ETFs, these miracle funds for investing in the stock market

Here is the cheapest thing to do to diversify your investments in the financial markets. ETFs, for “exchange traded funds”, are funds that replicate stock market indices at a lower cost. For the saver, the interest is obvious: to invest in the 40 companies of the CAC 40 with a single product (an ETF replicating the CAC 40), in the 500 American stocks of the S&P 500 or in 2,900 companies of 50 countries thanks to the MSCI ACWI. But don't rely too much on distributors to put them on the storefront. With annual management fees of between 0.15% and 0.40% per year, ETFs do not pay them any retrocession, or marginal. On the other hand, on the savings side, it is a guarantee of performance. Over ten years, only 8% of funds invested in euro zone equities beat their benchmark index,according to the Spiva Europe Scorecard study from March 2021.

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To invest in it, the easiest way is to entrust the management of your savings to specialists, in the form of management.

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