2023-11-18 10:54:02
Published on Nov 18, 2023 at 9:54 a.m.
Firstly, a wide enough range of investments to diversify your investments, between the risk-free euro fund and more dynamic units of account (stock market, real estate, etc.). The contracts of online brokers and banks offer more varied and efficient funds than the “in-house” products of the major networks. The euro fund of the Mutuelle d’Ivry Fraternelle (MIF) in the MIF PER Retraite, and that of the Union Mutualiste Retraite (UMR) in the PER Placement-direct Retraite ISR, thus reported respectively 2.2% and 2 .7% in 2022, better than average.
Secondly, the lowest possible fees, i.e. zero fees on payments, less than 0.8% contract management fees, and if possible units of account with less than 0.5% fees. annual, such as ETFs (Exchange Traded Funds) indexed to major stock market indices (CAC 40 for France, S&P 500 for the USA, etc.).
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