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[vc_section css=”.vc_custom_1619001928616{padding-top: 80px !important;padding-bottom: 60px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/sicav-epargnant-1920×350-1.jpg?id=11555) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_row wrap_container=”yes” css=”.vc_custom_1617195490122{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column][vc_custom_heading text=”SICAV L’EPARGNANT
\n” font_container=”tag:h1|font_size:30|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=””][vc_custom_heading text=”Vous cherchez un placement rentable avec un minimum de risque ?
\nD\u00e9couvrez SICAV l’Epargnant\u2026” font_container=”tag:h2|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”400″ text_transform=”none” has_icon=”” css=”.vc_custom_1617319348882{margin-top: 15px !important;}”][\/vc_column][\/vc_row][\/vc_section][vc_row el_class=”breadcrump-container”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”top” wrap_container=”yes” css=”.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}” el_class=”bloc-row”][vc_column width=”1\/2″ css=”.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Avantages” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1641063085785{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text] Valorisez vos placements avec SICAV l\u2019Epargnant\u00a0!<\/strong><\/span><\/p>\n

C\u2019est une SICAV de type obligataire de distribution.<\/p>\n

Elle assure\u00a0un rendement r\u00e9gulier et une liquidit\u00e9 parfaite.<\/strong><\/p>\n

Son portefeuille est compos\u00e9 de\u00a0:<\/strong><\/span><\/p>\n

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• Titres de cr\u00e9ances \u00e9mis ou garantis par l\u2019Etat ou par des collectivit\u00e9s locales<\/li>\n
• Obligations \u00e9mises par appel public \u00e0 l\u2019\u00e9pargne<\/li>\n
• Titres de cr\u00e9ance n\u00e9gociables<\/li>\n
• Placements mon\u00e9taires<\/li>\n<\/ul>\n

  [\/vc_column_text][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Caract\u00e9ristiques ” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1641063076141{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text]<\/p>\n

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  • La valeur liquidative de l\u2019action est calcul\u00e9e chaque jour en divisant l\u2019actif net par le nombre des titres en circulation<\/li>\n
  • La valeur liquidative sera publi\u00e9e chaque jour de bourse, sauf dans le cas d\u2019impossibilit\u00e9 l\u00e9gale, dans les agences de la STB, au si\u00e8ge de STB MANAGER et sur le site Internet du gestionnaire \u00abwww.stbmanager.com \u00bb. Elle fait \u00e9galement l\u2019objet d\u2019une insertion quotidienne dans le bulletin officiel du Conseil du March\u00e9 Financier<\/li>\n
  • Le prix de souscription ainsi que celui du rachat\u00a0 des actions de SICAV L\u2019EPARGNANT est \u00e9gal \u00e0 la valeur liquidative nette de toute commission<\/li>\n
  • Les souscriptions s\u2019effectuent aupr\u00e8s des guichets de la STB, elles sont constat\u00e9es par un bulletin de souscription. Si le souscripteur n’est pas titulaire d’un compte bancaire, il lui en sera ouvert un, au moment de la souscription<\/li>\n
  • La d\u00e9tention d\u2019actions SICAV L\u2019EPARGNANT est mat\u00e9rialis\u00e9e par une inscription en compte faite par le gestionnaire sur les registres de la SICAV<\/li>\n
  • Les rachats s\u2019effectuent aupr\u00e8s du guichet de la STB qui tient le compte bancaire du client d\u00e9tenteur des actions SICAV. Elles sont constat\u00e9es par un\u00a0 bulletin de rachat. Le paiement des actions rachet\u00e9es est effectu\u00e9 par virement au compte bancaire du client dans un d\u00e9lai n\u2019exc\u00e9dant pas cinq jours de bourse apr\u00e8s l\u2019ex\u00e9cution par le gestionnaire\u00a0 \u00ab STB MANAGER \u00bb de la demande de rachat, ce d\u00e9lai ne comprend pas les jours o\u00f9 la bourse est ferm\u00e9e<\/li>\n
  • Les op\u00e9rations de souscriptions et de rachat donnent lieu \u00e0 l\u2019\u00e9dition d\u2019un avis d\u2019op\u00e9r\u00e9 indiquant le montant et la nature de l\u2019op\u00e9ration effectu\u00e9e ainsi que le solde du compte<\/li>\n
  • Les souscriptions et les rachats sont centralis\u00e9s chaque jour au si\u00e8ge du gestionnaire d\u00e8s l’ouverture des guichets jusqu’\u00e0 15h pendant la double s\u00e9ance, et deux heures avant la fermeture pendant la p\u00e9riode de s\u00e9ance unique\u00a0 et le mois de ramadan. Tout ordre qui parvient \u00e0 la STB MANAGER apr\u00e8s cette heure limite sera ex\u00e9cut\u00e9 sur la base de la valeur liquidative du lendemain ouvrable<\/li>\n
  • SICAV L\u2019EPARGNANT distribue une fois par an et dans\u00a0 les cinq mois suivant la cl\u00f4ture de l\u2019exercice un dividende, selon le choix de l\u2019actionnaire, soit en num\u00e9raire, soit sous forme de r\u00e9investissement en actions SICAV L\u2019EPARGNANT.<\/li>\n<\/ul>\n

