{"id":255,"date":"2026-07-28T21:20:09","date_gmt":"2026-07-28T21:20:09","guid":{"rendered":"https:\/\/www.univ-angerslemans.fr\/blog\/epargner-financer-etudes\/"},"modified":"2026-07-28T21:20:09","modified_gmt":"2026-07-28T21:20:09","slug":"epargner-financer-etudes","status":"publish","type":"post","link":"https:\/\/www.univ-angerslemans.fr\/blog\/epargner-financer-etudes\/","title":{"rendered":"\u00c9pargner pour financer ses \u00e9tudes"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Face \u00e0 l&rsquo;augmentation constante du co\u00fbt des \u00e9tudes sup\u00e9rieures, planifier et \u00e9pargner d\u00e8s le plus jeune \u00e2ge devient indispensable pour all\u00e9ger le poids financier que repr\u00e9sente la vie \u00e9tudiante. Au-del\u00e0 du simple geste de mettre de l&rsquo;argent de c\u00f4t\u00e9, l&rsquo;\u00e9pargne destin\u00e9e au financement des \u00e9tudes est un v\u00e9ritable levier pour anticiper des d\u00e9penses majeures telles que les frais de scolarit\u00e9, le logement, et les d\u00e9penses courantes. Ce dispositif financier structur\u00e9 permet non seulement de pr\u00e9server le budget familial, mais aussi d&rsquo;\u00e9viter le recours excessif aux pr\u00eats \u00e9tudiants qui peuvent peser sur l&rsquo;avenir des jeunes dipl\u00f4m\u00e9s. En privil\u00e9giant une gestion proactive, le budget \u00e9tudiant se construit durablement, en s\u2019appuyant sur des plans d&rsquo;\u00e9pargne adapt\u00e9s et une sensibilisation des familles aux enjeux de l&rsquo;investissement \u00e9ducatif. Avec un horizon souvent de plusieurs ann\u00e9es, la diversification des supports financiers \u2013 du Livret A aux assurances-vie en passant par les ETF et PEA \u2013 constitue une strat\u00e9gie cl\u00e9 dans la pr\u00e9servation du pouvoir d&rsquo;achat malgr\u00e9 l&rsquo;inflation. Ainsi, \u00e9pargner pour financer les \u00e9tudes, c\u2019est aussi transmettre une culture financi\u00e8re solide, essentielle pour un avenir serein. <\/p>\n\n<p class=\"wp-block-paragraph\"><div class=\"en-bref\">\n<h3 style=\"margin-top:0px !important; padding-top:0px !important;\"> L&rsquo;article en bref<\/h3>\n<p>Anticiper le financement des \u00e9tudes sup\u00e9rieures est devenu incontournable pour limiter l\u2019impact de l\u2019inflation sur le budget \u00e9tudiant.<\/p>\n<ul>\n<li> <strong>L\u2019\u00e9pargne pr\u00e9coce :<\/strong> Commencer d\u00e8s la naissance all\u00e8ge significativement l\u2019effort financier.<\/li>\n<li> <strong>Supports diversifi\u00e9s :<\/strong> Combiner Livret A, assurance-vie et PEA optimise rendement et s\u00e9curit\u00e9.<\/li>\n<li> <strong>Gestion automatique :<\/strong> Instaurer un versement mensuel automatique s\u00e9curise la r\u00e9gularit\u00e9.<\/li>\n<li> <strong>Culture financi\u00e8re :<\/strong> Impliquer l\u2019enfant dans la gestion pr\u00e9pare \u00e0 une autonomie responsable.<\/li>\n<\/ul>\n<p> La rigueur budg\u00e9taire alli\u00e9e \u00e0 une strat\u00e9gie d\u2019investissement dynamique offre une v\u00e9ritable bouff\u00e9e d\u2019oxyg\u00e8ne pour le financement des \u00e9tudes.<\/p>\n<\/div><\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.univ-angerslemans.fr\/blog\/epargner-financer-etudes\/#Anticipez_le_cout_des_etudes_superieures_grace_a_une_epargne_structuree\" >Anticipez le co\u00fbt des \u00e9tudes sup\u00e9rieures gr\u00e2ce \u00e0 une \u00e9pargne structur\u00e9e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.univ-angerslemans.fr\/blog\/epargner-financer-etudes\/#Des_outils_depargne_complementaires_pour_securiser_et_valoriser_le_capital\" >Des outils d&rsquo;\u00e9pargne compl\u00e9mentaires pour s\u00e9curiser et valoriser le capital<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.univ-angerslemans.fr\/blog\/epargner-financer-etudes\/#Construire_un_budget_etudiant_solide_grace_a_leducation_financiere\" >Construire