{"id":2833,"date":"2023-01-23T08:43:57","date_gmt":"2023-01-23T07:43:57","guid":{"rendered":"https:\/\/ad-maiora.fr\/?p=2833"},"modified":"2023-03-06T17:36:57","modified_gmt":"2023-03-06T16:36:57","slug":"les-produits-structures-le-sur-mesure","status":"publish","type":"post","link":"https:\/\/ad-maiora.fr\/index.php\/2023\/01\/23\/les-produits-structures-le-sur-mesure\/","title":{"rendered":"Les produits structur\u00e9s, le sur-mesure"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2833\" class=\"elementor elementor-2833\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0b3f12e elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"0b3f12e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-9e99588\" data-id=\"9e99588\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-566f238 elementor-widget elementor-widget-theme-site-logo elementor-widget-image\" data-id=\"566f238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-site-logo.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/ad-maiora.fr\">\n\t\t\t<img decoding=\"async\" width=\"174\" height=\"55\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2022\/09\/logo_long2.svg\" class=\"attachment-full size-full wp-image-1184\" alt=\"\" \/>\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-8abdde8\" data-id=\"8abdde8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f39f185 elementor-nav-menu__align-end elementor-nav-menu--stretch elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"f39f185\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-f39f185\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1130\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\">Nous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1136\"><a href=\"https:\/\/ad-maiora.fr\/#notre-histoire\" class=\"elementor-sub-item elementor-item-anchor\">Notre histoire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1137\"><a href=\"https:\/\/ad-maiora.fr\/#notre-metier\" class=\"elementor-sub-item elementor-item-anchor\">Notre m\u00e9tier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1138\"><a href=\"https:\/\/ad-maiora.fr\/#nos-valeurs\" class=\"elementor-sub-item elementor-item-anchor\">Nos valeurs<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1139\"><a href=\"https:\/\/ad-maiora.fr\/#les-associes\" class=\"elementor-sub-item elementor-item-anchor\">Notre \u00e9quipe<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1140\"><a href=\"https:\/\/ad-maiora.fr\/#societe-a-mission\" class=\"elementor-sub-item elementor-item-anchor\">Nos engagements<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1141\"><a href=\"https:\/\/ad-maiora.fr\/#nos-partenaires\" class=\"elementor-sub-item elementor-item-anchor\">Nos partenaires<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1131\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\">Vous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1133\"><a href=\"https:\/\/ad-maiora.fr\/#creation-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\">Cr\u00e9ation de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1134\"><a href=\"https:\/\/ad-maiora.fr\/#structuration-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\">Structuration de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1135\"><a href=\"https:\/\/ad-maiora.fr\/#accompagnement-chef-entreprise\" class=\"elementor-sub-item elementor-item-anchor\">Accompagnement du chef d&rsquo;entreprise<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1401\"><a href=\"https:\/\/ad-maiora.fr\/index.php\/nous-contacter\/\" class=\"elementor-item\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Permuter le menu\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-f39f185\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1130\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Nous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1136\"><a href=\"https:\/\/ad-maiora.fr\/#notre-histoire\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Notre histoire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1137\"><a href=\"https:\/\/ad-maiora.fr\/#notre-metier\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Notre m\u00e9tier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1138\"><a href=\"https:\/\/ad-maiora.fr\/#nos-valeurs\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Nos valeurs<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1139\"><a href=\"https:\/\/ad-maiora.fr\/#les-associes\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Notre \u00e9quipe<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1140\"><a href=\"https:\/\/ad-maiora.fr\/#societe-a-mission\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Nos engagements<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1141\"><a href=\"https:\/\/ad-maiora.fr\/#nos-partenaires\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Nos