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La Facture Fantôme: Les 10 pénalités économiques différées que personne ne vous a jamais envoyées
Paperback
Business GeneralInvesting & FinanceManagement
Publisher: Independently Published
Published: Jun 8 2026
Pages: 90
Weight: 0.29
Height: 0.19 Width: 6.00 Depth: 9.00
Language: French
Personne ne vous l'enverra jamais. Vous la paierez quand même.
Frédéric Wetta a passé 26 ans dans l'industrie, fraisage, électroérosion, contrôle qualité, avant de devenir conseiller en investissements financiers indépendant. Dans son atelier, une pièce hors tolérance partait au rebut immédiatement. En finance, il a découvert l'inverse: les erreurs ne se voient pas, ne font pas de bruit, et la facture arrive 10, 20 ou 30 ans plus tard.
Il a appelé ça l'Avis de Pénalité Économique Différée. Ce livre en recense dix, plus un dossier bonus.
Dix dossiers. Dix erreurs courantes. Dix chiffrages précis:
- Le Livret A qui endort l'épargne pendant des décennies
- L'assurance vie bancaire qui mange le rendement en silence
- Les frais de gestion, d'arbitrage et d'unités de compte que personne ne lit
- Les produits fiscaux qui coûtent plus qu'ils ne rapportent
- Les SCPI, l'immobilier locatif et les placements miracles
- Le PEA et les ETF, ce qu'ils changent réellement sur trente ans
- La fiscalité que personne n'anticipe
- Et le piège le plus courant de tous: ne rien faire
Pour chaque dossier: la croyance qui semble du bon sens, pourquoi elle paraît juste, pourquoi elle est fausse, un cas réel chiffré, et la solution concrète.
Pas de jargon. Pas de théorie. Des chiffres, des calculs, des faits. Comme un rapport de contrôle qualité on mesure, on compare, on conclut.
Ce livre n'est pas pour les experts des marchés. Il est pour Jean-Pierre qui a tout sur son Livret A. Pour Michel qui verse depuis 22 ans sans savoir ce que ça coûte. Pour vous, si vous n'avez jamais vraiment regardé vos frais.
Sur le prix. Le format broché est vendu au tarif le plus bas que permet la plateforme: après coût d'impression, la redevance versée à l'auteur est de zéro euro. Ce livre n'a pas été écrit pour rapporter de l'argent, mais pour que l'information circule.
Frédéric Wetta est Conseiller en Investissements Financiers indépendant, fondateur de Wetta Wealth Patrimoine. Zéro rétrocommission. Des honoraires, point.
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