{"id":3475,"date":"2026-07-27T13:31:13","date_gmt":"2026-07-27T11:31:13","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=3475"},"modified":"2026-07-27T13:37:35","modified_gmt":"2026-07-27T11:37:35","slug":"stock-market-commissions-the-hidden-cost-that-reduces-your-earnings","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/","title":{"rendered":"Stock market commissions: the hidden cost that reduces your earnings"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>Les commissions en bourse sont souvent invisibles, mais elles peuvent te co\u00fbter des milliers de francs sur le long terme. Dans cet article,  Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains, d\u00e9couvre pourquoi choisir des frais faibles est essentiel pour maximiser tes rendements<\/strong> !<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Introduction_Commissions_en_bourse\" >Introduction : Commissions en bourse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Les_frais_le_rendement_invisible\" >Les frais : le rendement invisible<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Quest-ce_que_la_TER\" >Qu&#8217;est-ce que la TER ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Pourquoi_une_TER_basse_est-elle_si_importante\" >Pourquoi une TER basse est-elle si importante ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Les_commissions_du_courtier\" >Les commissions du courtier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Quest-ce_quun_compte_boursier_bon_marche\" >Qu&#8217;est-ce qu&#8217;un compte boursier bon march\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Commissions_faibles_a_lachat_et_la_vente\" >Commissions faibles \u00e0 l&#8217;achat et la vente<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Frais_de_change_inclus\" >Frais de change inclus<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Aucun_frais_cache\" >Aucun frais cach\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Les_frais_dun_pilier_3a\" >Les frais d&#8217;un pilier 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Exemple_concret_deux_investisseurs_deux_resultats_tres_differents\" >Exemple concret : deux investisseurs, deux r\u00e9sultats tr\u00e8s diff\u00e9rents<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Investisseur_A_frais_faibles\" >Investisseur A : frais faibles<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Investisseur_B_frais_eleves\" >Investisseur B : frais \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Comment_reduire_les_frais\" >Comment r\u00e9duire les frais ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#FAQ_Commissions_en_bourse_le_cout_cache_qui_reduit_tes_gains\" >FAQ : Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Pourquoi_les_commissions_sont-elles_importantes_en_bourse\" >Pourquoi les commissions sont-elles importantes en bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Quest-ce_que_la_TER_dun_ETF\" >Qu&#8217;est-ce que la TER d&#8217;un ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Quelle_TER_choisir_pour_un_ETF\" >Quelle TER choisir pour un ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Quels_sont_les_frais_dun_compte_boursier\" >Quels sont les frais d&#8217;un compte boursier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Comment_choisir_un_compte_boursier_bon_marche\" >Comment choisir un compte boursier bon march\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Les_frais_de_courtage_ont-ils_un_reel_impact_sur_les_performances\" >Les frais de courtage ont-ils un r\u00e9el impact sur les performances ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Les_frais_dun_pilier_3a_sont-ils_importants\" >Les frais d&#8217;un pilier 3a sont-ils importants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Comment_reduire_les_frais_lorsque_lon_investit_en_bourse\" >Comment r\u00e9duire les frais lorsque l&#8217;on investit en bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Commissions_en_bourse_le_cout_cache_qui_reduit_tes_gains\" >Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commissions-en-bourse-le-cout-cache-qui-reduit-tes-gains\/#Commissions_en_bourse_le_cout_cache_qui_reduit_tes_gains-2\" >Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-1\"><span class=\"ez-toc-section\" id=\"Introduction_Commissions_en_bourse\"><\/span>Introduction : Commissions en bourse<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup de d\u00e9butants cherchent <strong>le meilleur ETF<\/strong>, mais oublient un \u00e9l\u00e9ment beaucoup plus important : <strong>les frais<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 premi\u00e8re vue, une diff\u00e9rence de <strong>0,20% ou 0,50%<\/strong> para\u00eet insignifiante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffae0\" class=\"has-inline-color\">sur plusieurs d\u00e9cennies, ces quelques dixi\u00e8mes de pourcentage peuvent repr\u00e9senter des milliers, voire des dizaines de milliers de francs.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, tu vas comprendre pourquoi les commissions sont l&#8217;un des crit\u00e8res les plus importants lorsque tu investis en bourse.