partenaires<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1131\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Vous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1133\"><a href=\"https:\/\/ad-maiora.fr\/#creation-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Cr\u00e9ation de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1134\"><a href=\"https:\/\/ad-maiora.fr\/#structuration-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Structuration de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1135\"><a href=\"https:\/\/ad-maiora.fr\/#accompagnement-chef-entreprise\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Accompagnement du chef d&rsquo;entreprise<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1401\"><a href=\"https:\/\/ad-maiora.fr\/index.php\/nous-contacter\/\" class=\"elementor-item\" tabindex=\"-1\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-759f14b0 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"759f14b0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7cacf9e7\" data-id=\"7cacf9e7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-728480ed elementor-headline--style-rotate elementor-widget elementor-widget-animated-headline\" data-id=\"728480ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headline_style&quot;:&quot;rotate&quot;,&quot;animation_type&quot;:&quot;slide&quot;,&quot;rotating_text&quot;:&quot;Nos r\\u00e9dactions \\nNos opportunit\\u00e9s \\nNos recherches&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;rotate_iteration_delay&quot;:2500}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 class=\"elementor-headline elementor-headline-animation-type-slide\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">AD maiora<br><\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text elementor-headline-text-active\">\n\t\t\t\tNos&nbsp;r\u00e9dactions&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;opportunit\u00e9s&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;recherches\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d572673 elementor-widget elementor-widget-text-editor\" data-id=\"d572673\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>\u00ab\u00a0Vers de plus grands projets\u00a0\u00bb<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4574ff elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4574ff\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4437aa6\" data-id=\"4437aa6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbc10df elementor-widget elementor-widget-heading\" data-id=\"dbc10df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Les produits structur\u00e9s : <br>le sur-mesure<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-790f59af elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"790f59af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1de6847d\" data-id=\"1de6847d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56360df elementor-widget elementor-widget-text-editor\" data-id=\"56360df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Derri\u00e8re ce nom un peu barbare, <strong>les produits structur\u00e9s cachent en v\u00e9rit\u00e9 une infinit\u00e9 de possibilit\u00e9s et la promesse de cr\u00e9er un produit sur-mesure<\/strong>, qui \u00e9pouse vos besoins et vos attentes.\u00a0<\/p><p><strong>Mieux encore<\/strong>, dans le contexte actuel des march\u00e9s, les produits structur\u00e9s permettent notamment de se <strong>pr\u00e9munir de la volatilit\u00e9<\/strong> et de <strong>b\u00e9n\u00e9ficier d\u2019un rendement potentiel avec un risque contenu<\/strong>. <\/p><p><strong>Solution alternative efficace<\/strong> aux<em> fonds en euros<\/em> qui d\u00e9livrent des revenus tr\u00e8s faibles &#8211; bien que peu risqu\u00e9s &#8211; ou aux <em>actions performantes<\/em> \u00e0 risque, les produits structur\u00e9s <strong>s&rsquo;adaptent<\/strong> \u00e0 toutes les configurations de march\u00e9 en proposant des montages d\u00e9finis et en offrant une <strong>diversification<\/strong> du patrimoine.<span style=\"font-weight: 400;\"><br \/><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7756498 elementor-widget elementor-widget-heading\" data-id=\"7756498\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FONCTIONNEMENT <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a2d21e elementor-widget elementor-widget-heading\" data-id=\"4a2d21e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Principe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d9253d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1d9253d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Reposant sur une formule un peu complexe, <strong>il existe autant de produits structur\u00e9s que d\u2019id\u00e9es<\/strong>. Pour autant, de nombreux supports se ressemblent et forment les produits structur\u00e9s <em>traditionnels<\/em> dirons-nous.