    [\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”top” wrap_container=”yes” css=”.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}” el_class=”bloc-row”][vc_column width=”1\/2″ css=”.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”\u00c9ligibilit\u00e9
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    SICAV l’Epargnant, pour qui ?<\/strong><\/span><\/p>\n

    SICAV L\u2019EPARGNANT\u00a0s\u2019adresse aux investisseurs souhaitant valoriser leur \u00e9pargne \u00e0 l\u2019abri des risques du march\u00e9 boursier\u00a0:<\/p>\n

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    • Toute personne physique ou morale<\/li>\n
    • R\u00e9sidente<\/li>\n
    • Les souscriptions par des non-r\u00e9sidents doivent faire l’objet d’une d\u00e9claration \u00e0 la BCT (fiche d’investissement).<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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      Pour toute souscription, veuillez vous adresser\u00a0\u00e0 l\u2019une des agences STB.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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      [\/vc_column_text][\/vc_column][\/vc_row][vc_row wrap_container=”yes”][vc_column][vc_custom_heading text=”SICAV L’EPARGNANT… et les autres !” font_container=”tag:h2|font_size:32|text_align:center|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” el_class=”title-page-hr-style2″ css=”.vc_custom_1619444638938{margin-bottom: 35px !important;padding-top: 20px !important;}”][vc_row_inner el_class=”row-mixed-box” el_id=”block2″][vc_column_inner width=”1\/3″ css=”.vc_custom_1598866383342{margin-bottom: 20px !important;}”][vc_single_image image=”7294″ img_size=”370×200″ alignment=”center” onclick=”custom_link” link=”\/fr\/entreprises\/gerer-vos-operations-de-placements\/compte-terme-dinar\/”][vc_column_text css=”.vc_custom_1619445388503{border-top-width: 0px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 15px !important;border-left-color: #c2c2c2 !important;border-left-style: solid !important;border-right-color: #c2c2c2 !important;border-right-style: solid !important;border-top-color: #c2c2c2 !important;border-top-style: solid !important;border-bottom-color: #c2c2c2 !important;border-bottom-style: solid !important;border-radius: 1px !important;}” el_class=”min-height-text”]<\/p>\n

      COMPTE \u00c0 TERME EN DINARS
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      Le Compte \u00e0 Terme en Dinars\u2026un placement s\u00fbr et rentable !<\/p>\n

      [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ css=”.vc_custom_1598866394585{margin-bottom: 20px !important;}”][vc_single_image image=”7352″ img_size=”370×200″ alignment=”center” onclick=”custom_link” link=”\/fr\/entreprises\/gerer-vos-operations-de-placements\/sicav-avenir\/”][vc_column_text css=”.vc_custom_1619439633257{border-top-width: 0px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 15px !important;border-left-color: #c2c2c2 !important;border-left-style: solid !important;border-right-color: #c2c2c2 !important;border-right-style: solid !important;border-top-color: #c2c2c2 !important;border-top-style: solid !important;border-bottom-color: #c2c2c2 !important;border-bottom-style: solid !important;border-radius: 1px !important;}” el_class=”min-height-text”]<\/p>\n

      SICAV AVENIR<\/a><\/h3>\n

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      Profitez de l\u2019\u00e9volution des cours boursiers dans les meilleures conditions avec SICAV Avenir !<\/p>\n

      [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ css=”.vc_custom_1598866402600{margin-bottom: 20px !important;}”][vc_single_image image=”7558″ img_size=”370×200″ alignment=”center” onclick=”custom_link” link=”\/fr\/entreprises\/gerer-vos-operations-de-placements\/compte-a-terme-dinar-convertible\/”][vc_column_text css=”.vc_custom_1619444876736{border-top-width: 0px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 15px !important;border-left-color: #c2c2c2 !important;border-left-style: solid !important;border-right-color: #c2c2c2 !important;border-right-style: solid !important;border-top-color: #c2c2c2 !important;border-top-style: solid !important;border-bottom-color: #c2c2c2 !important;border-bottom-style: solid !important;border-radius: 1px !important;}” el_class=”min-height-text”]<\/p>\n

