Sur une période de 15 ans, l'Amundi EUR Overnight Return a généré un capital net d'environ 56 203 €, tandis que le Livret Jeune a affiché une performance inférieure, avec un écart d'environ 3 880 €. Cette comparaison met en évidence la différence de rendement entre ces deux options d'investissement.
Dans votre simulation sur 15 ans, Amundi EUR Overnight Return est le produit qui obtient le capital net projeté le plus élevé. L'écart de capital net estimé par rapport au produit le moins performant est d'environ 3 880 €. Ces résultats restent des projections, non garanties, basées sur les hypothèses actuelles (rendements, frais et fiscalité).
Avec un montant initial d'environ 10 000 € et des versements mensuels d'environ 200 €, la simulation montre que Amundi EUR Overnight Return génère les revenus nets les plus élevés sur la période. Les revenus nets projetés restent proches entre les produits comparés dans ce scénario. Ces chiffres tiennent compte de votre fiscalité simulée (TMI ≈ 0 % et taux moyen ≈ 0 %), sans constituer une garantie de rendement.
La fiscalité a un impact direct sur les revenus et le capital net projetés. Dans votre simulation, nous appliquons un TMI d'environ 0 % et un taux moyen d'imposition proche de 0 % sur les revenus. Cela réduit les revenus bruts attendus, mais permet de comparer les produits sur une base nette cohérente. Les résultats restent indicatifs : votre situation fiscale réelle peut évoluer dans le temps.
Dans votre simulation, le réinvestissement des revenus est activé. Cela signifie que les revenus générés par les produits (intérêts, dividendes, loyers) sont réinjectés dans le capital, ce qui augmente progressivement la base investie. À long terme, cela peut amplifier la différence de capital net entre les produits, notamment pour ceux qui distribuent régulièrement des revenus.
Chaque produit se voit attribuer un niveau de risque (par exemple sur l'échelle AMF de 1 à 7, lorsque l'information est disponible). Un niveau de risque plus élevé reflète généralement une plus grande sensibilité aux variations de marché, en échange d'un potentiel de rendement plus important. Votre simulation ne constitue pas un conseil personnalisé : elle met simplement en perspective le couple risque / rendement des produits que vous avez sélectionnés.
Les principaux frais intégrés dans votre simulation sont notamment : frais d'entrée, frais annuels de gestion, et, le cas échéant, frais liés au support ou à la structure du produit. Ces frais réduisent la performance brute et expliquent en partie les écarts de capital net projeté entre les produits. Il est important de consulter la documentation de chaque produit pour connaître la structure de frais exacte.
La durée de votre investissement (15 ans dans cette simulation) influence fortement les résultats. Sur un horizon plus long, l'effet des intérêts composés et des revalorisations éventuelles devient plus marqué, ce qui peut accentuer les écarts entre les produits. Inversement, sur une durée plus courte, les différences de performance peuvent être moins visibles et les frais initiaux peser davantage.
Non. Les résultats affichés correspondent à un scénario de projection basé sur des hypothèses de rendement, de frais et de fiscalité à un instant donné. Ils ne constituent pas une garantie de performance future et ne remplacent pas un conseil personnalisé. Les marchés financiers, la fiscalité et les caractéristiques des produits peuvent évoluer dans le temps.
Vous pouvez principalement comparer : (1) le capital net projeté à l'échéance, (2) le niveau de revenus nets annuels ou mensuels, (3) le niveau de risque associé à chaque produit, (4) la structure de frais (entrée, gestion, éventuels frais de sortie). La simulation PREVEST a pour objectif de rendre cette lecture plus claire et plus pédagogique.
Des versements mensuels plus élevés augmentent mécaniquement le capital investi au fil du temps et peuvent accentuer les écarts de performance entre les produits. À l’inverse, des versements plus faibles réduisent l’effort d’épargne mais limitent aussi le capital net projeté à terme. Vous pouvez modifier ce paramètre dans le panneau de configuration et relancer une simulation pour visualiser ces effets.
Même au sein d'une même famille de produits, des différences existent : niveau de frais, rendement brut cible, politique de distribution ou de revalorisation, niveau de risque, et fiscalité applicable. C'est la combinaison de ces paramètres qui explique les écarts de capital net et de revenus projetés entre les produits que vous avez sélectionnés.