<br>Ils poss\u00e8dent les m\u00eames <strong>caract\u00e9ristiques<\/strong>, les m\u00eames modalit\u00e9s, qui sont<strong> connues \u00e0 l\u2019avance et param\u00e9trables<\/strong> selon votre convenance :<\/p><ul>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f41cff7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f41cff7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li aria-level=\"1\"><em>l\u2019\u00e9metteur du produit :<\/em> la structure qui cr\u00e9e, g\u00e8re et garantit le support.\u00a0<\/li><\/ul><ul><li aria-level=\"1\"><em>le rendement<\/em> : il est exprim\u00e9 en pourcentage du capital investi et correspond \u00e0 des gains vers\u00e9s p\u00e9riodiquement ou \u00e0 terme.<\/li><li aria-level=\"1\"><em>la maturit\u00e9<\/em> : la dur\u00e9e de vie maximale du produit.<\/li><li aria-level=\"1\"><em>le sous-jacent<\/em>, souvent appel\u00e9 <em>l\u2019indice<\/em> : une action ou un indice de r\u00e9f\u00e9rence compos\u00e9 d\u2019un portefeuille d\u2019actions&#8230;<\/li><li aria-level=\"1\">la <em>barri\u00e8re<\/em> de protection et\/ou de versement des coupons : exprim\u00e9es en pourcentage, ces barri\u00e8res permettent de constater un niveau de baisse de l\u2019indice de r\u00e9f\u00e9rence.<\/li><li aria-level=\"1\">la <em>p\u00e9riodicit\u00e9 des dates d\u2019observation<\/em> du sous-jacent : trimestrielle, semestrielle ou annuelle.\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8489bf9 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"8489bf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structure-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-3305\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structure-1-1024x683.jpg 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structure-1-300x200.jpg 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structure-1-768x512.jpg 768w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structure-1-1536x1024.jpg 1536w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structure-1-2048x1365.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f3932 elementor-widget elementor-widget-spacer\" data-id=\"f8f3932\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d340794 elementor-widget elementor-widget-text-editor\" data-id=\"d340794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans le cadre de cet investissement, les gains, appel\u00e9s coupons, sont souvent conditionn\u00e9s \u00e0 l\u2019\u00e9volution d\u2019un sous-jacent constat\u00e9e \u00e0 des dates d\u2019observation p\u00e9riodiques.<\/p><p>A chaque date d\u2019observation, l\u2019investisseur a la <strong>possibilit\u00e9 de r\u00e9cup\u00e9rer le capital<\/strong> investi au d\u00e9part si le niveau de l\u2019indice de r\u00e9f\u00e9rence est <strong>stable<\/strong> ou en <strong>hausse<\/strong> par rapport \u00e0 son niveau initial. Le niveau initial, <em>le strike<\/em>, est constat\u00e9 \u00e0 la date de lancement du produit.<\/p><p><strong>A la date d\u2019\u00e9ch\u00e9ance<\/strong> du placement, si l\u2019investisseur n\u2019a pas r\u00e9cup\u00e9r\u00e9 son capital investi \u00e0 l\u2019une des dates d\u2019observation, il conviendra de constater <strong>une derni\u00e8re fois<\/strong> le niveau du sous-jacent. L\u2019investisseur se verra alors recevoir un capital dont le montant d\u00e9pendra de deux \u00e9l\u00e9ments :<strong> l\u2019\u00e9volution de l\u2019indice et le niveau de la barri\u00e8re de protection<\/strong>. En g\u00e9n\u00e9ral, trois sc\u00e9narios sont possibles :<\/p><ul><li aria-level=\"1\"><em>si l\u2019indice est stable ou en hausse<\/em> : l\u2019investisseur r\u00e9cup\u00e8re son capital initial major\u00e9 des gains indiqu\u00e9s lors de la souscription.<\/li><li aria-level=\"1\"><em>si l\u2019indice n\u2019enregistre pas une baisse sup\u00e9rieure \u00e0 la barri\u00e8re de protection<\/em> : l\u2019investisseur r\u00e9cup\u00e8re uniquement son capital initial.<\/li><li aria-level=\"1\"><em>si l\u2019indice enregistre une baisse sup\u00e9rieure \u00e0 la barri\u00e8re de protection<\/em> : l\u2019investisseur r\u00e9cup\u00e8re son capital diminu\u00e9 de la performance finale de l\u2019indice.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eef5304 elementor-widget elementor-widget-spacer\" data-id=\"eef5304\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-972b378 elementor-widget elementor-widget-text-editor\" data-id=\"972b378\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">Un investisseur a vers\u00e9 1 000 \u20ac sur un produit structur\u00e9 dont la barri\u00e8re de protection est de &#8211; 40 % et la maturit\u00e9 10 ans. A la date de lancement du produit, le niveau de l\u2019indice \u00e9tait de 100.<\/span><\/p><p><em>Une barri\u00e8re de protection \u00e0 &#8211; 40 % correspond dans ce cas \u00e0 une valeur de l\u2019indice \u00e0 60.