“Are investment fund fees really bad for savers? »

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The fees charged by investment funds must be carefully considered when subscribing: they may affect the performance of your funds’ investments in the long run.
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In the section dedicated to UCITS (including investment funds such as Sicav and FCP as well as ETFs), we often highlight the high fees that are often attached to the funds. Although they may seem painless at first glance, their impact on yield is real, As the AMF clearly explains here.

Fortunately, the French financial police teach us in his way: Savings Observatory Letter for Aprilin recent years they still tend to moderate. So, “In 2023, annual fees (excluding incidental fees) for all French UCIs open to the public will generally average 1.15%, compared to 1.18% in 2022 and 1.25% in 2021.”

Lower fees and unmatched ETFs

For equity funds, the average rate rose from 1.51% in 2021 to 1.42% in 2022, and then to 1.35% last year. The trend in favor of savers is also evident over a longer period: from 2010 to 2023, “As a result, the average annual fee for French equity funds has risen from 2.3% to 1.5%” Diversified funds rose to 1.4% from 2.1%.

But it should be noted that ETF Fees By 2023, fees for French stocks will be significantly lower, averaging just 0.37%.

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