<\/p>\n\n\n\n<figure style=\"margin-top:var(--wp--preset--spacing--80);margin-right:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);margin-left:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\" class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" autoplay controls muted src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-b075637a-b75f-4f7d-8083-8ac9ceee697f.mp4\" playsinline><\/video><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Les_frais_le_rendement_invisible\"><\/span>Les frais : le rendement invisible<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque tu investis dans un ETF, tu ne paies pas uniquement le prix d&#8217;achat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe diff\u00e9rents frais qui diminuent progressivement ton patrimoine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux frais principaux sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la <strong>TER<\/strong>, qui correspond aux frais de gestion de l&#8217;ETF <\/li>\n\n\n\n<li>les <strong>commissions du courtier<\/strong>, pay\u00e9es lors des achats ou des ventes.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\">\ud83d\udc49 <strong>Pris s\u00e9par\u00e9ment, ces frais semblent faibles. En revanche, additionn\u00e9s pendant 20, 30 ou 40 ans, ils peuvent repr\u00e9senter plusieurs milliers de francs.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_TER\"><\/span>Qu&#8217;est-ce que la TER ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>TER (Total Expense Ratio)<\/strong> repr\u00e9sente les frais de gestion annuels pr\u00e9lev\u00e9s par le gestionnaire de l&#8217;ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ils servent notamment \u00e0 financer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l&#8217;administration du fonds <\/li>\n\n\n\n<li>la gestion <\/li>\n\n\n\n<li>les co\u00fbts op\u00e9rationnels<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque ETF a des frais et des commissions de gestion. La commission TER est exig\u00e9 aux clients afin de financer le fonds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La TER est directement d\u00e9duite directement des performances du fonds. Tu ne re\u00e7ois donc jamais une facture pour cette commission. Cependant, cette commission est prise de ton rendement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, les frais diminuent simplement ton rendement chaque ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est pour cette raison que beaucoup d&#8217;investisseurs d\u00e9butants ne r\u00e9alisent m\u00eame pas qu&#8217;ils paient cette commission. <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Pourquoi_une_TER_basse_est-elle_si_importante\"><\/span>Pourquoi une TER basse est-elle si importante ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un exemple volontairement simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Supposons un investissement initial de <strong>5 000 CHF<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les frais apr\u00e8s 20 ans avec diff\u00e9rentes commissions.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">TER<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais apr\u00e8s 20 ans*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">0,10 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">0,50 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 000 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*Sans tenir compte des int\u00e9r\u00eats compos\u00e9s.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 premi\u00e8re vue, la diff\u00e9rence para\u00eet d\u00e9j\u00e0 importante. Mais en r\u00e9alit\u00e9, elle est encore bien plus \u00e9lev\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ? Parce que chaque franc pay\u00e9 en frais ne peut plus produire de rendement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, tu perds deux fois de l&#8217;argent si ton ETF a une TER \u00e9lev\u00e9e:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>En commissions annuelles de la TER de ton ETF<\/li>\n\n\n\n<li>mais aussi les int\u00e9r\u00eats compos\u00e9s perdus \u00e0 cause de la commission TER.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\">\ud83d\udc49 <strong>De ce fait, ne sous-estime pas les frais TER ! Ils influencent la rentabilit\u00e9 de ton ETF.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Les_commissions_du_courtier\"><\/span>Les commissions du courtier<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais ne concernent pas uniquement l&#8217;ETF. Ton courtier facture \u00e9galement des commissions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>investissement : <strong>200 CHF par mois<\/strong><\/li>\n\n\n\n<li>dur\u00e9e : <strong>20 ans<\/strong><\/li>\n\n\n\n<li>rendement annuel : <strong>5%<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Commission mensuelle<\/th><th class=\"has-text-align-center\" data-align=\"center\">Valeur finale de ton placement <br>apr\u00e8s 20 ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">3 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">84 023 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">82 995 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">80 936 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Entre <strong>3 CHF<\/strong> et <strong>10 CHF<\/strong> de frais mensuels, l&#8217;\u00e9cart d\u00e9passe <strong>3&#8217;000 CHF<\/strong> en 20 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seulement <strong>7 CHF de diff\u00e9rence chaque mois<\/strong> suffisent \u00e0 r\u00e9duire ton patrimoine de plusieurs milliers de CHF apres quelques ann\u00e9es.