, le Mayennais Arnaud Bodin a souhaité partager ses connaissances en matière de finance. Mercredi 16 février 2022, il organisera une conférence en ligne pour donner des tuyaux pour économiser sur ses frais bancaires et réaliser de meilleurs placements.

[actuinterview actuinterview-prenomnom="Arnaud%20Bodin" actuinterview-initiales="A.%20B." actuinterview-question="Mercredi%2016%20f%C3%A9vrier%2C%20vous%20organisez%20cette%20conf%C3%A9rence%20intitul%C3%A9e%20Supprimer%20vos%20frais%20bancaires%20et%20acc%C3%A9der%20aux%20meilleurs%20placements.%20Pourquoi%20%3F" actuinterview-reponse="Journaliste%20de%20profession%2C%20j%E2%80%99ai%20obtenu%20un%20Master%20de%20conseiller%20en%20gestion%20de%20patrimoine%20en%20avril%202021%2C%20compl%C3%A9t%C3%A9%20par%20un%20examen%20de%20l%E2%80%99Autorit%C3%A9%20des%20march%C3%A9s%20financiers.%20Pendant%20ma%20formation%2C%20j%E2%80%99ai%20appris%20des%20montages%20financiers%20tr%C3%A8s%20complexes.%20%C3%80%20c%C3%B4t%C3%A9%20de%20%C3%A7a%2C%20les%20gens%20ne%20connaissent%20rien.%20Ce%20d%C3%A9calage%20m%E2%80%99a%20vraiment%20frapp%C3%A9.%20C%E2%80%99est%20aussi%20un%20peu%20%C3%A9c%C5%93urant%20de%20voir%20que%20cette%20m%C3%A9connaissance%20est%20entretenue%20par%20le%20pouvoir%2C%20les%20banques%2C%20%C3%A0%20cause%20des%20usines%20%C3%A0%20gaz.%20Ma%20d%C3%A9marche%20est%20citoyenne.%20J%E2%80%99ai%20envie%20de%20partager%20ma%20comp%C3%A9tence." /]

[actuinterview actuinterview-prenomnom="Arnaud%20Bodin" actuinterview-initiales="A.%20B." actuinterview-question="Les%20conseils%20que%20vous%20donnez%20seront%20gratuits%20%3F" actuinterview-reponse="Oui.%20Il%20faut%20s%E2%80%99inscrire%20pour%20assister%20%C3%A0%20la%20conf%C3%A9rence%2C%20mais%20c%E2%80%99est%20gratuit.%20Et%20les%20primes%20de%20parrainage%20que%20je%20pourrais%20toucher%20des%20banques%20et%20interm%C3%A9diaires%20que%20je%20pr%C3%A9sente%20%C3%A0%20la%20conf%C3%A9rence%2C%20je%20les%20reverserai%20%C3%A0%20M%C3%A9decins%20sans%20fronti%C3%A8res." /]

120 € à 130 € d'économies par an

[actuinterview actuinterview-prenomnom="Arnaud%20Bodin" actuinterview-initiales="A.%20B." actuinterview-question="La%20premi%C3%A8re%20partie%20de%20la%20conf%C3%A9rence%20est%20consacr%C3%A9e%20aux%20frais%20bancaires.%20Quelles%20%C3%A9conomies%20peut-on%20r%C3%A9aliser%20%3F" actuinterview-reponse="Pour%20quelqu%E2%80%99un%20qui%20ne%20rencontre%20pas%20de%20difficult%C3%A9s%2C%20cela%20tourne%20autour%20de%20120%20%E2%82%AC%20%C3%A0%20130%20%E2%82%AC%20d%E2%80%99%C3%A9conomies%20par%20an%20en%20ouvrant%20son%20compte%20sur%20une%20banque%20en%20ligne.%20On%20gagne%20sur%20les%20frais%20de%20tenue%20de%20compte%2C%20la%20carte%20bancaire%2C%20les%20frais%20pour%20un%20ch%C3%A8que%20de%20banque%2C%20les%20retraits%20%C3%A0%20l%E2%80%99%C3%A9tranger%E2%80%A6%20Il%20faut%20simplement%20%C3%AAtre%20capable%20de%20g%C3%A9rer%20ses%20comptes%20en%20ligne.%20Le%20seul%20b%C3%A9mol%2C%20c%E2%80%99est%20de%20devoir%20envoyer%20les%20ch%C3%A8ques%20par%20courrier.%20Pour%20un%20client%20qui%20a%20quelques%20difficult%C3%A9s%20par%20an%2C%20l%E2%80%99%C3%A9conomie%20peut%20%C3%AAtre%20plus%20importante.%20Dans%20une%20banque%20traditionnelle%2C%20il%20paierait%20d%E2%80%99une%20centaine%20%C3%A0%20un%20millier%20d%E2%80%99euros%20en%20agios%2C%20lettres%20d%E2%80%99information%20ou%20commissions%20d%E2%80%99intervention.%20Quand%20t%E2%80%99es%20ric-rac%2C%20les%20frais%20ont%20tendance%20%C3%A0%20s%E2%80%99empiler.%20C%E2%80%99est%20un%20cercle%20vicieux.%20Avec%20une%20banque%20en%20ligne%2C%20il%20paiera%20moins%20de%2010%20%E2%82%AC." /]