Oui. Vous pouvez ajuster à tout moment le montant initial, les versements, la durée, la fiscalité simulée et le réinvestissement des revenus. Le panneau flottant en bas de page vous permet de mettre à jour ces paramètres et de relancer une nouvelle simulation personnalisée.
inputs = {"products":["etf-amundi-eur-overnight-return-ucits-etf-acc","livret-jeune"],"initial_amount":10000,"duration_years":15,"monthly_contribution":200,"reinvest_dividends":true,"fiscality":{"tmi":0,"avg":0},"vehicle":"Direct","locale":"fr","fiscality_enabled":false,"fiscality_mode":"tmi","profile":"Particulier"}
products = [{"slug":"etf-amundi-eur-overnight-return-ucits-etf-acc","label":"Amundi EUR Overnight Return","family":"etf","risk_amf":1,"projection":[{"year":1,"capital_gross":12642.859165717722,"capital_net":12642.859165717722,"income_gross":0,"income_net":0},{"year":2,"capital_gross":15342.539803498381,"capital_net":15342.539803498381,"income_gross":0,"income_net":0},{"year":3,"capital_gross":18100.263574991328,"capital_net":18100.263574991328,"income_gross":0,"income_net":0},{"year":4,"capital_gross":20917.27840757137,"capital_net":20917.27840757137,"income_gross":0,"income_net":0},{"year":5,"capital_gross":23794.859059051894,"capital_net":23794.859059051894,"income_gross":0,"income_net":0},{"year":6,"capital_gross":26734.307694539242,"capital_net":26734.307694539242,"income_gross":0,"income_net":0},{"year":7,"capital_gross":29736.954475689578,"capital_net":29736.954475689578,"income_gross":0,"income_net":0},{"year":8,"capital_gross":32804.158162634645,"capital_net":32804.158162634645,"income_gross":0,"income_net":0},{"year":9,"capital_gross":35937.30672884904,"capital_net":35937.30672884904,"income_gross":0,"income_net":0},{"year":10,"capital_gross":39137.81798923704,"capital_net":39137.81798923704,"income_gross":0,"income_net":0},{"year":11,"capital_gross":42407.14024172339,"capital_net":42407.14024172339,"income_gross":0,"income_net":0},{"year":12,"capital_gross":45746.752922638196,"capital_net":45746.752922638196,"income_gross":0,"income_net":0},{"year":13,"capital_gross":49158.167276192675,"capital_net":49158.167276192675,"income_gross":0,"income_net":0},{"year":14,"capital_gross":52642.92703834858,"capital_net":52642.92703834858,"income_gross":0,"income_net":0},{"year":15,"capital_gross":56202.60913539084,"capital_net":56202.60913539084,"income_gross":0,"income_net":0}],"capital_net":56202.60913539084,"revenue_net_annual":0,"taxes_on_exit_total":0,"details":{"expected_return":0.0225,"dividend_yield":0,"ter":0.001,"is_distributing":false,"distribution_policy":"capitalizing","applied_regime":"none","exit_tax_basis":10202.609135390841,"exit_tax_rate":0,"taxes_on_exit_total":0,"fiscality_model":"cto_pfu_2026_v1","income_net_cumulated":0,"income_gross_cumulated":0,"capital_before_exit_tax":56202.60913539084,"capital_after_exit_tax":56202.60913539084},"currency":"EUR","name":"Amundi EUR Overnight Return","short_description":"ETF monétaire exposé à un panier diversifié, en distribution.","long_description":"Cet ETF vise à reproduire la performance de son indice de référence. La classe d’actifs principale est monétaire. La politique de distribution est de distribution. Les frais courants (TER) sont indiqués à 0.1%. La performance observée sur la dernière année calendaire est de 2.25%. Les fonds monétaires peuvent offrir une volatilité plus faible mais restent sensibles aux taux. Les performances passées ne préjugent pas des performances futures.","liquidity_level":"high","kpis":{"entry_fee_pct":0,"ongoing_fee_pct":0.1,"income_start_delay_months":0,"income_distribution_ratio":0.5,"observed_return_prev_year_pct":2.25,"liquidity_label":"high","exit_delay_label":"high","liquidity":"Élevée","risk_amf":1},"source":{"publisher":"justetf","redirect_url":"https://www.justetf.com/fr/etf-profile.html?isin=FR0010510800#apercu","source_url":"screens://etf-amundi-eur-overnight-return-ucits-etf-acc/2026-01-28_etf_batch_top20_001_FR0010510800"},"tips":{"advantages":["Frais