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\">\ud83d\udc49 <strong>Voil\u00e0 pourquoi le choix du courtier est presque aussi important que celui de l&#8217;ETF.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Quest-ce_quun_compte_boursier_bon_marche\"><\/span>Qu&#8217;est-ce qu&#8217;un compte boursier bon march\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte boursier bon march\u00e9 est un courtier qui te permet d&#8217;investir en limitant les frais au maximum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00e9n\u00e9ral, il faut comparer plusieurs \u00e9l\u00e9ments :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les commissions d&#8217;achat et de vente <\/li>\n\n\n\n<li>les frais de change si tu investis dans une autre devise <\/li>\n\n\n\n<li>les \u00e9ventuels frais de garde ou d&#8217;inactivit\u00e9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un exemple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu souhaites investir <strong>500 CHF par mois<\/strong> dans un ETF am\u00e9ricain.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\"><strong>Courtier A<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2 CHF de commission par achat<\/li>\n\n\n\n<li>0,25% de frais de change<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-11 wp-block-paragraph\"><strong>Courtier B<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10 CHF de commission par achat<\/li>\n\n\n\n<li>1% de frais de change<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si les deux permettent d&#8217;acheter exactement le m\u00eame ETF, le deuxi\u00e8me courtier te co\u00fbtera beaucoup plus cher chaque mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur une ou deux transactions, la diff\u00e9rence para\u00eet faible. Mais apr\u00e8s plusieurs centaines d&#8217;achats r\u00e9alis\u00e9s pendant 20 ou 30 ans, cela repr\u00e9sente plusieurs milliers de francs de frais suppl\u00e9mentaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, les 3 crit\u00e8res principaux afin de choisir un bon compte boursier sont :<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Commissions_faibles_a_lachat_et_la_vente\"><\/span>Commissions faibles \u00e0 l&#8217;achat et la vente<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici ma liste personnelle concernant le prix d&#8217;un achat ou vente d&#8217;un ETF<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Moins de 2,5 CHF = Bon prix<\/li>\n\n\n\n<li>Entre 2,5 \u00e0 3,5 CHF = Prix correct<\/li>\n\n\n\n<li>Plus que 3,5 CHF = Prix trop \u00e9lev\u00e9 <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, je refuse les courtiers qui demandent plus de 3,5 CHF pour acheter un ETF.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Frais_de_change_inclus\"><\/span>Frais de change inclus<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des courtiers facturent des frais de change si l&#8217;ETF est en une autre devise que celle de l&#8217;investisseur. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon avis, tant que le co\u00fbt total (achat + frais de change) reste en dessous de 3,5 CHF, cela ne pose pas de probl\u00e8me.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"Aucun_frais_cache\"><\/span>Aucun frais cach\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Je v\u00e9rifie toujours si le compte boursier n&#8217;a pas de commission cach\u00e9e, par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>frais d&#8217;inactivit\u00e9<\/li>\n\n\n\n<li>frais de maintien du compte<\/li>\n\n\n\n<li>commission pour recevoir des dividendes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, si un courtier a des frais en plus des commissions pour acheter ou vendre des ETF, ce n&#8217;est pas un compte boursier fiable.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6abc7b4e245f3&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6abc7b4e245f3\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"843\" height=\"1264\" data-attachment-id=\"29981\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a66fe1a4ef25\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?fit=843%2C1264&amp;ssl=1\" data-orig-size=\"843,1264\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; les frais TER et les frais du coutier\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?fit=400%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?resize=843%2C1264&#038;ssl=1\" alt=\"les frais en bourse qui d\u00e9truisent le rendement - Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains\" class=\"wp-image-29981\" style=\"aspect-ratio:0.6745362563237775;width:636px;height:auto\" title=\"graphique - les frais TER et les frais du coutier\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?w=843&amp;ssl=1 