{"id":160456,"date":"2025-07-29T12:00:00","date_gmt":"2025-07-29T12:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=160456"},"modified":"2025-07-29T12:00:00","modified_gmt":"2025-07-29T12:00:00","slug":"5-conseils-milliardaire-diversifier-portefeuille-devenir-riche","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/5-conseils-milliardaire-diversifier-portefeuille-devenir-riche\/","title":{"rendered":"5 conseils d&#8217;un milliardaire pour diversifier son portefeuille et devenir riche"},"content":{"rendered":"<p>Ray Dalio, ex-patron du plus gros fonds d\u2019investissement au monde, recommande d\u00e9sormais de placer <strong>jusqu\u2019\u00e0 15\u202f%<\/strong> de son portefeuille dans <strong>le Bitcoin et l\u2019or<\/strong>. Aujourd\u2019hui, m\u00eame les milliardaires changent leur strat\u00e9gie. Pourquoi ? Parce que le monde devient trop instable pour miser sur une seule classe d\u2019actifs. Voici ses 5 conseils pour prot\u00e9ger (et faire grandir) votre argent.<\/p><h2 class=\"wp-block-heading\">Conseil n\u00b01 : 15% en Bitcoin et en or<\/h2><span class=\"replacer\"><\/span><p>Dans un monde incertain, les ultra-riches changent leurs r\u00e8gles du jeu. Ray Dalio, fondateur de Bridgewater Associates, recommande de consacrer <strong>jusqu\u2019\u00e0 15\u202f%<\/strong> de son portefeuille \u00e0 <strong>l\u2019or et au Bitcoin<\/strong>. Un signal fort venant de quelqu\u2019un qui a longtemps \u00e9t\u00e9 sceptique sur les cryptos.<\/p><p>Son raisonnement est simple : <strong>il faut se prot\u00e9ger <\/strong>contre les risques g\u00e9opolitiques, l\u2019inflation et les politiques mon\u00e9taires impr\u00e9visibles. Miser sur un seul actif, comme l\u2019euro ou les actions am\u00e9ricaines, c\u2019est aujourd\u2019hui devenu trop risqu\u00e9. Les milliardaires le savent, <a href=\"https:\/\/cryptonews.com\/fr\/news\/blackrock-son-etf-ethereum-devient-le-3e-plus-rapide-a-atteindre-10-milliards\/\">et ajustent leur strat\u00e9gie<\/a>.<\/p><figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">\ud83d\udea8 RAY DALIO SAYS 15% IN <a href=\"https:\/\/twitter.com\/search?q=%24BTC&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$BTC<\/a><br><br>Last cycle it was 1 to 3%.<br>Now the world\u2019s top macro guy is signaling heavy.<br><br>If <a href=\"https:\/\/twitter.com\/RayDalio?ref_src=twsrc%5Etfw\">@raydalio<\/a> says 15%, he&#39;s probably holding 30% or more.<br>Big money got the message.<br><br>Details in the comments\ud83d\udc47 <a href=\"https:\/\/t.co\/ndA67WL0hV\">pic.twitter.com\/ndA67WL0hV<\/a><\/p>&mdash; Kyle Chass\u00e9 \/ DD\ud83d\udc38 (@kyle_chasse) <a href=\"https:\/\/twitter.com\/kyle_chasse\/status\/1950148303363989808?ref_src=twsrc%5Etfw\">July 29, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><h2 class=\"wp-block-heading\">Conseil n\u00b02 : Ne jamais tout miser sur un seul actif<\/h2><span class=\"replacer\"><\/span><p>La<strong> premi\u00e8re erreur <\/strong>que les investisseurs d\u00e9butants font souvent, c\u2019est de mettre tout leur argent au m\u00eame endroit. Or, m\u00eame une entreprise solide peut chuter du jour au lendemain \u00e0 cause d\u2019un scandale ou d\u2019un changement de r\u00e9glementation.<\/p><p>Les milliardaires diversifient pour une raison simple : <strong>r\u00e9partir les risques<\/strong>. Cela ne veut pas dire acheter un peu de tout au hasard, mais choisir plusieurs actifs avec des comportements diff\u00e9rents (immobilier, actions, or, cryptos\u2026) pour amortir les chocs.<\/p><h2 class=\"wp-block-heading\">Conseil n\u00b03 : Garder une part de liquidit\u00e9<\/h2><span class=\"replacer\"><\/span><p>Les milliardaires ne mettent pas tout leur argent dans des actifs bloqu\u00e9s. Ils gardent toujours <strong>une part liquide<\/strong>, c\u2019est-\u00e0-dire disponible rapidement, pour saisir des opportunit\u00e9s ou faire face \u00e0 un impr\u00e9vu.<\/p><p>Cette r\u00e9serve peut prendre la forme de cash, de stablecoins ou de placements facilement revendables. Ce n\u2019est pas l\u2019argent qui rapporte le plus, mais c\u2019est celui qui sauve quand tout d\u00e9raille. Et pouvoir <strong>acheter pendant que les autres vendent<\/strong>, c\u2019est souvent l\u00e0 que <a href=\"https:\/\/cryptonews.com\/fr\/memecoins\/panique-dogecoin-5-milliards-de-doge-arrivent-sur-les-plateformes-dechange\/\">les fortunes se font<\/a>.