bas parmi les ETF."],"vigilances":["Capital non garanti (valeur variable)"],"ideal_if":["Si vous recherchez des frais contenus."],"avoid_if":[],"status":"ok","version":"v2","updated_at":"2026-03-25T14:19:26.844+00:00","display":{"advantages":["Frais bas parmi les ETF."],"vigilances":["Capital non garanti (valeur variable)"],"ideal_if":["Si vous recherchez des frais contenus."],"avoid_if":[]},"basics":{"advantages":["Frais bas parmi les ETF."],"vigilances":["Capital non garanti (valeur variable)"],"ideal_if":["Si vous recherchez des frais contenus."],"avoid_if":[]}},"risks":[{"risk_code":"capital_loss","title":"Risque de perte en capital","description_long":"Une baisse des marchés peut entraîner une diminution de la valeur investie.","family_key":"etf"},{"risk_code":"currency_risk","title":"Risque de change","description_long":"Pour les ETF exposés à des devises étrangères, les variations de change peuvent impacter la performance.","family_key":"etf"},{"risk_code":"market_risk","title":"Risque de marché","description_long":"La valeur d’un ETF fluctue en fonction de l’indice répliqué et des marchés financiers.","family_key":"etf"},{"risk_code":"tax_risk","title":"Risque fiscal","description_long":"Les plus-values et dividendes sont soumis à la fiscalité en vigueur (PFU ou barème progressif).","family_key":"etf"}],"total_invested":46000,"income_net_cumulated":0,"income_gross_cumulated":0,"taxes_on_income_total":0,"taxes_paid_total":0,"total_taxes":0,"estimated_value_net":56202.60913539084,"estimated_value":56202.60913539084,"final_value":56202.60913539084,"terminal_value":56202.60913539084,"estimated_value_label_context":"net","estimated_value_gross":56202.60913539084,"estimated_value_gross_bridge":56202.60913539084,"revenue_net_monthly":0,"monthly_income_net":0,"income_distributed_net_monthly":0,"income_distributed_net_annual":0,"annual_net_gain":0,"economic_gain_net":10202.609135390841,"economic_gain_gross":10202.609135390841,"economic_gain_total":10202.609135390841,"economic_gain_gross_bridge":10202.609135390841,"projection_canon":[{"year":1,"value":{"net":12642.859165717722,"gross_bridge":12642.859165717722},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":242.85916571772214,"gross_bridge":242.85916571772214},"taxes_if_sold":{"total":null}},{"year":2,"value":{"net":15342.539803498381,"gross_bridge":15342.539803498381},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":542.5398034983809,"gross_bridge":542.5398034983809},"taxes_if_sold":{"total":null}},{"year":3,"value":{"net":18100.263574991328,"gross_bridge":18100.263574991328},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":900.2635749913279,"gross_bridge":900.2635749913279},"taxes_if_sold":{"total":null}},{"year":4,"value":{"net":20917.27840757137,"gross_bridge":20917.27840757137},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":1317.2784075713716,"gross_bridge":1317.2784075713716},"taxes_if_sold":{"total":null}},{"year":5,"value":{"net":23794.859059051894,"gross_bridge":23794.859059051894},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":1794.8590590518943,"gross_bridge":1794.8590590518943},"taxes_if_sold":{"total":null}},{"year":6,"value":{"net":26734.307694539242,"gross_bridge":26734.307694539242},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":2334.307694539242,"gross_bridge":2334.307694539242},"taxes_if_sold":{"total":null}},{"year":7,"value":{"net":29736.954475689578,"gross_bridge":29736.954475689578},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":2936.9544756895775,"gross_bridge":2936.9544756895775},"taxes_if_sold":{"total":null}},{"year":8,"value":{"net":32804.158162634645,"gross_bridge":32804