<\/em><\/p><p>Pendant la vie du produit, l\u2019indice n\u2019est jamais pass\u00e9 au-del\u00e0 de 100 \u00e0 une des dates de constatation. Au bout de 10 ans, \u00e0 la derni\u00e8re date de constatation, nous comparons donc une derni\u00e8re fois le niveau de l\u2019indice \u00e0 son niveau initial :<\/p><ul><li aria-level=\"1\"><strong>hypoth\u00e8se 1 : l\u2019indice est \u00e0 101<\/strong> <em>(stable ou en hausse)<\/em><\/li><\/ul><p>L\u2019\u00e9pargnant r\u00e9cup\u00e8re l\u2019int\u00e9gralit\u00e9 de la somme qu\u2019il a vers\u00e9e au d\u00e9part (1 000 \u20ac) + les gains pr\u00e9vus lors de la souscription.<\/p><ul><li aria-level=\"1\"><strong>hypoth\u00e8se 2 : l\u2019indice est \u00e0 77<\/strong> <em>(baisse, mais pas plus de &#8211; 40 %)<\/em><\/li><\/ul><p>L\u2019\u00e9pargnant r\u00e9cup\u00e8re l\u2019int\u00e9gralit\u00e9 de la somme qu\u2019il a vers\u00e9e au d\u00e9part (1 000 \u20ac).<\/p><ul><li aria-level=\"1\"><strong>hypoth\u00e8se 3 : l\u2019indice est \u00e0 55<\/strong> (<em>baisse sup\u00e9rieure \u00e0 &#8211; 40 %<\/em>)<\/li><\/ul><p>L\u2019\u00e9pargnant r\u00e9cup\u00e8re la somme qu\u2019il a vers\u00e9e au d\u00e9part, diminu\u00e9e de la performance finale de l\u2019indice (<em>1 000 \u20ac &#8211; 45 % = 550 \u20ac<\/em>).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fefafec elementor-widget elementor-widget-heading\" data-id=\"fefafec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Diversification <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4acca8 elementor-widget elementor-widget-text-editor\" data-id=\"a4acca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les produits structur\u00e9s sont des investissements n\u00e9cessaires dans la construction d\u2019un portefeuille financier. Ils permettent d\u2019<strong>optimiser<\/strong> une allocation d\u2019actifs \u00e0 court, moyen ou long terme en <strong>diversifiant<\/strong> les actifs pour <strong>diluer les risques<\/strong> \u00e9ventuels et tenter d&rsquo;<strong>augmenter les performances<\/strong> potentielles. A noter que les produits structur\u00e9s sont <strong>logeables<\/strong> au sein de nombreux contrats : assurance-vie, compte-titre, PEA\u2026\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-649d331 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"649d331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"556\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structures-1024x712.jpg\" class=\"attachment-large size-large wp-image-3307\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structures-1024x712.jpg 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structures-300x209.jpg 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structures-768x534.jpg 768w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structures-1536x1068.jpg 1536w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/Structures-2048x1424.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2954206 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2954206\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">D\u2019autre part, cet investissement peut offrir diff\u00e9rents types de <\/span><strong style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">protection du capital<\/strong><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">, afin de correspondre aux investisseurs ayant des <\/span><strong style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">profils de risque prudents ou \u00e9quilibr\u00e9s<\/strong><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">,\u00a0souhaitant \u00e9galement b\u00e9n\u00e9ficier d\u2019un <\/span><strong style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">rendement<\/strong><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\"> potentiel. <\/span><strong style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">Le couple rendement-risque est optimis\u00e9<\/strong><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">, gr\u00e2ce \u00e0 :<\/span><\/p><ul><li aria-level=\"1\"><strong>une garantie en capital<\/strong>, qui permet de r\u00e9cup\u00e9rer l&rsquo;int\u00e9gralit\u00e9 du capital initial \u00e0 l\u2019\u00e9ch\u00e9ance.\u00a0<\/li><li aria-level=\"1\"><strong>une protection du capital<\/strong>, qui\u00a0permet de couvrir l&rsquo;investisseur, \u00e0 l\u2019\u00e9ch\u00e9ance, contre une baisse du sous-jacent pouvant aller de -20 % \u00e0 100 %.