{"id":515,"date":"2026-08-04T19:58:00","date_gmt":"2026-08-04T19:58:00","guid":{"rendered":"https:\/\/coinpric.com\/calculateur-dca\/"},"modified":"2026-08-04T19:58:00","modified_gmt":"2026-08-04T19:58:00","slug":"calculateur-dca","status":"publish","type":"page","link":"https:\/\/coinpric.com\/fr\/calculateur-dca\/","title":{"rendered":"Calculateur DCA"},"content":{"rendered":"<style>\n.cp-tool{border:1px solid var(--line);border-radius:var(--r);background:var(--card);padding:16px;margin:0 0 20px}\n.cp-tool__h{font-family:var(--font-mono);font-size:10.5px;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);margin:0 0 14px}\n.cp-tool__row{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));margin-bottom:12px}\n.cp-tool label{display:block;font-size:12px;color:var(--muted);margin-bottom:5px}\n.cp-tool input,.cp-tool select{width:100%;padding:9px 10px;border:1px solid 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12px}\n.cp-tool__swap:hover{border-color:var(--brand);color:var(--brand)}\n<\/style><div class=\"cp-tool\"><p class=\"cp-tool__h\">Simulation DCA contre versement unique<\/p>\t<form method=\"get\" class=\"cp-tool__row\" style=\"margin-bottom:4px\">\n\t\t<div>\n\t\t\t<label for=\"cpd-asset\">Actif<\/label>\n\t\t\t<select id=\"cpd-asset\" name=\"asset\" onchange=\"this.form.submit()\">\n\t\t\t\t\t\t\t\t\t<option value=\"BTC\" selected>BTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ETH\">ETH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BNB\">BNB<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"SOL\">SOL<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"XRP\">XRP<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"ADA\">ADA<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"DOGE\">DOGE<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"TRX\">TRX<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"LINK\">LINK<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"AVAX\">AVAX<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"DOT\">DOT<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"LTC\">LTC<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"BCH\">BCH<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"NEAR\">NEAR<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"APT\">APT<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t<noscript><div style=\"display:flex;align-items:flex-end\"><button class=\"cp-btn\" type=\"submit\">Charger<\/button><\/div><\/noscript>\n\t<\/form>\n\t<div data-cp-tool=\"dca\" data-cp-series='[112872.94,114271.24,112500,116935.99,115438.05,113493.59,110111.98,111763.22,111262.01,112566.9,108377.4,108816.33,108246.35,109237.42,111240.01,111705.71,110730.87,110659.99,110187.97,111137.34,112065.23,111546.39,113960,115482.69,116029.42,115918.29,115268.01,115349.71,116788.96,116447.59,117073.53,115632.38,115685.63,115232.29,112650.99,111998.8,113307,108994.49,109643.46,109635.85,112163.95,114311.96,114048.93,118594.99,120529.35,122232,122391,123482.31,124658.54,121332.95,123306,121662.4,112774.5,110644.4,114958.8,115166,113028.14,110763.28,108194.28,106431.68,107185.01,108642.78,110532.09,108297.67,107567.44,110078.18,111004.89,111646.27,114559.4,114107.65,112898.45,110021.29,108322.88,109608.01,110098.1,110540.68,106583.04