{"id":597,"date":"2026-10-29T00:04:27","date_gmt":"2026-10-29T04:04:27","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=597"},"modified":"2026-10-29T00:04:27","modified_gmt":"2026-10-29T00:04:27","slug":"start-early-the-quiet-power-of-compounding","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/start-early-the-quiet-power-of-compounding\/","title":{"rendered":"Commencez t\u00f4t : le pouvoir discret des int\u00e9r\u00eats compos\u00e9s"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"597\" class=\"elementor elementor-597\">\n\t\t\t\t<section class=\"elementor-element elementor-element-a0aba7b e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"a0aba7b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a0aba7b\">\n    <div class=\"elementor-element elementor-element-86eed81 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"86eed81\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"86eed81\">\n    <article class=\"elementor-element elementor-element-69e73f3 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"69e73f3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"69e73f3\">\n    <div class=\"elementor-element elementor-element-34eba34 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"34eba34\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"34eba34\">\n    <div class=\"elementor-element elementor-element-4d79700 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"4d79700\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4d79700\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"22e3428\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"dd20eca\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"b21bd6f\">\n\tPlanification financi\u00e8re\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-0f16968 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"0f16968\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0f16968\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"5205d95\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"2ce5767\">Article 8 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"4a57595\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"6f02380\" class=\"title-lg e-heading-base e-default-h1\">Commencez t\u00f4t : le pouvoir discret des int\u00e9r\u00eats compos\u00e9s<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"82fa8bf\" id=\"275\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13-1024x559.webp\" width=\"1024\" height=\"559\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13-1024x559.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13-300x164.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13-768x419.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13-1536x838.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13-18x10.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13-600x327.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-13.webp 1600w\" alt=\"\"\/>\t\t<div class=\"elementor-element elementor-element-7d4905f e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"7d4905f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7d4905f\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"a2b53b2\">On attribue souvent \u00e0 Albert Einstein la citation suivante\u00a0: \u00ab\u00a0Les int\u00e9r\u00eats compos\u00e9s sont la huiti\u00e8me merveille du monde.\u00a0\u00bb Qu\u2019il l\u2019ait dit ou non, le principe math\u00e9matique est bien r\u00e9el et il r\u00e9compense ceux qui commencent t\u00f4t, m\u00eame avec de petites sommes.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"ca476d5\" class=\"prose-heading e-heading-base e-default-h2\">Qu&#039;est-ce que la capitalisation ?<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-adb6f44 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"adb6f44\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"adb6f44\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"1a52307\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"75981ef\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"acecfc3\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-939a43a e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"939a43a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"939a43a\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"168060f\">\n\tChoisissez Premium\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"7d2059d\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-a058b51 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"a058b51\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a058b51\">\n    <a class=\"elementor-element elementor-element-e928ff6 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"e928ff6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e928ff6\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/new-to-canada-your-first-year-financial-plan\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"bd33260\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"7bf5e88\">Vous venez d&#039;arriver au Canada\u00a0? Votre plan financier pour la premi\u00e8re ann\u00e9e<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f29c54b e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"f29c54b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f29c54b\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/pre-retirees-planning-your-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"6ca32ad\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"f760476\">Pr\u00e9retrait\u00e9s : Planifier ses revenus de retraite<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-4952e1e e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"4952e1e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4952e1e\">\n    <div class=\"elementor-element elementor-element-5e9cdde e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"5e9cdde\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5e9cdde\">\n    <div class=\"elementor-element elementor-element-6a3128d e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"6a3128d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6a3128d\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"8c93cf6\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"7dc040a\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-4e73c82 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"4e73c82\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4e73c82\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/what-is-financial-planning-and-why-does-it-matter\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"48e84d9\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"dabf016\">Qu\u2019est-ce que la planification financi\u00e8re et pourquoi est-elle importante\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e9c6115 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"e9c6115\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e9c6115\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/set-money-goals-that-actually-stick\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"046562d\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d2cf968\">Fixez-vous des objectifs financiers que vous tiendrez vraiment<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ead357b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"ead357b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ead357b\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/budgeting-basics-telling-your-money-where-to-go\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"3dbf8aa\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"fb0ad65\">Les bases de la gestion budg\u00e9taire\u00a0: comment allouer son argent<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-5e85d4d e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5e85d4d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5e85d4d\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/your-emergency-fund-the-foundation-of-every-plan\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"036f2be\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"186736e\">Votre fonds d&#039;urgence : la base de tout plan<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-143a47e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"143a47e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"143a47e\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/insurance-basics-protecting-what-you-are-building\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"02eaca8\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"03ac97f\">Principes de base de l&#039;assurance\u00a0: prot\u00e9ger ce que vous construisez<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d1ca1f8 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d1ca1f8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d1ca1f8\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/tfsa-rrsp-and-fhsa-canadas-registered-accounts-in-plain-language\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"8b8be73\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"35c4a26\">CELI, REER et CAF\u00a0: Les comptes enregistr\u00e9s du Canada expliqu\u00e9s en langage clair<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-97fcf45 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"97fcf45\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"97fcf45\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/new-to-canada-your-first-year-financial-plan\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"806dd11\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"6edac40\">Vous venez d&#039;arriver au Canada\u00a0? Votre plan financier pour la premi\u00e8re ann\u00e9e<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-c5f35d5 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"c5f35d5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c5f35d5\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/start-early-the-quiet-power-of-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"2a2c596\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"9841bc1\">Commencez t\u00f4t : le pouvoir discret des int\u00e9r\u00eats compos\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-faa12ca e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"faa12ca\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"faa12ca\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/pre-retirees-planning-your-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"d6fd43f\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"83c745a\">Pr\u00e9retrait\u00e9s : Planifier ses revenus de retraite<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-fbe66ba e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"fbe66ba\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fbe66ba\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/wills-beneficiaries-and-your-annual-financial-check-up\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"d4dd277\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"afc4902\">Testaments, b\u00e9n\u00e9ficiaires et votre bilan financier annuel<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"4c7dc2b\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Financial Planning Premium Article 8 of 10 2 min read Start Early: The Quiet Power of Compounding Albert [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":589,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-597","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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