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeebc9f elementor-widget elementor-widget-spacer\" data-id=\"eeebc9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13aac01 elementor-widget elementor-widget-text-editor\" data-id=\"13aac01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">Enfin, les produits structur\u00e9s sont cr\u00e9\u00e9s da<\/span><strong style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">ns un cadre pr\u00e9cis<\/strong><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">. Investir sur un produit structur\u00e9, c\u2019est donc <\/span><strong style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">choisir<\/strong><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\"> une structure, un m\u00e9canisme et des caract\u00e9ristiques en fonction de la performance potentielle d\u2019un indice, que ce soit en p\u00e9riode stable, haussi\u00e8re ou volatile. La dur\u00e9e de vie du produit, les garanties et l\u2019objectif de gain potentiel sont clairement <\/span><strong style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">identifi\u00e9s<\/strong><span style=\"color: var( --e-global-color-7f9faf9 ); font-style: var( --e-global-typography-text-font-style ); letter-spacing: var( --e-global-typography-text-letter-spacing ); text-transform: var( --e-global-typography-text-text-transform ); background-color: var( --e-global-color-5daae3fe );\">, et ce, selon diff\u00e9rents sc\u00e9narios d\u2019\u00e9volution du sous-jacent et dans toutes les configurations de march\u00e9.<\/span><\/p><p><strong>L\u2019investisseur peut ainsi s\u00e9lectionner le produit adapt\u00e9 en fonction de son profil de risque, de sa situation personnelle et de ses objectifs de placement.<\/strong> <em>Un profil de risque prudent peut se tourner vers un produit \u00e0 capital garanti ou prot\u00e9g\u00e9, pour b\u00e9n\u00e9ficier d\u2019un revenu potentiel attractif tout en prenant un risque mesur\u00e9. Un profil de risque dynamique peut choisir un produit \u00e0 rendement \u00e9lev\u00e9 tout au long de la vie du produit, avec un capital prot\u00e9g\u00e9 tr\u00e8s faiblement \u00e0 l&rsquo;\u00e9ch\u00e9ance.<\/em><\/p><p>En revanche, comme tout investissement, le produit pr\u00e9sente certains <strong>risques<\/strong> :\u00a0<\/p><ul><li aria-level=\"1\">perte en capital \u00e0 l\u2019\u00e9ch\u00e9ance et d\u00e9faut de paiement de l&rsquo;\u00e9metteur notamment,\u00a0<\/li><li aria-level=\"1\">des frais en cas de rachat avant l\u2019\u00e9ch\u00e9ance peuvent \u00eatre appliqu\u00e9s,\u00a0<\/li><li aria-level=\"1\">le rendement est ferme et plafonn\u00e9, ce qui signifie que l\u2019investisseur ne profite pas r\u00e9ellement de la performance finale du sous-jacent,\u00a0<\/li><li aria-level=\"1\">l\u2019investisseur conna\u00eet la dur\u00e9e maximale du produit mais ne sait pas r\u00e9ellement combien de temps va \u00eatre investie son \u00e9pargne avec la possibilit\u00e9 de remboursement anticip\u00e9.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-798c3f8 elementor-widget elementor-widget-spacer\" data-id=\"798c3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2744706 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2744706\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-463df8f\" data-id=\"463df8f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70bdf0f elementor-widget elementor-widget-text-editor\" data-id=\"70bdf0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Article en lien avec cette publication : <a href=\"https:\/\/ad-maiora.fr\/index.php\/2023\/01\/05\/investir-dans-des-placements-concrets\/#prudent\">Nos recommandations d&rsquo;investissement pour 2023\u00a0<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a6e9bc animated-slow pp-dual-heading-inline elementor-invisible elementor-widget elementor-widget-pp-dual-heading\" data-id=\"2a6e9bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"pp-dual-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"pp-dual-heading\"><span class=\"pp-first-text\">Des questions sur cet article ? <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c89b957 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"c89b957\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Suivant&quot;,&quot;step_previous_label&quot;:&quot;Pr\\u00e9c\\u00e9dent&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Contact du site Ad-Maiora\" aria-label=\"Contact du site Ad-Maiora\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"2833\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"c89b957\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Les produits structur\u00e9s, le sur-mesure\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"2833\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNom & pr\u00e9nom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Votre nom et pr\u00e9nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tT\u00e9l\u00e9phone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"00 00 00 00 00\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Seuls les caract\u00e8res de num\u00e9ros de t\u00e9l\u00e9phone (#, -, *, etc.) sont accept\u00e9s.