,101497.22,103885.16,101346.04,103339.08,102312.94,104722.96,106011.13,103058.99,101654.37,99692.02,94594,95596.24,94261.44,92215.14,92960.83,91554.96,86637.23,85129.43,84739.74,86830,88300.01,87369.96,90484.02,91333.95,90890.7,90802.44,90360,86286.01,91277.88,93429.95,92078.06,89330.04,89236.79,90395.31,90634.34,92678.8,92015.37,92513.38,90268.42,90240.01,88172.17,86432.08,87863.42,86243.22,85516.41,88136.94,88360.9,88658.86,88620.79,87486,87669.45,87225.27,87369.56,87877.01,87952.71,87237.13,88485.49,87648.22,88839.04,89995.13,90628.01,91529.73,93859.71,93747.97,91364.16,91099.99,90641.28,90504.7,91013.65,91296.2,95414,96951.78,95604.8,95550.94,95147.77,93673.14,92631,88427.66,89454.73,89559.67,89600.26,89225.34,86670.36,88347.08,89250,89299.99,84650.16,84260.49,78741.09,76968.21,78738.61,75770.21,73165.83,62909.86,70580.26,69289.38,70330.38,70138,68841.29,67082.52,66272.17,68853.96,69822.95,68832.58,68892.43,67503.52,66461,67003.73,68020.01,67975.93,67643.4,64656.02,64058.15,67988.04,67485.18,65872.1,66973.26,65776.47,68830.06,68338,72666.77,70890.72,68114.02,67262.91,65971.2,68432.16,69948.63,70191.86,70541.34,70930,71211.95,72815.24,74884.67,73909.36,71246.54,69930,70510.73,68918.12,67859,70906.45,70556.74,71336.53,68820.31,66407.28,66377.03,66010.93,66797.37,68284.48,68113.92,66901.99,66964.3,67300.42,69034.18,68853.66,71924.22,71069.93,71787.97,72962.7,73043.16,70740.98,74417.99,74131.55,74809.99,75154.29,77072,75691.76,73801.79,75840.97,76336.15,78178.23,78257.48,77437.13,77625,78657.55,77371.32,76342.77,75780,76346.57,78231.13,78686.85,78568.57,79861.01,80905.52,81447.01,80006,80193.17,80678.4,82210.07,81745.65,80504.47,79313.61,81089.99,79113.21,78148.05,77457.67,77001.87,76834.36,77552.23,77615.52,75539.5,76752.01,77064.96,77322.01,75930.01,74449.3,73617.51,73460.78,73884.38,73674.39,71408.9,66760.83,64142.75,63885.99,61056.47,60884.62,63332.01,63085.99,61730,61510.99,63625.99,63580.01,64458.01,65746.45,66328.74,65675.01,64509.4,62958.01,63543.91,64298.01,63311.99,64020.01,62734.57,61077.99,59794,60097.27,60029,59577.01,60260.21,58624.71,60024,61560,62583.26,63144.01,63650,64042.02,63363.99,62290,63230,64161.72,63819,63780,62334.52,65043.98,64756.28,63830.2,63931.67,64834.22,64722.54,65255.51,66556.16,66114.49,65098.97,64139.99,64375,65399.99,63755.86,63915,63984.28,64780.02,62887.88,62823.64,63570,63520,64106.56,64665.23,64323.61,64923.19,64962.6,64901.59,63970.01,63600,63479.99,63490.86,63043.56,63086.01,62900,64532.1,64613.87]' data-cp-sym=\"BTC\">\n\t\t<div class=\"cp-tool__row\">\n\t\t\t<div><label for=\"cpd-amt\">Montant par achat (USD)<\/label><input id=\"cpd-amt\" type=\"number\" step=\"any\" min=\"0\" value=\"100\" data-cp=\"amt\"><\/div>\n\t\t\t<div><label for=\"cpd-freq\">Fr\u00e9quence<\/label>\n\t\t\t\t<select id=\"cpd-freq\" data-cp=\"freq\">\n\t\t\t\t\t<option value=\"7\">Hebdomadaire<\/option>\n\t\t\t\t\t<option value=\"14\">Toutes les deux semaines<\/option>\n\t\t\t\t\t<option value=\"30\" selected>Mensuel<\/option>\n\t\t\t\t<\/select>\n\t\t\t<\/div>\n\t\t\t<div><label for=\"cpd-days\">P\u00e9riode (jours)<\/label><input id=\"cpd-days\" type=\"number\" step=\"1\" min=\"30\" max=\"365\" value=\"365\" data-cp=\"days\"><\/div>\n\t\t<\/div>\n\t\t<div