.158162634645},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":3604.158162634645,"gross_bridge":3604.158162634645},"taxes_if_sold":{"total":null}},{"year":9,"value":{"net":35937.30672884904,"gross_bridge":35937.30672884904},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":4337.306728849042,"gross_bridge":4337.306728849042},"taxes_if_sold":{"total":null}},{"year":10,"value":{"net":39137.81798923704,"gross_bridge":39137.81798923704},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":5137.817989237039,"gross_bridge":5137.817989237039},"taxes_if_sold":{"total":null}},{"year":11,"value":{"net":42407.14024172339,"gross_bridge":42407.14024172339},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":6007.140241723391,"gross_bridge":6007.140241723391},"taxes_if_sold":{"total":null}},{"year":12,"value":{"net":45746.752922638196,"gross_bridge":45746.752922638196},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":6946.752922638196,"gross_bridge":6946.752922638196},"taxes_if_sold":{"total":null}},{"year":13,"value":{"net":49158.167276192675,"gross_bridge":49158.167276192675},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":7958.167276192675,"gross_bridge":7958.167276192675},"taxes_if_sold":{"total":null}},{"year":14,"value":{"net":52642.92703834858,"gross_bridge":52642.92703834858},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":9042.927038348578,"gross_bridge":9042.927038348578},"taxes_if_sold":{"total":null}},{"year":15,"value":{"net":56202.60913539084,"gross_bridge":56202.60913539084},"income_flow":{"net_annual":0,"gross_annual":0},"gain":{"net":10202.609135390841,"gross_bridge":10202.609135390841},"taxes_if_sold":{"total":null}}],"family_label":"ETF","liquidity_label":"high","liquidity":{"title":"Élevée"},"fiscality_hypothesis_short":"Simulation hors fiscalité : les montants sont présentés avant impact fiscal.","risk_label":"Risque 1/7","fees_label":"entrée 0 % · courant 10 %","kind":"real","is_custom_reference":false,"source_url":"screens://etf-amundi-eur-overnight-return-ucits-etf-acc/2026-01-28_etf_batch_top20_001_FR0010510800","fiscality_debug":{"total_invested":46000,"taxes_on_income_total":0,"taxes_on_exit_total":0,"total_taxes":0,"estimated_value_net":56202.60913539084,"estimated_value_gross":56202.60913539084,"estimated_value_gross_bridge":56202.60913539084,"economic_gain_net":10202.609135390841,"economic_gain_gross":10202.609135390841,"economic_gain_gross_bridge":10202.609135390841,"invariant_ok":true}},{"slug":"livret-jeune","label":"Livret Jeune","family":"livret","risk_amf":1,"projection":[{"year":1,"capital_gross":12400,"capital_net":12569.5,"income_gross":169.5,"income_net":169.5},{"year":2,"capital_gross":14800,"capital_net":15175,"income_gross":205.5,"income_net":205.5},{"year":3,"capital_gross":17200,"capital_net":17816.5,"income_gross":241.5,"income_net":241.5},{"year":4,"capital_gross":19600,"capital_net":20494,"income_gross":277.5,"income_net":277.5},{"year":5,"capital_gross":22000,"capital_net":23207.5,"income_gross":313.5,"income_net":313.5},{"year":6,"capital_gross":24400,"capital_net":25957,"income_gross":349.5,"income_net":349.5},{"year":7,"capital_gross":26800,"capital_net":28742.5,"income_gross":385.5,"income_net":385.5},{"year":8,"capital_gross":29200,"capital_net":31564,"income_gross":421.5,"income_net":421.5},{"year":9,"capital_gross":31600,"capital_net":34421.5,"income_gross":457.5,"income_net":457.5},{"year":10,"capital_gross":34000,"capital_net":37315,"income_gross":493.5,"income_net":493.5},{"year":11,"capital_gross":36400,"capital_net":40244.5,"income_gross":529.5,"income_net":529.5},{"year":12,"capital_gross":38800,"capital_net":43210,"income_gross":565.5,"income_net":565.5},{"year":13,"capital_gross":41200,"capital_net":46211.5,"income_gross":601.5,"income_net":601.5},{"year":14,"capital_gross":43600,"capital_net":49249,"income_gross":637.5,"income_net":637.5},{"year":15,"capital_gross":46000,"capital_net":52322.5,"income_gross":673.5,"income_net":673.5}],"capital_net":52322.5,"revenue_net_annual":673.5,"details":{"rate":0.015,"tax_free":true,"applied_regime":"regulated_savings_tax_free","savings_tax_rate":0,"fiscality_model":"regulated_savings_fr_tax_exempt_v1","taxes_forced_to_zero":true,"income_net_cumulated":6322.5,"income_gross_cumulated":6322.5,"capital_before_exit_tax":52322.5,"capital_after_exit_tax":52322.5},"currency":"EUR","name":"Livret