Mon Top 5 des meilleurs ETF en 2026 ! (à garder toute sa vie)

Finance-focused summary (key takeaways)

The speaker presents “5 ETFs to keep for life”—generally holding indefinitely and selling only if you want to realize capital gains. They emphasize ETF mechanics, particularly index “self-cleaning” (automatic replacement of declining companies). The argument is that passive, broad market exposure typically outperforms most active managers over long horizons.

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Instruments / tickers / funds mentioned

Equity index funds / ETFs

• Vanguard 500 Index Fund

  • Tracks the S&P 500 (“500 companies”)
  • First created in 1976

• SPDR MSCI All Country World Investable Market (SPDR All Country World)

  • Mentions more than 8000 companies across developed + emerging markets (including small-cap)
  • Example holdings cited: Nvidia, Apple, Microsoft, Amazon, Nestlé, Samsung
  • Fee: 0.17%
  • AUM: a little over €7B
  • Tilt mentioned: 62% US and 30% tech

• Vanguard FTSE Global All Cap

  • Presented as a competitor (noted as introduced around Aug 2026)
  • Mentions ~10,000 companies
  • Fee: 0.07%
  • Notes it’s newer; tracking/replication quality must be assessed over time

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Target-date / balanced multi-asset

• High Shares Life Pass Target Date 2070
  • Target date: 2070 (described as over 40 years away at the time)
  • Initial allocation: mostly equities (large + small caps; developed + emerging)
  • Small allocation to:
    • US Treasury bonds
    • listed real estate companies (small allocation)
  • Uses a “fund of funds” approach, holding 6–8 other ETFs inside the wrapper
  • Total fees: 0.12% per year
    • Described as all-inclusive
    • Notes 0% management fee at the fund level (only underlying ETF fees)
  • Availability/distribution caveat:
    • Available in the United States in direct format (unless via certain Luxembourg life insurance structures)
  • Not UCITS, so not marketable in Europe/France via a standard securities account

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Passive global equity (PEA eligibility emphasized)

• MSCI World

  • Described as a benchmark: ~1400 companies across 23 developed countries
  • Explicit exclusions:
    • no emerging markets
    • no small caps

• Amundi PEA World (implementation example for MSCI World in a PEA wrapper)

  • Created March 2025
  • AUM: €1.4B
  • Fee: 0.2%
  • Tax angle (PEA):
    • After 5 years, capital gains are exempt from income tax upon withdrawal (speaker implies improved net outcome)

• Amundi PEA Global

  • Very recent; exists since July 2026
  • Tracks MSCI ACWI (MSCI World + MSCI Emerging Markets)
  • Covers about 85% of global market cap
  • Mentions ~2500 stocks
  • Fee: 0.3%
  • Caveat: very young fund; replication quality still unproven

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“Other asset classes” (ETCs/ETNs; gold & crypto)

• Amundi Physical Gold (example of gold exposure)

  • AUM: €13B
  • Fee: 0.12%

• Crypto exposure (ETN/ETC structure)

  • Example issuer: 21Shares
    • 100% crypto ETNs backed by crypto
  • Mentions OldX (basket of top 10 cryptos)
  • Fee: 0.49%
  • Characteristics:
    • 100% collateralized
    • basket management
  • Allocation concentration mentioned:
    • 71% Bitcoin
    • 14% Ethereum
    • Together ~85% of product value
  • Basket described as adaptable so top cryptos can change over 30–50 years (conceptually “rebalanced” to align with the largest capitalizations)

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Key numbers and performance metrics mentioned

• Vanguard 500 Index Fund (S&P 500)

  • Annualized performance: 11.72% per year since 1976
  • “Doubles approximately every 6 years”
  • €1000 since creation → “nearly €255,000 today” (as stated)

• SPDR MSCI ACWI Investable (SPDR All Country World)

  • Fee: 0.17%
  • AUM: ~€7B+
  • Tilt: 62% US and 30% tech
  • “More than 8000 companies”

• Vanguard FTSE Global All Cap

  • Fee: 0.07%
  • ~10,000 companies
  • Competition timeframe: “since Aug 2026”

• High Shares Life Pass Target Date 2070

  • Total fee: 0.12%
  • Time horizon: >40 years to 2070

• Amundi PEA World

  • Fee: 0.2%
  • AUM: €1.4B
  • Created March 2025

• Amundi PEA Global

  • Fee: 0.3%
  • Since July 2026
  • ~2500 stocks
  • Covers about 85% of global market cap

• Gold (Amundi Physical Gold)

  • Fee: 0.12%
  • AUM: €13B

• Crypto basket (21Shares OldX)

  • Fee: 0.49%
  • Current composition: 71% BTC, 14% ETH (total 85% concentration)

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Methodology / framework referenced

ETF selection criteria (high-level)

Consider:

• Replicated index
• PEA eligibility (for French investors)
• Issuer
• Quality of replication (tracking)
• Dividend distribution policy

Long-term relevance framework (staying relevant for 50 years)

• Eliminate thematic ETFs (e.g., AI-themed), since they may become outdated over decades.
• Prefer broad market exposure that can adapt automatically.

Index “self-cleaning” / index methodology described

When using an ETF on an index:

• The ETF removes declining companies and adds growing companies as the index changes,
• Automatically maintaining “cutting edge” market exposure without manually rebalancing individual constituents.

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Explicit recommendations / cautions / limitations

• Recommendation: Prefer broad, passive ETFs that can be held for life; sell only to realize gains.
• Caution about thematic ETFs: likely to lose relevance over a 50-year horizon.
• Diversification cautions:
  • Even broad ETFs can have significant concentration by geography/sector (example: SPDR All Country World has 62% US and 30% tech).
  • Using only a small number of ETFs (e.g., 7 ETFs) can still leave the portfolio 100% in stocks, which may not be sufficiently diversified across asset classes.
• Caution about real estate classification:
  • The target-date fund treats listed real estate as defensive/yield-like, but the speaker disputes it:
    • real estate fell strongly in 2008
    • also declined more than average stock performance in 2020 (as stated)
• Distribution/eligibility caveats (France/EU):
  • High Shares Life Pass Target Date 2070 is not UCITS and isn’t available in Europe via a normal securities account (unless through specific Luxembourg life insurance access).
  • Some ETFs may not be available through certain wrappers:
    • the speaker says SPDR All Country World is not PEA-eligible and is “almost never” used in life insurance
• Crypto caution / risk disclosure:
  • ETFs/ETCs/ETNs can fall sharply.
  • Crypto exposures are described as particularly dangerous / high risk.
• Not investment advice:
  • The speaker states the video is educational and advises viewers not to add products unless they understand exposure and suitability.

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Disclosures / disclaimers

• “This video is really for educational purposes.”
• “Do not put these ETFs in your portfolio if you do not know what they really do … suitable for your profile, time horizon, and risk tolerance.”
• “Investing involves risks and especially in crypto assets … can be dangerous.”
• Mentions a training resource (free), but no additional explicit regulatory “not financial advice” language is shown beyond educational/risk cautions.

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Presenters / sources mentioned

• Mathieu from the Saintast channel (final signature)
• SPIVA study (referenced for active manager underperformance)
• State Street (issuer behind the SPDR fund)
• BlackRock (behind the target-date fund)
• Vanguard (Vanguard S&P 500 fund; Vanguard FTSE Global All Cap)
• Amundi (Amundi PEA World, Amundi PEA Global, Amundi Physical Gold)
• 21Shares (crypto ETN issuer example)