843w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?resize=200%2C300&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?resize=400%2C600&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?resize=768%2C1152&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a66fe1a4ef25.png?resize=600%2C900&amp;ssl=1 600w\" sizes=\"auto, (max-width: 843px) 100vw, 843px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"Les_frais_dun_pilier_3a\"><\/span>Les frais d&#8217;un pilier 3a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le m\u00eame raisonnement s&#8217;applique au pilier 3a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une diff\u00e9rence de <strong>1% de frais par ann\u00e9e<\/strong> semble faible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, sur une carri\u00e8re enti\u00e8re, les cons\u00e9quences sont \u00e9normes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les simulations de Viac<a href=\"https:\/\/viac.ch\/fr\/produits\/pilier-3a\/frais\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>, investir <strong>4 008 CHF par ann\u00e9e pendant 40 ans,<\/strong> peut repr\u00e9senter pr\u00e8s de <strong>90 000 CHF de diff\u00e9rence<\/strong> entre une solution peu co\u00fbteuse et une autre plus ch\u00e8re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit : <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff9d6\" class=\"has-inline-color\">ce n&#8217;est pas uniquement le rendement qui compte. Il faut aussi r\u00e9ussir \u00e0 conserver ce rendement avec des frais faibles.<\/mark><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Exemple_concret_deux_investisseurs_deux_resultats_tres_differents\"><\/span>Exemple concret : deux investisseurs, deux r\u00e9sultats tr\u00e8s diff\u00e9rents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons deux investisseurs qui suivent exactement la m\u00eame strat\u00e9gie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tous les deux investissent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>500 CHF par mois<\/li>\n\n\n\n<li>pendant 30 ans<\/li>\n\n\n\n<li>avec un rendement moyen de 7% par an<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La seule diff\u00e9rence ? Les frais.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Investisseur_A_frais_faibles\"><\/span>Investisseur A : frais faibles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF avec une TER de <strong>0,10 %<\/strong><\/li>\n\n\n\n<li>Courtier avec <strong>2 CHF<\/strong> de commission par achat<\/li>\n\n\n\n<li>Aucun frais cach\u00e9<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Investisseur_B_frais_eleves\"><\/span>Investisseur B : frais \u00e9lev\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF avec une TER de <strong>0,80 %<\/strong><\/li>\n\n\n\n<li>Courtier avec <strong>10 CHF<\/strong> de commission par achat<\/li>\n\n\n\n<li>Frais de change et frais annexes plus \u00e9lev\u00e9s<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux investisseurs versent exactement la m\u00eame somme chaque mois. Pourtant, ann\u00e9e apr\u00e8s ann\u00e9e, l&#8217;investisseur B voit une partie de son rendement dispara\u00eetre dans les frais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces commissions ne r\u00e9duisent pas seulement son patrimoine : elles diminuent \u00e9galement les int\u00e9r\u00eats compos\u00e9s que cet argent aurait pu g\u00e9n\u00e9rer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s 30 ans, l&#8217;\u00e9cart entre les deux portefeuilles peut repr\u00e9senter <strong>plusieurs dizaines de milliers de francs<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Investisseur A<\/th><th class=\"has-text-align-center\" data-align=\"center\">Investisseur B<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">TER<\/td><td class=\"has-text-align-center\" data-align=\"center\">0,10 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0,80 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Commission par achat<\/td><td class=\"has-text-align-center\" data-align=\"center\">2 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement mensuel<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dur\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 ans<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement brut<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 %<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Patrimoine final<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 598 085 CHF<\/strong><br>\ud83d\udcc8 Plus \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u2248 521 908 CHF<\/strong><br>\ud83d\udcc9 Plusieurs dizaines de milliers de CHF en moins<\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le plus surprenant est que cette diff\u00e9rence ne provient pas d&#8217;un meilleur choix d&#8217;ETF ou d&#8217;un rendement sup\u00e9rieur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux investisseurs ont achet\u00e9 le m\u00eame placement. Mais l&#8217;investiseur A a simplement pay\u00e9 moins de frais en TER et en frais de courtier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence est significative. Dans cet exemple, on parle de plus de 76&#8217;000 CHF gagn\u00e9s &#8230; en choisissant le bon compte boursier et le bon ETF.