un budget \u00e9tudiant solide gr\u00e2ce \u00e0 l\u2019\u00e9ducation financi\u00e8re<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.univ-angerslemans.fr\/blog\/epargner-financer-etudes\/#Integrer_lepargne_etudes_dans_la_gestion_familiale\" >Int\u00e9grer l\u2019\u00e9pargne \u00e9tudes dans la gestion familiale<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.univ-angerslemans.fr\/blog\/epargner-financer-etudes\/#Erreurs_a_eviter_dans_la_constitution_de_son_capital_etudes\" >Erreurs \u00e0 \u00e9viter dans la constitution de son capital \u00e9tudes<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Anticipez_le_cout_des_etudes_superieures_grace_a_une_epargne_structuree\"><\/span>Anticipez le co\u00fbt des \u00e9tudes sup\u00e9rieures gr\u00e2ce \u00e0 une \u00e9pargne structur\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Le financement des \u00e9tudes requiert une anticipation rigoureuse : une ann\u00e9e acad\u00e9mique peut co\u00fbter en moyenne plus de 15 000 \u20ac en prenant en compte frais sp\u00e9cifiques, logement, alimentation et mat\u00e9riel p\u00e9dagogique. Cette charge budg\u00e9taire ne cesse de cro\u00eetre, pouss\u00e9e par une inflation acad\u00e9mique annuelle situ\u00e9e entre 4 % et 7 %. En b\u00e2tissant un plan d\u2019\u00e9pargne solide d\u00e8s la naissance de l\u2019enfant, il est possible de lisser l\u2019effort financier sur de nombreuses ann\u00e9es, \u00e9vitant ainsi de recourir aux pr\u00eats \u00e9tudiants. D\u2019ailleurs, la gestion proactive de ces finances limite aussi le stress li\u00e9 \u00e0 l\u2019argent pendant les ann\u00e9es \u00e9tudiantes, souvent synonymes de d\u00e9penses urgentes et parfois impr\u00e9vues.<\/p>\n\n<p class=\"wp-block-paragraph\">Le tableau ci-dessous pr\u00e9sente les projections des frais li\u00e9s \u00e0 un cycle de Master selon diff\u00e9rents types d\u2019\u00e9tablissement, pour mieux dimensionner votre effort d\u2019\u00e9pargne.<\/p>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>Type d&rsquo;\u00e9tablissement<\/th>\n<th>Co\u00fbt moyen 2026 (frais seuls)<\/th>\n<th>Projection 2031 (+5% annuel)<\/th>\n<th>Effort d&rsquo;\u00e9pargne mensuel (sur 10 ans)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Universit\u00e9 (frais sp\u00e9cifiques)<\/strong><\/td>\n<td>1 200 \u20ac<\/td>\n<td>1 530 \u20ac<\/td>\n<td>15 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><strong>\u00c9cole d&rsquo;ing\u00e9nieur publique<\/strong><\/td>\n<td>4 500 \u20ac<\/td>\n<td>5 740 \u20ac<\/td>\n<td>45 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><strong>\u00c9cole de commerce (Top 10)<\/strong><\/td>\n<td>38 000 \u20ac<\/td>\n<td>48 500 \u20ac<\/td>\n<td>360 \u20ac<\/td>\n<\/tr>\n<tr>\n<td><strong>\u00c9tudes \u00e0 l&rsquo;\u00e9tranger (USA\/UK)<\/strong><\/td>\n<td>95 000 \u20ac<\/td>\n<td>121 200 \u20ac<\/td>\n<td>890 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">Ces chiffres illustrent l\u2019importance de choisir pr\u00e9cocement des solutions adapt\u00e9es d\u2019\u00e9pargne, qu\u2019il s\u2019agisse de compte bancaire d\u00e9di\u00e9, d\u2019assurance-vie ou d\u2019instruments plus dynamiques.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Des_outils_depargne_complementaires_pour_securiser_et_valoriser_le_capital\"><\/span>Des outils d&rsquo;\u00e9pargne compl\u00e9mentaires pour s\u00e9curiser et valoriser le capital<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">En 2026, la diversification de l\u2019\u00e9pargne est un imp\u00e9ratif pour contrer la perte de pouvoir d\u2019achat g\u00e9n\u00e9r\u00e9e par l\u2019inflation. Le <a href=\"https:\/\/www.univ-angerslemans.fr\/blog\/fonctionnement-livret-a\/\">Livret A<\/a> reste un produit s\u00fbr et sans frais accessible, id\u00e9al pour constituer une \u00e9pargne de pr\u00e9caution disponible \u00e0 tout moment. Cependant, son rendement r\u00e9el est souvent insuffisant pour constituer un capital significatif face aux co\u00fbts croissants des \u00e9tudes. Ainsi, le recours \u00e0 des solutions plus dynamiques comme l\u2019<strong>assurance-vie<\/strong>, en particulier avec une gestion pilot\u00e9e et une exposition mod\u00e9r\u00e9e aux unit\u00e9s de compte, permet d\u2019acc\u00e9der \u00e0 des rendements potentiellement sup\u00e9rieurs \u00e0 5 % sur le long terme.