class=\"cp-out\">\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Total investi<\/p><div class=\"cp-out__v\" data-cp=\"invested\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Valeur DCA actuelle<\/p><div class=\"cp-out__v\" data-cp=\"dcaval\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Performance DCA<\/p><div class=\"cp-out__v\" data-cp=\"dcaroi\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Co\u00fbt moyen<\/p><div class=\"cp-out__v\" data-cp=\"avgcost\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Valeur du versement unique<\/p><div class=\"cp-out__v\" data-cp=\"lsval\"><\/div><\/div>\n\t\t\t<div class=\"cp-out__c\"><p class=\"cp-out__k\">Performance du versement unique<\/p><div class=\"cp-out__v\" data-cp=\"lsroi\"><\/div><\/div>\n\t\t<\/div>\n\t\t<div style=\"margin-top:14px\">\n\t\t\t<svg data-cp=\"chart\" viewBox=\"0 0 720 240\" class=\"cp-cc__svg\" role=\"img\" aria-label=\"Valeur du portefeuille : investissement programm\u00e9 contre versement unique\"><\/svg>\n\t\t\t<p class=\"cp-tool__note\" style=\"margin-top:6px\">\n\t\t\t\t<span style=\"color:var(--brand)\">&#9632;<\/span> Investissement programm\u00e9 (dollar-cost averaging)\t\t\t\t&nbsp; <span style=\"color:var(--muted)\">&#9632;<\/span> Versement unique\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<p class=\"cp-tool__note\">Simul\u00e9 sur 365 jours de vrais cours de cl\u00f4ture quotidiens pour BTC issus de Binance. Le versement unique investit le m\u00eame total d\u00e8s le premier jour de la p\u00e9riode. <strong>Ceci est de l'histoire, pas une pr\u00e9vision.<\/strong> Le r\u00e9sultat d\u00e9pend presque enti\u00e8rement de la fen\u00eatre choisie \u2014 d\u00e9calez la date de d\u00e9part et le gagnant change souvent \u2014 \u00e0 consid\u00e9rer donc comme un moyen de comprendre le m\u00e9canisme plut\u00f4t que comme une preuve qu'une approche est meilleure que l'autre.<\/p><\/div>\n<h2>Ce que fait ce test r\u00e9trospectif<\/h2>\n<p>L&#8217;investissement programm\u00e9 (DCA) consiste \u00e0 acheter un montant fixe \u00e0 intervalle fixe, quel que soit le prix. L&#8217;alternative consiste \u00e0 engager la totalit\u00e9 du montant en une seule fois. Cet outil ex\u00e9cute les deux strat\u00e9gies sur de vrais prix de cl\u00f4ture quotidiens et montre ce que chacune aurait produit : total investi, valeur finale, rendement, et \u2014 pour le plan DCA \u2014 le prix moyen que vous auriez pay\u00e9.<\/p>\n<p>Le graphique trace les deux valeurs de portefeuille sur la p\u00e9riode. La ligne pleine repr\u00e9sente l&#8217;investissement programm\u00e9, la ligne pointill\u00e9e le versement unique. Observer les deux diverger est plus instructif que les chiffres finaux, car cela montre <em>\u00e0 quel moment<\/em> chaque approche \u00e9tait en t\u00eate.<\/p>\n<h2>Comment l&#8217;utiliser<\/h2>\n<ol>\n<li>Choisissez un actif. Seuls les actifs pour lesquels nous d\u00e9tenons un v\u00e9ritable historique de prix quotidien sont list\u00e9s.<\/li>\n<li>D\u00e9finissez le montant que vous investiriez \u00e0 chaque achat.<\/li>\n<li>Choisissez hebdomadaire, bimensuel ou mensuel.<\/li>\n<li>Raccourcissez la p\u00e9riode pour tester une autre fen\u00eatre.