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-19 wp-block-paragraph\">\ud83d\udc49 <strong>La morale est simple : r\u00e9duire les frais est l&#8217;un des rares leviers qu&#8217;un investisseur peut contr\u00f4ler. Chaque franc \u00e9conomis\u00e9 aujourd&#8217;hui continue \u00e0 travailler pour toi pendant des d\u00e9cennies.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Comment_reduire_les_frais\"><\/span>Comment r\u00e9duire les frais ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Heureusement, quelques bonnes habitudes suffisent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je recommande de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>choisir des ETF dont la TER est inf\u00e9rieure \u00e0 <strong>0,20%<\/strong> <\/li>\n\n\n\n<li>utiliser un courtier qui demande commissions faibles (moins de 3,5 CHF de commission par achat)<\/li>\n\n\n\n<li>utiliser un courtier qui n&#8217;a pas de frais inutiles (frais d&#8217;inactivit\u00e9, commission annuelle)<\/li>\n\n\n\n<li>\u00e9viter d&#8217;acheter ou vendre des ETF inutilement<\/li>\n\n\n\n<li>conserver ses investissements sur le long terme (plus de 10 ans)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#feffd1\" class=\"has-inline-color\">Chaque commission \u00e9conomis\u00e9e aujourd&#8217;hui peut repr\u00e9senter des milliers de francs suppl\u00e9mentaires dans ta poche dans 20 ans.<\/mark><\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6abc7b4e272e6&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6abc7b4e272e6\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"843\" height=\"1264\" data-attachment-id=\"29987\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a67003ab5922\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?fit=843%2C1264&amp;ssl=1\" data-orig-size=\"843,1264\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"aa\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?fit=400%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?resize=843%2C1264&#038;ssl=1\" alt=\"comment r\u00e9duire les frais en bourse - Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains\" class=\"wp-image-29987\" style=\"aspect-ratio:0.6745362563237775;width:522px;height:auto\" title=\"aa\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?w=843&amp;ssl=1 843w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?resize=200%2C300&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?resize=400%2C600&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?resize=768%2C1152&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67003ab5922.png?resize=600%2C900&amp;ssl=1 600w\" sizes=\"auto, (max-width: 843px) 100vw, 843px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\">Conclusion <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais sont souvent invisibles, mais ils font partie des crit\u00e8res les plus importants lorsqu&#8217;on investit en bourse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour maximiser tes rendements, retiens ces quatre r\u00e8gles essentielles :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>choisis un ETF avec une TER faible (id\u00e9alement moins de 0,20%) ;<\/strong><\/li>\n\n\n\n<li><strong>utilise un courtier aux commissions comp\u00e9titives<\/strong><\/li>\n\n\n\n<li><strong>\u00e9vite les transactions inutiles<\/strong><\/li>\n\n\n\n<li><strong>laisse le temps aux int\u00e9r\u00eats compos\u00e9s faire leur travail (conserver ton placement sur le long terme).<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#feffe0\" class=\"has-inline-color\">Un rendement \u00e9lev\u00e9 est une excellente chose\u2026 mais conserver une plus grande partie de ce rendement est encore plus important.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur 20, 30 ou 40 ans, quelques dixi\u00e8mes de pourcentage de frais peuvent repr\u00e9senter <strong>des milliers, voire des dizaines de milliers de francs<\/strong>. Choisir des frais faibles est donc l&#8217;une des d\u00e9cisions les plus rentables qu&#8217;un investisseur puisse prendre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Commissions_en_bourse_le_cout_cache_qui_reduit_tes_gains\"><\/span>FAQ : Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_commissions_sont-elles_importantes_en_bourse\"><\/span>Pourquoi les commissions sont-elles importantes en bourse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les commissions r\u00e9duisent directement le rendement de tes investissements. M\u00eame si elles paraissent faibles, elles s&#8217;accumulent ann\u00e9e apr\u00e8s ann\u00e9e et peuvent repr\u00e9senter plusieurs milliers de francs de perdu sur le long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_TER_dun_ETF\"><\/span>Qu&#8217;est-ce que la TER d&#8217;un ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La TER (Total Expense Ratio) correspond aux frais de gestion annuels d&#8217;un ETF. Ces frais sont automatiquement d\u00e9duits de la performance du fonds. Plus la TER est faible, plus tu conserves une grande partie de tes gains.