<\/p>\n\n<p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/www.univ-angerslemans.fr\/blog\/ouvrir-compte-bancaire\/\">Plan d\u2019\u00c9pargne en Actions (PEA)<\/a> joue \u00e9galement un r\u00f4le cl\u00e9 en offrant une fiscalit\u00e9 avantageuse apr\u00e8s cinq ans et une exposition aux march\u00e9s \u00e0 travers des ETF (fonds indiciels) qui r\u00e9pliquent la croissance \u00e9conomique mondiale. Gr\u00e2ce \u00e0 la r\u00e9gularit\u00e9 dans l\u2019investissement programm\u00e9, ces syst\u00e8mes favorisent la capitalisation par int\u00e9r\u00eats compos\u00e9s, un effet boule de neige indispensable pour accumuler un capital cons\u00e9quent.<\/p>\n\n<h3 class=\"wp-block-heading\">Points essentiels pour une \u00e9pargne efficace et adapt\u00e9e aux \u00e9tudes<\/h3>\n\n<ul class=\"wp-block-list\"><li><strong>Commencer t\u00f4t :<\/strong> Le temps est votre meilleur alli\u00e9 pour profiter des int\u00e9r\u00eats compos\u00e9s.<\/li><li><strong>Automatiser les versements :<\/strong> Instaurer un virement automatique garantit la discipline d\u2019\u00e9pargne.<\/li><li><strong>Utiliser la gestion pilot\u00e9e :<\/strong> Elle facilite la diversification et ajuste le risque en fonction de l\u2019\u00e2ge de l\u2019enfant.<\/li><li><strong>Adapter selon le profil :<\/strong> Balancez s\u00e9curit\u00e9 et performance en fonction de votre app\u00e9tence au risque.<\/li><\/ul>\n\n<figure class=\"is-provider-youtube is-type-video wp-block-embed wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Pr\u00eat \u00c9tudiant \ud83d\udcda Le Guide COMPLET pour Financer ses \u00c9tudes \u2705\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/4G77N7sfT9Y?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Construire_un_budget_etudiant_solide_grace_a_leducation_financiere\"><\/span>Construire un budget \u00e9tudiant solide gr\u00e2ce \u00e0 l\u2019\u00e9ducation financi\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">En plus des aspects financiers, l\u2019importance d\u2019inculquer une culture budg\u00e9taire aux futurs \u00e9tudiants est capitale. Connaitre les principes de la gestion d\u2019argent d\u00e8s le plus jeune \u00e2ge aide \u00e0 diff\u00e9rencier besoins et envies, \u00e0 ma\u00eetriser les d\u00e9penses et \u00e0 optimiser le recours aux <strong>aides financi\u00e8res<\/strong> comme les bourses ou les pr\u00eats \u00e9tudiants. Par exemple, expliquer \u00e0 un adolescent le m\u00e9canisme des int\u00e9r\u00eats compos\u00e9s sur son plan d\u2019\u00e9pargne ou sa clause b\u00e9n\u00e9ficiaire d\u2019assurance-vie peut favoriser une gestion autonome et r\u00e9fl\u00e9chie d\u00e8s l\u2019entr\u00e9e \u00e0 l&rsquo;universit\u00e9.<\/p>\n\n<p class=\"wp-block-paragraph\">Ce volet p\u00e9dagogique renforce aussi la compr\u00e9hension des choix budg\u00e9taires au quotidien, comme apprendre \u00e0 r\u00e9duire ses d\u00e9penses journali\u00e8res ou g\u00e9rer efficacement son compte bancaire, tout en pr\u00e9parant mentalement un budget mensuel adapt\u00e9 au rythme universitaire.