Maître Anne-Sophie RAMOND

Avocat au barreau de Paris

Barreau : Paris

Adresse : 2 AVENUE HOCHE 75008 PARIS

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Publié le 09/06/2023

Biens divers : Quelles sont les obligations des intermédiaires en biens divers

Article juridique - Droit bancaire et boursier

Par Me Anne-Sophie RAMOND

Biens divers : Quelles sont les obligations des intermédiaires en biens divers

L’investissement en bien divers permet à un épargnant de réaliser un placement financier dans un domaine différent des placements financiers traditionnels, type assurance-vie.

Les épargnants peuvent alors placer leur capital dans des produits atypiques, par exemple Vin, bois, œuvre d’art, sous couvert d’une promesse d’un rendement élevé.

Ce type d’investissement est considéré comme un investissement financier, et les commercialisateurs de biens divers sont donc soumis aux mêmes règles d’informations que pour les placements financiers traditionnels.

Le devoir d’information incombant aux professionnels consiste à apporter une information équilibrée aux investisseurs, notamment en leur mentionnant les risques d’un tel investissement, afin que l’épargnant prenne une décision éclairée.

Toutefois, la commercialisation des biens divers n’est pas soumise aux mêmes règles de protection que pour la commercialisation des investissements financiers. En effet, pour certains investissements, l’AMF n’est compétente que pour opérer un contrôle à postériori des communications promotionnelles du professionnel.

Malgré la tentation d’investir dans des biens atypiques pour diversifier votre épargne, prenez-garde aux offres trop alléchantes vous promettant des économies d’impôts irréalisable.