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-field_bbf1f2e elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_bbf1f2e\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[field_bbf1f2e]\" id=\"form-field-field_bbf1f2e\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Votre adresse e-mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Posez votre question\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e85dd60 elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e85dd60\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7bdaba elementor-invisible\" data-id=\"e7bdaba\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f0acd2 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"9f0acd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Calque_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 500 350.9\" style=\"enable-background:new 0 0 500 350.9;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#BA7F57;}<\/style><g>\t<path class=\"st0\" d=\"M138.7,201.8c-13.1-5.6-27.9-8.7-43.8-8.7C42.4,193.2,0,228.3,0,271.9c0,43.5,42.4,78.7,94.9,78.7  c15.9,0,30.7-3.1,43.8-8.7c-30.4-13.1-51.4-39.6-51.4-70.1C87.4,241.4,108.3,215.2,138.7,201.8z\"><\/path>\t<path class=\"st0\" d=\"M237.5,314.4c-35.4-41.9-48.4-101-28.8-156.4c5.9-16.5,14.5-31.4,24.9-44.6c-8.9-24.4-32.2-42-59.7-42  c-7.5,0-15.1,1.4-22.1,4.2v41.9v33.2v135.4c0,35.2,28.5,63.6,63.6,63.6c12.2,0,24-3.6,34.2-10c1.7-1.1,3.5-2.1,5.2-3.4l2.8-2.2  C250.3,328.1,243.6,321.5,237.5,314.4z\"><\/path>\t<path class=\"st0\" d=\"M74.7,160.6c24.8,0,44.8-20.1,44.8-44.8c0-24.8-20.1-44.8-44.8-44.8S29.8,91,29.8,115.8  C29.8,140.5,49.9,160.6,74.7,160.6z\"><\/path>\t<path class=\"st0\" d=\"M317.2,164.4c14.8-41.6,47.4-71.7,86-85.1c-71.7-24-149.9,13.7-175.6,85.4c-25.7,72.6,12.3,152.4,84.9,178.1  c31,11.2,63.4,10.3,92.1,0.6c-0.8-0.3-1.7-0.6-2.5-0.8C329.5,316.5,291.5,237,317.2,164.4z\"><\/path>\t<path class=\"st0\" d=\"M413.8,260.3c0,47.5,38,87.2,85.5,87.3c0.2,0,0.5,0,0.7,0V0h-86.2V260.3z\"><\/path><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ef0b9e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ef0b9e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a70e07a\" data-id=\"a70e07a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29dc27e elementor-widget elementor-widget-text-editor\" data-id=\"29dc27e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">blog<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4799e7 animated-slow pp-dual-heading-inline elementor-invisible elementor-widget elementor-widget-pp-dual-heading\" data-id=\"b4799e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"pp-dual-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"pp-dual-heading\"><span class=\"pp-first-text\">Nos <\/span><span class=\"pp-second-text\">r\u00e9dactions<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80a7923 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"80a7923\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5f385 elementor-grid-tablet-1 elementor-posts--align-center elementor-posts__hover-none elementor-grid-3 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"1c5f385\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns_tablet&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;pagination_type&quot;:&quot;numbers&quot;,&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1267 post type-post status-publish format-standard has-post-thumbnail hentry category-financier\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ad-maiora.fr\/index.php\/2022\/09\/08\/article-de-reference-blocs-a-utiliser\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"1300\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie.png\" class=\"attachment-full size-full wp-image-2537\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie.png 1300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-300x300.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-1024x1024.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-150x150.png 150w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-768x768.png 768w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1418 post type-post status-publish format-standard has-post-thumbnail hentry category-financier\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ad-maiora.fr\/index.php\/2022\/09\/08\/article-de-reference-blocs-a-utiliser-2\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"1300\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie.png\" class=\"attachment-full size-full wp-image-2541\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie.png 1300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-300x300.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-1024x1024.