<\/p>\n\n<figure class=\"is-provider-youtube is-type-video wp-block-embed wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Comment G\u00c9RER ton BUDGET \u00c9TUDIANT ? (gestion, \u00e9pargne et investissement) \ud83d\udd25\ud83d\udcb6\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/yFgloHf2DQY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Integrer_lepargne_etudes_dans_la_gestion_familiale\"><\/span>Int\u00e9grer l\u2019\u00e9pargne \u00e9tudes dans la gestion familiale<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Pour rendre viable l\u2019\u00e9pargne sur le long terme, il est fondamental d\u2019int\u00e9grer ces versements dans la structure globale du budget familial. La r\u00e8gle du 50\/30\/20 peut \u00eatre adapt\u00e9e, en consacrant id\u00e9alement 10 % \u00e0 15 % du revenu \u00e0 l\u2019\u00e9pargne, dont une partie d\u00e9di\u00e9e exclusivement aux projets \u00e9ducatifs. L\u2019automatisation permet de r\u00e9duire la tentation de d\u00e9penser ce qui est pourtant affect\u00e9 \u00e0 un projet fondamental. Les strat\u00e9gies comme r\u00e9duire les abonnements superflus ou optimiser les d\u00e9penses quotidiennes lib\u00e8rent des fonds pour renforcer ce filet de s\u00e9curit\u00e9.<\/p>\n\n<p class=\"wp-block-paragraph\">Un plan d\u2019\u00e9pargne bien con\u00e7u tient compte \u00e9galement des aides publiques disponibles et d\u2019une \u00e9ventuelle diversification patrimoniale, incluant des strat\u00e9gies immobili\u00e8res ou des donations temporaires, qui peuvent d\u00e9gager des revenus passifs pour compl\u00e9ter le financement.<\/p>\n\n<h3 class=\"wp-block-heading\">Exemple d\u2019am\u00e9nagement budg\u00e9taire d\u2019un foyer (revenu net 4000 \u20ac) pour \u00e9pargner sur les \u00e9tudes<\/h3>\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>Poste budg\u00e9taire<\/th>\n<th>Montant mensuel (\u20ac)<\/th>\n<th>Commentaire<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Besoins essentiels<\/strong><\/td>\n<td>2200<\/td>\n<td>Loyer, charges, alimentation, sant\u00e9, garde<\/td>\n<\/tr>\n<tr>\n<td><strong>Envies et loisirs<\/strong><\/td>\n<td>1000<\/td>\n<td>Sorties, abonnements, loisirs divers<\/td>\n<\/tr>\n<tr>\n<td><strong>\u00c9pargne<\/strong><\/td>\n<td>800<\/td>\n<td>400 \u20ac fonds d\u2019urgence + 400 \u20ac \u00e9pargne \u00e9tudes<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">Cette structuration permet de s\u00e9curiser \u00e0 la fois la stabilit\u00e9 financi\u00e8re autour des besoins vitaux et d\u2019inscrire dans la dur\u00e9e le projet \u00e9ducatif avec un effort budg\u00e9taire constant et mesur\u00e9.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Erreurs_a_eviter_dans_la_constitution_de_son_capital_etudes\"><\/span>Erreurs \u00e0 \u00e9viter dans la constitution de son capital \u00e9tudes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Anticiper le financement des \u00e9tudes exige de s\u2019affranchir de certains pi\u00e8ges courants :<\/p>\n\n<ul class=\"wp-block-list\"><li><strong>D\u00e9pendre uniquement du Livret A :<\/strong> Son rendement insuffisant \u00e9rode le pouvoir d\u2019achat face \u00e0 la hausse des frais d\u2019\u00e9tudes.<\/li><li><strong>Attendre le dernier moment pour \u00e9pargner :<\/strong> Plus l\u2019\u00e9ch\u00e9ance approche, plus l\u2019effort mensuel devient \u00e9lev\u00e9 et difficile \u00e0 tenir.<\/li><li><strong>N\u00e9gliger la transmission d\u2019une culture financi\u00e8re :<\/strong> Remettre un capital sans explication peut engendrer des usages inadapt\u00e9s.<\/li><li><strong>Ignorer la fiscalit\u00e9 et les frais :<\/strong> Ces \u00e9l\u00e9ments r\u00e9duisent le rendement net et doivent \u00eatre optimis\u00e9s.<\/li><\/ul>\n\n<p class=\"wp-block-paragraph\">La r\u00e9ussite repose sur la constance, la p\u00e9dagogie familiale et une strat\u00e9gie d\u2019investissement diversifi\u00e9e, privil\u00e9giant les formules fiscalement avantageuses et les supports adapt\u00e9s au profil de chacun.<\/p>\n\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Quel est lu2019effort du2019u00e9pargne mensuel recommandu00e9 pour financer des u00e9tudes supu00e9rieures ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En fonction du type du2019u00e9tablissement et du moment ou00f9 lu2019u00e9pargne commence, il varie de 15 u20ac pour universitaire u00e0 890 u20ac pour des u00e9tudes u00e0 lu2019u00e9tranger sur 10 ans.