{"id":728,"date":"2026-10-29T00:04:55","date_gmt":"2026-10-29T04:04:55","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=728"},"modified":"2026-10-29T00:04:55","modified_gmt":"2026-10-29T00:04:55","slug":"the-hidden-cost-of-fees-small-percentages-big-differences","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/the-hidden-cost-of-fees-small-percentages-big-differences\/","title":{"rendered":"Le co\u00fbt cach\u00e9 des frais\u00a0: de petits pourcentages, de grandes diff\u00e9rences"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"728\" class=\"elementor elementor-728\">\n\t\t\t\t<section class=\"elementor-element elementor-element-c8492f9 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"c8492f9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c8492f9\">\n    <div class=\"elementor-element elementor-element-bbc3a10 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"bbc3a10\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bbc3a10\">\n    <article class=\"elementor-element elementor-element-104aa7f e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"104aa7f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"104aa7f\">\n    <div class=\"elementor-element elementor-element-6bd110c e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"6bd110c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6bd110c\">\n    <div class=\"elementor-element elementor-element-1a647f6 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"1a647f6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1a647f6\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"5c88f34\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"80945c4\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"317d268\">\n\tGestion de patrimoine\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-cbd315a e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"cbd315a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cbd315a\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"0a2dbbf\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"9a5c328\">Article 5 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"39e6ad9\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"22ffeeb\" class=\"title-lg e-heading-base e-default-h1\">Le co\u00fbt cach\u00e9 des frais\u00a0: de petits pourcentages, de grandes diff\u00e9rences<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"db15294\" id=\"28\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49.webp 1600w\" alt=\"Illustration for the article: What Is Borrowing? The Basics Explained\"\/>\t\t<div class=\"elementor-element elementor-element-fdd09cd e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"fdd09cd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fdd09cd\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"a34d8f4\">Vous ne pouvez pas contr\u00f4ler les march\u00e9s, mais vous pouvez contr\u00f4ler vos frais. Ces derniers r\u00e9duisent discr\u00e8tement vos rendements chaque ann\u00e9e, et leurs effets se cumulent comme pour vos investissements, mais \u00e0 votre d\u00e9triment.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"daa3600\" class=\"prose-heading e-heading-base e-default-h2\">Frais courants<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-e8c0531 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"e8c0531\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e8c0531\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"fb91872\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"75c2b6e\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"86d9886\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-934c34d e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"934c34d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"934c34d\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"d86121b\">\n\tChoisissez Premium\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"5066a7d\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-06f012c e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"06f012c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"06f012c\">\n    <a class=\"elementor-element elementor-element-33c1cb5 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"33c1cb5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"33c1cb5\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/diversification-and-asset-allocation-dont-put-all-your-eggs-in-one-basket\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"0847d66\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"63ebc1c\">Diversification et r\u00e9partition des actifs\u00a0: ne mettez pas tous vos \u0153ufs dans le m\u00eame panier.<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-c569947 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"c569947\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c569947\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/staying-the-course-volatility-emotions-and-dollar-cost-averaging\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"f3d57ac\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"5b69b0b\">Maintenir le cap\u00a0: volatilit\u00e9, \u00e9motions et moyenne des co\u00fbts en dollars<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-706acce e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"706acce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"706acce\">\n    <div class=\"elementor-element elementor-element-f782cfc e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"f782cfc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f782cfc\">\n    <div class=\"elementor-element elementor-element-f6f1259 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"f6f1259\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f6f1259\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"13efad9\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"ac0a0aa\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-236f558 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"236f558\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"236f558\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/what-is-wealth-management-wealth-vs-income-explained\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b240c02\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"a35643d\">Qu\u2019est-ce que la gestion de patrimoine\u00a0? Explication de la diff\u00e9rence entre patrimoine et revenus.<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-8b84447 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8b84447\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8b84447\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/investing-basics-stocks-bonds-gics-mutual-funds-and-etfs\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"7c35973\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"6e54eb1\">Principes de base de l&#039;investissement\u00a0: actions, obligations, CPG, fonds communs de placement et FNB<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-6b11cd4 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"6b11cd4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6b11cd4\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/risk-and-return-how-much-risk-is-right-for-you\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"5c77262\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"16fce34\">Risque et rendement\u00a0: quel niveau de risque vous convient\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-8641862 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8641862\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8641862\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/diversification-and-asset-allocation-dont-put-all-your-eggs-in-one-basket\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"69c0138\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ea1d955\">Diversification et r\u00e9partition des actifs\u00a0: ne mettez pas tous vos \u0153ufs dans le m\u00eame panier.<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f7ab2ec e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f7ab2ec\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f7ab2ec\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/the-hidden-cost-of-fees-small-percentages-big-differences\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c97d8dd\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"db47c11\">Le co\u00fbt cach\u00e9 des frais\u00a0: de petits pourcentages, de grandes diff\u00e9rences<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-21c6d78 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"21c6d78\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"21c6d78\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/staying-the-course-volatility-emotions-and-dollar-cost-averaging\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c9ff274\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"557966a\">Maintenir le cap\u00a0: volatilit\u00e9, \u00e9motions et moyenne des co\u00fbts en dollars<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f924827 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f924827\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f924827\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/inflation-the-silent-thief-of-your-savings\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c0ab82c\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9a944ff\">L&#039;inflation : le voleur silencieux de vos \u00e9conomies<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-93bffc3 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"93bffc3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"93bffc3\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/real-estate-and-wealth-owning-renting-and-investing\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6834cee\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"5eaa670\">Immobilier et patrimoine : poss\u00e9der, louer et investir<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-b7e8c37 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b7e8c37\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b7e8c37\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/newcomers-building-wealth-in-your-new-country\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"bd9aa2c\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"814d856\">Nouveaux arrivants\u00a0: se constituer un patrimoine dans son nouveau pays<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0f2c69b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0f2c69b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0f2c69b\" href=\"https:\/\/gmat40.com\/fr\/topics\/wealth-management\/choosing-a-financial-advisor-and-spotting-investment-scams\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0add9b1\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d550292\">Choisir un conseiller financier et rep\u00e9rer les arnaques \u00e0 l&#039;investissement<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"f6fcee9\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Wealth Management Premium Article 5 of 10 2 min read The Hidden Cost of Fees: Small Percentages, Big [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":723,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-728","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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