<\/p><h2 class=\"wp-block-heading\">Conseil n\u00b04 : R\u00e9\u00e9quilibrer r\u00e9guli\u00e8rement<\/h2><span class=\"replacer\"><\/span><p>Diversifier, c\u2019est bien. Mais il faut aussi <strong>r\u00e9\u00e9quilibrer<\/strong>. Si une partie de votre portefeuille prend beaucoup de valeur (par exemple le Bitcoin en plein bull run), elle peut d\u00e9s\u00e9quilibrer l\u2019ensemble de votre strat\u00e9gie.<\/p><p>Les investisseurs exp\u00e9riment\u00e9s font donc <strong>des ajustements r\u00e9guliers<\/strong>. Ils vendent un peu ce qui a trop mont\u00e9, pour renforcer les zones sous-pond\u00e9r\u00e9es. C\u2019est une discipline simple, mais redoutablement efficace sur le long terme.<\/p><h2 class=\"wp-block-heading\">Conseil n\u00b05 : Investir dans ce que l\u2019on comprend<\/h2><span class=\"replacer\"><\/span><p>Dernier conseil souvent r\u00e9p\u00e9t\u00e9 par les milliardaires : <strong>n\u2019investissez jamais dans ce que vous ne comprenez pas<\/strong>. Il vaut mieux rater un \u201cx100\u201d que de se retrouver pi\u00e9g\u00e9 dans un projet louche.<\/p><p>Avant de mettre de l\u2019argent dans une action, une crypto ou un fonds, <strong>renseignez-vous<\/strong>. Regardez le projet, les fondateurs, les risques, la liquidit\u00e9. Et si quelque chose vous semble flou, abstenez-vous. La meilleure protection de votre portefeuille, c\u2019est votre bon sens.<\/p><p>On pourrait croire que la diversification est <strong>un conseil de bon sens<\/strong>. Mais quand m\u00eame les milliardaires modifient leur strat\u00e9gie, c\u2019est qu\u2019il se passe quelque chose.<\/p><p>Aujourd\u2019hui, <strong>diversifier n\u2019est plus une option<\/strong> : <a href=\"https:\/\/cryptonews.com\/fr\/altcoins\/20-milliards-envoles-xrp-devisse-apres-faux-depart-sec\/\">c\u2019est une assurance de survie<\/a>. Que ce soit avec du Bitcoin, de l\u2019or ou d\u2019autres actifs solides, mieux vaut \u00eatre pr\u00e9par\u00e9\u2026 que pris au d\u00e9pourvu.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Source : <a href=\"https:\/\/open.spotify.com\/episode\/2lRIw9QWL2c3uw8FwuzzTm?si=UfXx2e1hTx64iLDPlIHzTA&#038;nd=1&#038;dlsi=f15e51df2811466f\" target=\"_blank\" rel=\"noreferrer noopener\">Master Investor Podcast<\/a><\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Sur le m\u00eame sujet :<\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/memecoins\/panique-dogecoin-5-milliards-de-doge-arrivent-sur-les-plateformes-dechange\/\">Panique Dogecoin : 5 milliards de DOGE arrivent sur les plateformes d\u2019\u00e9change<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/altcoins\/20-milliards-envoles-xrp-devisse-apres-faux-depart-sec\/\">20 milliards de $ envol\u00e9s : XRP d\u00e9visse apr\u00e8s un faux d\u00e9part de la SEC<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/blackrock-son-etf-ethereum-devient-le-3e-plus-rapide-a-atteindre-10-milliards\/\">BlackRock : son ETF Ethereum devient le 3e plus rapide \u00e0 atteindre 10 milliards $ <\/a> <\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Ray Dalio, ex-patron du plus gros fonds d\u2019investissement au monde, recommande d\u00e9sormais de placer jusqu\u2019\u00e0 15\u202f% de son portefeuille dans le Bitcoin et l\u2019or. Aujourd\u2019hui, m\u00eame les milliardaires changent leur strat\u00e9gie. Pourquoi ? Parce que le monde devient trop instable pour miser sur une seule classe d\u2019actifs. Voici ses 5 conseils pour prot\u00e9ger (et faire [&hellip;]<\/p>\n","protected":false},"author":271,"featured_media":160462,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6,42,1,14],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-160456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin-news","category-finance-news","category-news","category-industry-talk","editors-julien-leroy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 conseils d&#039;un milliardaire pour diversifier et devenir riche<\/title>\n<meta name=\"description\" content=\"Ray Dalio sugg\u00e8re d\u2019investir jusqu\u2019\u00e0 15\u202f% en Bitcoin et en or. 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