\"}},{\"@type\":\"Question\",\"name\":\"Quels sont les avantages de lu2019assurance-vie pour financer des u00e9tudes ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Lu2019assurance-vie offre une fiscalitu00e9 avantageuse apru00e8s 8 ans, une diversification des placements et une gestion pilotu00e9e facilitant lu2019adaptation du risque selon lu2019u00e2ge de 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lu2019u00e9volution des revenus.\"}}]}\n<\/script>\n<h3>Quel est l\u2019effort d\u2019\u00e9pargne mensuel recommand\u00e9 pour financer des \u00e9tudes sup\u00e9rieures ?<\/h3>\n<p>En fonction du type d\u2019\u00e9tablissement et du moment o\u00f9 l\u2019\u00e9pargne commence, il varie de 15 \u20ac pour universitaire \u00e0 890 \u20ac pour des \u00e9tudes \u00e0 l\u2019\u00e9tranger sur 10 ans.<\/p>\n<h3>Quels sont les avantages de l\u2019assurance-vie pour financer des \u00e9tudes ?<\/h3>\n<p>L\u2019assurance-vie offre une fiscalit\u00e9 avantageuse apr\u00e8s 8 ans, une diversification des placements et une gestion pilot\u00e9e facilitant l\u2019adaptation du risque selon l\u2019\u00e2ge de l\u2019enfant.<\/p>\n<h3>Comment initier un enfant \u00e0 la gestion de son \u00e9pargne ?<\/h3>\n<p>Impliquer l\u2019enfant d\u00e8s ses 10-12 ans dans le suivi de son \u00e9pargne, expliquer les int\u00e9r\u00eats compos\u00e9s, les risques et la distinction entre besoin et 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Des rep\u00e8res concrets, sans jargon.","sameAs":["https:\/\/www.univ-angerslemans.fr\/blog"],"url":"https:\/\/www.univ-angerslemans.fr\/blog\/author\/bayoujuju\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.univ-angerslemans.fr\/blog\/wp-content\/uploads\/2026\/07\/Epargner-pour-financer-ses-etudes.jpg",1536,1024,false],"thumbnail":["https:\/\/www.univ-angerslemans.fr\/blog\/wp-content\/uploads\/2026\/07\/Epargner-pour-financer-ses-etudes-150x150.jpg",150,150,true],"medium":["https:\/\/www.univ-angerslemans.fr\/blog\/wp-content\/uploads\/2026\/07\/Epargner-pour-financer-ses-etudes-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.univ-angerslemans.fr\/blog\/wp-content\/uploads\/2026\/07\/Epargner-pour-financer-ses-etudes-768x512.jpg",768,512,true],"large":["https:\/\/www.univ-angerslemans.fr\/blog\/wp-content\/uploads\/2026\/07\/Epargner-pour-financer-ses-etudes-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.univ-angerslemans.fr\/blog\/wp-content\/uploads\/2026\/07\/Epargner-pour-financer-ses-etudes.jpg",1536,1024,false],"2048x2048":["https:\/\/www.univ-angerslemans.fr\/blog\/wp-content\/uploads\/2026\/07\/Epargner-pour-financer-ses-etudes.jpg",1536,1024,false]},"uagb_author_info":{"display_name":"Camille Mercier","author_link":"https:\/\/www.univ-angerslemans.fr\/blog\/author\/bayoujuju\/"},"uagb_comment_info":0,"uagb_excerpt":"Face \u00e0 l&rsquo;augmentation constante du co\u00fbt des \u00e9tudes sup\u00e9rieures, planifier et \u00e9pargner d\u00e8s le plus jeune \u00e2ge devient indispensable pour [&hellip;]","_links":{"self":[{"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/posts\/255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/comments?post=255"}],"version-history":[{"count":0,"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/posts\/255\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/media\/254"}],"wp:attachment":[{"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/media?parent=255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/categories?post=255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.univ-angerslemans.fr\/blog\/wp-json\/wp\/v2\/tags?post=255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}