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Quelle_TER_choisir_pour_un_ETF\"><\/span>Quelle TER choisir pour un ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investissement passif, il est g\u00e9n\u00e9ralement recommand\u00e9 de privil\u00e9gier les ETF dont la TER est inf\u00e9rieure \u00e0 <strong>0,20 %<\/strong>. Des frais de gestion faibles permettent d&#8217;am\u00e9liorer les performances sur plusieurs d\u00e9cennies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_frais_dun_compte_boursier\"><\/span>Quels sont les frais d&#8217;un compte boursier ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte boursier peut facturer plusieurs types de frais : les commissions d&#8217;achat et de vente, les frais de change, les frais de garde, les frais d&#8217;inactivit\u00e9 ou encore certaines commissions sur les dividendes. Il est pr\u00e9f\u00e9rable de choisir un courtier qui limite ces co\u00fbts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"Comment_choisir_un_compte_boursier_bon_marche\"><\/span>Comment choisir un compte boursier bon march\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un bon compte boursier propose des commissions faibles, des frais de change comp\u00e9titifs et aucun frais cach\u00e9. Comparer ces diff\u00e9rents co\u00fbts permet d&#8217;\u00e9conomiser plusieurs milliers de francs sur le long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"Les_frais_de_courtage_ont-ils_un_reel_impact_sur_les_performances\"><\/span>Les frais de courtage ont-ils un r\u00e9el impact sur les performances ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Une diff\u00e9rence de quelques francs par transaction peut sembler n\u00e9gligeable, mais r\u00e9p\u00e9t\u00e9e chaque mois pendant 20 ou 30 ans, elle r\u00e9duit significativement la valeur finale de ton portefeuille gr\u00e2ce \u00e0 l&#8217;effet des int\u00e9r\u00eats compos\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Les_frais_dun_pilier_3a_sont-ils_importants\"><\/span>Les frais d&#8217;un pilier 3a sont-ils importants ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Absolument. Dans un pilier 3a investi en bourse, une diff\u00e9rence de seulement 1 % de frais annuels peut repr\u00e9senter plusieurs dizaines de milliers de francs \u00e0 la retraite. Choisir un 3a avec des frais faibles est donc essentiel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"Comment_reduire_les_frais_lorsque_lon_investit_en_bourse\"><\/span>Comment r\u00e9duire les frais lorsque l&#8217;on investit en bourse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour limiter les frais, privil\u00e9gie des ETF \u00e0 faible TER, choisis un courtier aux commissions r\u00e9duites, \u00e9vite les frais cach\u00e9s et conserve tes investissements sur le long terme. Ces bonnes habitudes permettent de maximiser ton patrimoine au fil des ann\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"Commissions_en_bourse_le_cout_cache_qui_reduit_tes_gains\"><\/span>Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=3475\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/\">Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/consommation-essentielle-vs-consommation-pas-essentielle\/\">Consommation essentielle VS Consommation pas essentielle<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Le but de ce blog?<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Le but de blog est s&#8217;entraider \u00e0 mener une vie plus simple, ne garder que l&#8217;essentiel et gagner de l&#8217;argent.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-30 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise<\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise (affiliation)<\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h6>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-31\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">j&#8217;adopte un style de vie minimaliste pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"Commissions_en_bourse_le_cout_cache_qui_reduit_tes_gains-2\"><\/span>Commissions en bourse : le co\u00fbt cach\u00e9 qui r\u00e9duit tes gains<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-33 wp-block-paragraph\">L&#8217;impact des commissions dans un investissement boursier<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stock market commissions may seem insignificant\u2026 yet they can cost you thousands, even tens of thousands of francs in the long run. Discover how to reduce your fees and maximize your investment returns.<\/p>","protected":false},"author":215552267,"featured_media":29997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":29999,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728544408,728543999,728545692,728544722,728545654,728544746,728545693,728544347,728544209,728545658,728544573,728545077,728545694,728544413,728545669],"class_list":["post-3475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-commissions-en-bourse","tag-compte-boursier","tag-courtier-en-ligne","tag-etf-suisse","tag-frais-de-courtage","tag-frais-de-gestion-etf","tag-frais-etf","tag-interets-composes","tag-investir-en-bourse","tag-investissement-etf","tag-investissement-passif","tag-pilier-3a","tag-reduire-les-frais","tag-rendement-boursier","tag-ter-etf"],"yoast_head":"<!-- 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