<\/li>\n<\/ol>\n<p>Le versement unique investit toujours le m\u00eame total que celui que le plan DCA aurait investi, engag\u00e9 le premier jour de la fen\u00eatre, si bien que la comparaison se fait \u00e0 conditions \u00e9gales.<\/p>\n<h2>La r\u00e9serve la plus importante<\/h2>\n<p><strong>Ceci est de l&#8217;histoire, pas une pr\u00e9vision.<\/strong> Le r\u00e9sultat d\u00e9pend \u00e9norm\u00e9ment de la fen\u00eatre choisie. Sur un march\u00e9 en hausse r\u00e9guli\u00e8re, le versement unique gagne presque \u00e0 chaque fois, parce qu&#8217;il a \u00e9t\u00e9 expos\u00e9 plus t\u00f4t. Sur un march\u00e9 qui a baiss\u00e9 puis s&#8217;est redress\u00e9, l&#8217;investissement programm\u00e9 gagne, parce que les achats ult\u00e9rieurs \u00e9taient moins chers. D\u00e9calez la date de d\u00e9part de quelques semaines et le gagnant change fr\u00e9quemment. Quiconque vous dit qu&#8217;un test r\u00e9trospectif prouve la sup\u00e9riorit\u00e9 d&#8217;une approche vous montre une fen\u00eatre choisie.<\/p>\n<p>Ce que l&#8217;investissement programm\u00e9 offre r\u00e9ellement, ce n&#8217;est pas un rendement plus \u00e9lev\u00e9 mais un pire sc\u00e9nario moins s\u00e9v\u00e8re et une d\u00e9cision que vous pouvez continuer \u00e0 prendre sans avoir besoin d&#8217;avoir raison sur le timing. C&#8217;est un avantage comportemental, et pour beaucoup de gens c&#8217;est le plus pr\u00e9cieux \u2014 mais c&#8217;est une affirmation diff\u00e9rente de &#8220;cela rapporte plus d&#8217;argent&#8221;.<\/p>\n<h2>Ce qui n&#8217;est pas mod\u00e9lis\u00e9<\/h2>\n<p>Les frais de transaction, les spreads, les taxes sur les cessions, et le fait qu&#8217;un plan r\u00e9el est souvent interrompu. Les prix sont des cl\u00f4tures quotidiennes issues de Binance, si bien que le timing intrajournalier est ignor\u00e9. Notre <a href=\"\/methodology\/\">m\u00e9thodologie<\/a> couvre le circuit de donn\u00e9es. Rien ici ne constitue un conseil.<\/p>\n<h3>Questions fr\u00e9quentes<\/h3>\n<p><strong>Pourquoi ne puis-je choisir que certains actifs ?<\/strong> Parce que nous ne disposons d&#8217;une v\u00e9ritable s\u00e9rie quotidienne que pour ceux-l\u00e0. Nous ne simulerons pas un historique de prix pour remplir une liste d\u00e9roulante.<\/p>\n<p><strong>Jusqu&#8217;o\u00f9 cela remonte-t-il ?<\/strong> Jusqu&#8217;\u00e0 environ un an de cl\u00f4tures quotidiennes, ce que nous mettons en cache.<\/p>\n<p><strong>Un r\u00e9sultat positif signifie-t-il que cela fonctionnera ?<\/strong> Non. Voir la r\u00e9serve ci-dessus \u2014 cela signifie que cela a fonctionn\u00e9 sur cette fen\u00eatre-l\u00e0.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Testez r\u00e9trospectivement l&#8217;investissement programm\u00e9 (DCA) face \u00e0 un versement unique sur de vrais prix de cl\u00f4ture quotidiens, et voyez les deux courbes de portefeuille c\u00f4te \u00e0 c\u00f4te.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-515","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/pages\/515","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/comments?post=515"}],"version-history":[{"count":0,"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/pages\/515\/revisions"}],"wp:attachment":[{"href":"https:\/\/coinpric.com\/fr\/wp-json\/wp\/v2\/media?parent=515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}