      Compte \u00e0 terme en dinars convertibles<\/a><\/h3>\n

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      Vous souhaitez accroitre le rendement de votre capital ?\u2026<\/p>\n

      [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

      [vc_section css=”.vc_custom_1619001928616{padding-top: 80px !important;padding-bottom: 60px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/sicav-epargnant-1920×350-1.jpg?id=11555) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_row wrap_container=”yes” css=”.vc_custom_1617195490122{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column][vc_custom_heading text=”SICAV L’EPARGNANT ” font_container=”tag:h1|font_size:30|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=””][vc_custom_heading text=”Vous cherchez un placement rentable avec un minimum de risque ? D\u00e9couvrez SICAV l’Epargnant\u2026” font_container=”tag:h2|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”400″ text_transform=”none” has_icon=”” css=”.vc_custom_1617319348882{margin-top: 15px !important;}”][\/vc_column][\/vc_row][\/vc_section][vc_row el_class=”breadcrump-container”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”top” wrap_container=”yes” css=”.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}” el_class=”bloc-row”][vc_column width=”1\/2″ css=”.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Avantages” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1641063085785{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text] Valorisez vos placements avec SICAV l\u2019Epargnant\u00a0! C\u2019est une SICAV de type obligataire de distribution. Elle assure\u00a0un rendement r\u00e9gulier et une liquidit\u00e9 parfaite. Son portefeuille est compos\u00e9 de\u00a0: Titres de cr\u00e9ances \u00e9mis ou garantis par l\u2019Etat ou par des collectivit\u00e9s locales Obligations \u00e9mises par appel public \u00e0 l\u2019\u00e9pargne Titres de cr\u00e9ance n\u00e9gociables Placements mon\u00e9taires [\/vc_column_text][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Caract\u00e9ristiques ” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1641063076141{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text] La valeur liquidative de l\u2019action est calcul\u00e9e chaque jour en divisant l\u2019actif net par le nombre des titres en circulation La valeur liquidative sera publi\u00e9e […]<\/p>\n","protected":false},"author":24,"featured_media":6821,"parent":3158,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"SICAV L'Epargnant pour Entreprises : Investissement Rentable | STB Bank","_seopress_titles_desc":"Maximisez le rendement des placements de votre entreprise avec la SICAV L'Epargnant: solution d'investissement flexible et performante pour g\u00e9rer vos exc\u00e9dents financiers","_seopress_robots_index":"","footnotes":""},"class_list":["post-4020","page","type-page","status-publish","has-post-thumbnail","hentry"],"publishpress_future_action":{"enabled":false,"date":"2026-05-06 13:31:26","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"language"},"rttpg_featured_image_url":{"full":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"landscape":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"portraits":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"thumbnail":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant-150x150.jpg",150,150,true],"medium":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant-300x162.jpg",300,162,true],"large":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"1536x1536":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"2048x2048":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"saturnthemes-financebank-full-thumb":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"saturnthemes-financebank-grid-thumb":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant-270x146.jpg",270,146,true],"saturnthemes-financebank-grid-style1":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant-370x200.jpg",370,200,true],"saturnthemes-financebank-grid-style2":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",370,200,false],"saturnthemes-financebank-service-grid":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant-370x200.jpg",370,200,true],"saturnthemes-financebank-staff-grid":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant-270x200.jpg",270,200,true],"rpwe-thumbnail":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2020\/12\/sicav-epargnant.jpg",45,24,false]},"rttpg_author":{"display_name":"Rim Jridi","author_link":"https:\/\/www.stb.com.tn\/fr\/author\/rym-pixels\/"},"rttpg_comment":0,"rttpg_category":" Fran\u00e7ais<\/a>","rttpg_excerpt":"[vc_section css=”.vc_custom_1619001928616{padding-top: 80px !important;padding-bottom: 60px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/sicav-epargnant-1920×350-1.jpg?id=11555) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_row wrap_container=”yes” css=”.vc_custom_1617195490122{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column][vc_custom_heading text=”SICAV L’EPARGNANT ” font_container=”tag:h1|font_size:30|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=””][vc_custom_heading text=”Vous cherchez un placement rentable avec un minimum de risque ? 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