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-150x150.png 150w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-768x768.png 768w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1476 post type-post status-publish format-standard has-post-thumbnail hentry category-general\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ad-maiora.fr\/index.php\/2022\/09\/08\/article-de-reference-blocs-a-utiliser-3\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"1300\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie.png\" class=\"attachment-full size-full wp-image-2545\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie.png 1300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-300x300.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-1024x1024.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-150x150.png 150w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-768x768.png 768w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"7\" data-next-page=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/2833\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/2833\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/2833\/page\/3\/\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<span class=\"page-numbers dots\">\u2026<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/2833\/page\/7\/\"><span class=\"elementor-screen-only\">Page<\/span>7<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d730c0 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"9d730c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efb92e8 elementor-section-content-middle elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"efb92e8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b72888c\" data-id=\"b72888c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5206250 elementor-headline--style-rotate elementor-widget elementor-widget-animated-headline\" data-id=\"5206250\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headline_style&quot;:&quot;rotate&quot;,&quot;animation_type&quot;:&quot;slide&quot;,&quot;rotating_text&quot;:&quot;Nos r\\u00e9dactions \\nNos opportunit\\u00e9s \\nNos recherches&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;rotate_iteration_delay&quot;:2500}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 class=\"elementor-headline elementor-headline-animation-type-slide\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">AD maiora<br><\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text elementor-headline-text-active\">\n\t\t\t\tNos&nbsp;r\u00e9dactions&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;opportunit\u00e9s&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;recherches\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efc2e68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efc2e68\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33522d2\" data-id=\"33522d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-03922db elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"03922db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-66b98ca\" data-id=\"66b98ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b678d9a elementor-widget elementor-widget-text-editor\" data-id=\"b678d9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">et si on parlait<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36a4a9c animated-slow pp-dual-heading-inline elementor-invisible elementor-widget elementor-widget-pp-dual-heading\" data-id=\"36a4a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"pp-dual-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"pp-dual-heading\"><span class=\"pp-first-text\">de vos<\/span><span class=\"pp-second-text\"> projets<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7ab839f\" data-id=\"7ab839f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62aa665 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"62aa665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-comment\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">parlons-en<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<footer class=\"elementor-section elementor-top-section elementor-element elementor-element-7b3560e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b3560e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d3e2855\" data-id=\"d3e2855\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-718a07b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"718a07b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-073f1d4\" data-id=\"073f1d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7714120 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7714120\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Calque_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 500 350.9\" style=\"enable-background:new 0 0 500 350.9;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#BA7F57;}<\/style><g>\t<path class=\"st0\" d=\"M138.7,201.8c-13.1-5.6-27.9-8.7-43.8-8.7C42.4,193.2,0,228.3,0,271.9c0,43.5,42.4,78.7,94.9,78.7  c15.9,0,30.7-3.1,43.8-8.7c-30.4-13.1-51.4-39.6-51.4-70.1C87.4,241.4,108.3,215.2,138.7,201.8z\"><\/path>\t<path