A placement , is the fact of blocking for a certain length of time a certain amount of saving in a Financial transaction which can bring a profit.

On the level of the finance of the private individuals (saver S), the term is sometimes used altenativement with that of Investissement

Attributes of the placement: profitability and risk

The concept of placement always comprises a hope of profit (Rentabilité) coupled to a catch of risk .

Even a simple deposit savings or the purchase of a title of the state is prone to the monetary vicissitudes. However, the concept of placement compared with that of Speculation, comprises a connotation of more moderate or controllable risk, and n the other hand one (Rentabilité), within the meaning of mathematical Espérance of profit, also more moderate. On the other hand, the placement (and even the speculation), which supposes an anticipation of economic facts, are distinguished frankly from the Jeu of money, this last being based on the only chance.

One speaks in financial science about Ratio about Sharpe, an indicator which presents the relationship between awaited profitability and risks it of a financial transaction.

The money thus gained is resulting from the value created by the work.

Types of placements

See also: Standard of bank deposits

The placements can be very diverse natures. Generally, they consist of

• deposits, entrusted at an financial institution, in load to make them bear fruit (Banque in particular), the placements are in this case of the type Livret saves, Super booklet or Compte remunerated;
• financial credit purchases of (action S, obligations, etc), or Real S;
• plane of placement, requiring periodic successive payments, such as, for example, the plan of saving housing.

But that is far from being restrictive, the acquisition of a racehorse, the signing of a franchise agreement with a singer, or the detention of a masterpiece, can be as much regarded and used as placements.

External sites

• keys of the bank: information general practitioner on the placements

• French banking Federation: association gathering the French banks
• All on your placements, information, the councils, management

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