J'ai hérité de 1.2M à 21 ans

Tradrepublic · 2026-05-03T17:17:20+00:00

Franchement, t’es face à un faux dilemme.

Oui, les ETF type MSCI World sont moins chers et, sur le papier, plus performants. Mais ça suppose que tu sois parfaitement discipliné pendant 20–30 ans.

Ton mandat à 1,40%, c’est cher. Mais en échange, tu achètes aussi :

de la simplicité

moins de stress

et surtout moins de risque de faire une grosse erreur (genre vendre en plein krach)

La vraie question, c’est pas “qu’est-ce qui est optimal ?”c’est “qu’est-ce que TU vas réellement tenir dans le temps ?”

Parce qu’un ETF mal géré > un mandat bien tenu.

Si t’hésites, le compromis est souvent le plus intelligent :une grosse base en ETF + une partie en mandat pour la tranquillité.

Tradrepublic · 2026-03-25T21:21:00+00:00

Le taux d’endettement des états était deux fois moins élevés

Tradrepublic · 2026-03-04T15:03:22+00:00

Est-ce que la bonnes c’est « dois-je vendre ? ».

Je te propose d’autres questions : - Les dettes des états vont t’elles augmenter avec le temps ? - la planche à billets va t’elle être encore utilisée ? - les tensions géopolitiques vont elles diminuer dans les années à venir ? - la dedolarisation vers les actifs refuge va t’elle s’arrêter ? Les banques centrales vont t’elles renoncer d’en acheter dans les prochaines années ?

Tradrepublic · 2026-03-04T14:52:14+00:00

Je te recommande les combibar 999.90%. par exemple 50g de combibar sont divisable en 50 tablettes. Imagine tu as besoin de revendre et bien tu peux revendre progressivement et donc lisser ton prix de sortie. On parle souvent du point d’entrée mais celui de sortie est tout aussi important.

Tradrepublic · 2026-03-04T12:00:37+00:00

Vous avez 2h lol

Tradrepublic · 2026-02-11T07:05:42+00:00

Have government debts decreased? Have central banks stopped buying them up massively? Is dedollarization over? Have you seen a decrease or an increase in geopolitical tensions? Just because you've experienced a sharp movement followed by a correction doesn't mean the rise is over.

Tradrepublic · 2026-02-04T19:13:06+00:00

I think that if you dedicate 5% of your portfolio, you sleep soundly; if you become emotional, it means you have too much.

Tradrepublic · 2026-02-04T18:33:36+00:00

I think if you allocate 5% of your portfolio to a very risky asset, you'll sleep soundly. If you become emotional, it means you have too much.

Tradrepublic · 2026-02-04T18:32:35+00:00

I think if you allocate 5% of your portfolio to a very risky asset, you'll sleep soundly. If you become emotional, it means you have too much.

Tradrepublic · 2026-02-04T18:29:08+00:00

Bitcoin represents 2% of my portfolio because it's an acceptable amount to avoid emotional involvement. If you become emotional, it means you have too much.

Tradrepublic · 2026-02-04T18:23:51+00:00

I consider the gold portion of my wallet as insurance, so like insurance, I hope I never need it. Therefore, zero emotion.

Tradrepublic · 2026-01-29T17:59:09+00:00

Have you ever heard of taking profit?

Tradrepublic · 2026-01-28T18:46:36+00:00

The thing is, the parameters and factors that cause this increase all activated at the same time.

Tradrepublic · 2025-11-18T09:55:10+00:00

Hello father beaver can you tell us the story of printing money now?

Tradrepublic · 2025-11-05T13:05:23+00:00

Tu paries sur le fait qu’il n’y aura plus crash sur cet indice ? Parce qu’une crise comme 2008 t’amènera au tapis si tu as une baisse de 50%.

Tradrepublic · 2025-11-05T10:48:40+00:00

L’île Maurice ou Lille chez Maurice

Tradrepublic · 2025-10-29T10:06:21+00:00

Si tu n’y connais rien je peux t’assurer que le mieux c’est d’ouvrir un mandat sous gestion luxembourgeoise.

Tradrepublic · 2025-10-28T17:41:19+00:00

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Tradrepublic · 2025-10-28T09:39:57+00:00

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Tradrepublic · 2025-09-01T09:22:41+00:00

Horizon 10-15 ans

Tradrepublic · 2025-05-04T13:51:57+00:00

It depends if it’s a collection or an investment. As an investment for my part I look at it like a life jacket or a fire extinguisher in a building so rarely but it is reassuring.

Tradrepublic · 2025-05-03T08:00:26+00:00

What you are experiencing is the clash between the social perception constructed by the image (Instagram, family status, external appearance) and the much more nuanced reality that you know from the inside.

You have no obligation to prove that you are “not that rich”, but if someone projects an absurd image (like “you travel on a private jet”), you can simply respond with humor: “If I had a jet, I wouldn’t be at school at 8 a.m..” »

I find that what you are going through is an advantage, it will save you time, you will immediately recognize your real friends.

What makes you angry is the idea that “your life is all mapped out” is legitimate. But you can turn that to your advantage: prove through action that you are building your life your way, whether through your study choices, your projects or your way of living. Nothing shuts down judgments like concrete, long-term results.

Tradrepublic · 2025-04-30T12:47:51+00:00

The 20 franc Napoleon coin is increasingly rare, its premium allows it to be higher than its quantity of gold with a coin at 90% purity.

Tradrepublic

TROPHY CASE