class=\"st0\" d=\"M237.5,314.4c-35.4-41.9-48.4-101-28.8-156.4c5.9-16.5,14.5-31.4,24.9-44.6c-8.9-24.4-32.2-42-59.7-42  c-7.5,0-15.1,1.4-22.1,4.2v41.9v33.2v135.4c0,35.2,28.5,63.6,63.6,63.6c12.2,0,24-3.6,34.2-10c1.7-1.1,3.5-2.1,5.2-3.4l2.8-2.2  C250.3,328.1,243.6,321.5,237.5,314.4z\"><\/path>\t<path class=\"st0\" d=\"M74.7,160.6c24.8,0,44.8-20.1,44.8-44.8c0-24.8-20.1-44.8-44.8-44.8S29.8,91,29.8,115.8  C29.8,140.5,49.9,160.6,74.7,160.6z\"><\/path>\t<path class=\"st0\" d=\"M317.2,164.4c14.8-41.6,47.4-71.7,86-85.1c-71.7-24-149.9,13.7-175.6,85.4c-25.7,72.6,12.3,152.4,84.9,178.1  c31,11.2,63.4,10.3,92.1,0.6c-0.8-0.3-1.7-0.6-2.5-0.8C329.5,316.5,291.5,237,317.2,164.4z\"><\/path>\t<path class=\"st0\" d=\"M413.8,260.3c0,47.5,38,87.2,85.5,87.3c0.2,0,0.5,0,0.7,0V0h-86.2V260.3z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e2984 pp-dual-heading-inline elementor-widget elementor-widget-pp-dual-heading\" data-id=\"53e2984\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pp-dual-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"pp-dual-heading\"><span class=\"pp-first-text\">AD<\/span><span class=\"pp-second-text\">MAIORA<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8a98dd5 elementor-hidden-mobile elementor-hidden-tablet\" data-id=\"8a98dd5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69a1f96 elementor-widget elementor-widget-text-editor\" data-id=\"69a1f96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Conseiller en investissement financier et courtier d&rsquo;assurance enregistr\u00e9 au Registre unique des interm\u00e9diaires en assurance, banque et finance sous le num\u00e9ro 22004293 (www.orias.fr) en qualit\u00e9 d&rsquo;adh\u00e9rent de la<br \/>Chambre nationale des conseils en gestion de patrimoine,<br \/>association agr\u00e9\u00e9e par l\u2019Autorit\u00e9 des march\u00e9s financiers.<\/p><p>SAS au capital social de 1.000 euros<\/p><p>Immatricul\u00e9e au Registre du Commerce et des Soci\u00e9t\u00e9s de Grenoble sous le num\u00e9ro 915 349 518 RCS GRENOBLE<\/p><p>Si\u00e8ge social situ\u00e9 au 29 Rue des Glairaux 38120 Saint-Egr\u00e8ve<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-14be11e\" data-id=\"14be11e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b692c19 elementor-widget elementor-widget-heading\" data-id=\"b692c19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Follow Us<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8753da4 elementor-shape-circle e-grid-align-right elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"8753da4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-43eca71\" href=\"https:\/\/www.linkedin.com\/company\/ad-maiora-gestion-de-patrimoine\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-d550229\" href=\"https:\/\/instagram.com\/ad_maiora_patrimoine?igshid=YmMyMTA2M2Y=\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-9758c9c\" href=\"https:\/\/www.facebook.com\/ADMAIORAGestiondePatrimoine\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook-f\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c03ef3e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c03ef3e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-64c8b44\" data-id=\"64c8b44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9989bc7 elementor-widget elementor-widget-text-editor\" data-id=\"9989bc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AD MAIORA \u2022 Gestion de patrimoine \u2022 Tous droits r\u00e9serv\u00e9s \u2022 2022<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e0a2783\" data-id=\"e0a2783\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f39abe elementor-widget elementor-widget-text-editor\" data-id=\"8f39abe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AD MAIORA <span style=\"color: #ff0000;\">\u2764<\/span><strong> <a href=\"mailto: sodagraphique@gmail.com\">SodaGraphique<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/footer>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>AD maiora Nos&nbsp;r\u00e9dactions&nbsp; Nos&nbsp;opportunit\u00e9s&nbsp; Nos&nbsp;recherches \u00ab\u00a0Vers de plus grands projets\u00a0\u00bb Les produits structur\u00e9s :<\/p>\n","protected":false},"author":1,"featured_media":2540,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-2833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financier"],"_links":{"self":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/2833","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/comments?post=2833"}],"version-history":[{"count":0,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/2833\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/media\/2540"}],"wp:attachment":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/media?parent=2833"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/categories?post=2833"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/tags?post=2833"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}