[actuinterview actuinterview-prenomnom="Arnaud%20Bodin" actuinterview-initiales="A.%20B." actuinterview-question="La%20solution%20passe%20beaucoup%20par%20les%20banques%20en%20ligne." actuinterview-reponse="Mon%20discours%20n%E2%80%99est%20pas%20anti-banque%20traditionnelle.%20Et%20les%20banques%20en%20ligne%2C%20ce%20n%E2%80%99est%20pas%20non%20plus%20le%20monde%20des%20Bisounours.%20Mais%20la%20logique%20%C3%A9conomique%20est%20compl%C3%A8tement%20diff%C3%A9rente.%20D%E2%80%99un%20c%C3%B4t%C3%A9%2C%20il%20y%20a%20les%20banques%20traditionnelles%20avec%20des%20agences%20un%20peu%20partout%2C%20et%20les%20charges%20qui%20vont%20avec.%20De%20l%E2%80%99autre%2C%20il%20y%20a%20les%20banques%20en%20ligne%20o%C3%B9%20tout%20se%20fait%20dans%20un%20b%C3%A2timent%20en%20r%C3%A9gion%20parisienne.%20Apr%C3%A8s%2C%20il%20faut%20aller%20vers%20des%20acteurs%20reconnus%2C%20des%20acteurs%20qui%20sont%20en%20fait%20des%20filiales%20de%20banques%20traditionnelles." /]

Mieux faire fructifier son épargne

[actuinterview actuinterview-prenomnom="Arnaud%20Bodin" actuinterview-initiales="A.%20B." actuinterview-question="Les%20frais%20bancaires%20ne%20sont%20pas%20les%20seules%20sources%20d'%C3%A9conomie%2C%20selon%20vous%2C%20en%20mati%C3%A8re%20bancaire.%20Quelles%20sont%20les%20autres%20marges%20de%20man%C5%93uvre%20%3F" actuinterview-reponse="La%20diff%C3%A9rence%20s%E2%80%99accentue%20encore%20plus%20sur%20les%20cr%C3%A9dits%20et%20sur%20l%E2%80%99%C3%A9pargne.%20En%20ce%20moment%2C%20%C3%A7a%20bouge%20pas%20mal%20en%20ce%20qui%20concerne%20les%20assurances%20des%20cr%C3%A9dits.%20%C3%87a%20prend%20du%20temps%20pour%20n%C3%A9gocier%20une%20assurance%2C%20mais%20c%E2%80%99est%20sur%20les%20grosses%20sommes%20que%20%C3%A7a%20vaut%20vraiment%20le%20coup.%20Et%20puis%2C%20en%20mati%C3%A8re%20de%20cr%C3%A9dit%2C%20les%20banques%20en%20ligne%20ne%20prendront%20pas%20de%20frais%20de%20dossier%2C%20de%20p%C3%A9nalit%C3%A9%20pour%20remboursement%20anticip%C3%A9.%20Elles%20pourront%20proposer%20des%20taux%20plus%20int%C3%A9ressants%E2%80%A6" /]

[actuinterview actuinterview-prenomnom="Arnaud%20Bodin" actuinterview-initiales="A.%20B." actuinterview-question="Et%20sur%20l'%C3%A9pargne%20%3F" actuinterview-reponse="C%E2%80%99est%20d%E2%80%99autant%20plus%20flagrant%20sur%20l%E2%80%99assurance%20vie.%20Les%20fonds%20en%20euros%20des%20banques%20traditionnelles%20servent%20un%20taux%20%C3%A0%201%20%25%2C%20comprenant%2017%2C2%20%25%20de%20pr%C3%A9l%C3%A8vements%20sociaux.%20%C3%87a%20rapporte%20moins%20que%20le%20livret%20A%20qui%20vient%20de%20repasser%20%C3%A0%201%20%25.%20Le%20cadre%20fiscal%20reste%20int%C3%A9ressant%2C%20mais%20%C3%A7a%20ne%20l%E2%80%99est%20pas%20en%20termes%20de%20rentabilit%C3%A9.%20Sur%20la%20dur%C3%A9e%2C%20la%20diff%C3%A9rence%20peut%20%C3%AAtre%20%C3%A9norme%20!%20Je%20prends%20l%E2%80%99exemple%20de%20deux%20personnes%20qui%20%C3%A9pargnent%20500%20%E2%82%AC%20par%20mois.%20La%20premi%C3%A8re%2C%20en%20restant%20avec%20une%20rentabilit%C3%A9%20globale%20de%201%20%25%2C%20obtiendra%20294%20000%20%E2%82%AC%20apr%C3%A8s%2040%20ans.%20La%20seconde%2C%20avec%20quelques%20conseils%20habituellement%20r%C3%A9serv%C3%A9s%20aux%20clients%20ais%C3%A9s%2C%20pourra%20arriver%20%C3%A0%20743%20000%20%E2%82%AC.%20Apr%C3%A8s%2C%20l%E2%80%99offre%20est%20pl%C3%A9thorique.%20Et%20qui%20dit%20rendement%20dit%20risque.%20Le%20gain%20est%20sur%20le%20moyen%20et%20le%20long%20terme." /]

[actuinterview actuinterview-prenomnom="Arnaud%20Bodin" actuinterview-initiales="A.%20B." actuinterview-question="Que%20diriez-vous%20%C3%A0%20une%20personne%20qui%20h%C3%A9siterait%20%3F" actuinterview-reponse="Cela%20ne%20co%C3%BBte%20rien%20d%E2%80%99essayer.%20Il%20ne%20faut%20pas%20quitter%20sa%20banque%20d%E2%80%99un%20coup%2C%20et%20on%20peut%20garder%20sa%20banque%20traditionnelle.%20C%E2%80%99est%20bien%20d%E2%80%99avoir%20plusieurs%20choses%20pour%20comparer." /]