Jeune","short_description":"Livret d’épargne réglementé réservé aux jeunes, avec disponibilité immédiate et intérêts exonérés selon la réglementation.","long_description":"Le Livret Jeune est un livret d’épargne réglementé destiné aux jeunes répondant aux conditions d’âge définies par la réglementation. L’épargne est disponible à tout moment dans la limite d’un plafond fixé par les pouvoirs publics, pouvant être complété par des conditions propres à chaque établissement. Le taux de rémunération est au moins égal à celui du Livret A et peut varier selon les banques. Les intérêts sont calculés selon la règle de la quinzaine et crédités conformément aux modalités prévues. Les intérêts sont exonérés d’impôt sur le revenu et de prélèvements sociaux. Comme tout placement réglementé, ses caractéristiques peuvent évoluer.","liquidity_level":"high","kpis":{"yield_pct":1.5,"entry_fee_pct":0,"ongoing_fee_pct":0,"min_investment_eur":10,"income_start_delay_months":0,"income_distribution_ratio":1,"revaluation_potential_pct":0,"liquidity_label":"high","exit_delay_label":"high","liquidity":"Immédiate","risk_amf":1},"source":{"publisher":"lesclesdelabanque","redirect_url":"https://www.lesclesdelabanque.com/particulier/le-livret-jeune/","source_url":"screens://livret-jeune/2026-01-27_livret-jeune_001"},"tips":{"advantages":["Ticket d'entrée plutôt accessible parmi les livrets réglementés."],"vigilances":["Rendement plutôt inférieur à la moyenne des livrets réglementés."],"ideal_if":[],"avoid_if":["À éviter si vous recherchez avant tout un rendement élevé."],"status":"ok","version":"v2","updated_at":"2026-03-24T15:08:51.84+00:00","display":{"advantages":["Ticket d'entrée plutôt accessible parmi les livrets réglementés."],"vigilances":["Rendement plutôt inférieur à la moyenne des livrets réglementés."],"ideal_if":[],"avoid_if":["À éviter si vous recherchez avant tout un rendement élevé."]},"basics":{"advantages":["Ticket d'entrée plutôt accessible parmi les livrets réglementés."],"vigilances":["Rendement plutôt inférieur à la moyenne des livrets réglementés."],"ideal_if":[],"avoid_if":["À éviter si vous recherchez avant tout un rendement élevé."]}},"risks":[{"risk_code":"inflation","title":"Risque d’érosion par l’inflation","description_long":"Si le taux servi est inférieur à l’inflation, le pouvoir d’achat réel du capital peut diminuer.","family_key":"livret"},{"risk_code":"rate_variation","title":"Risque de variation du taux","description_long":"Les taux des livrets peuvent être révisés par décision réglementaire ou bancaire.","family_key":"livret"}],"total_invested":46000,"income_net_cumulated":6322.5,"income_gross_cumulated":6322.5,"taxes_on_income_total":0,"taxes_on_exit_total":0,"taxes_paid_total":0,"total_taxes":0,"estimated_value_net":52322.5,"estimated_value":52322.5,"final_value":52322.5,"terminal_value":52322.5,"estimated_value_label_context":"net","estimated_value_gross":52322.5,"estimated_value_gross_bridge":52322.5,"revenue_net_monthly":56.125,"monthly_income_net":56.125,"income_distributed_net_monthly":56.125,"income_distributed_net_annual":673.5,"annual_net_gain":673.5,"economic_gain_net":6322.5,"economic_gain_gross":6322.5,"economic_gain_total":6322.5,"economic_gain_gross_bridge":6322.5,"projection_canon":[{"year":1,"value":{"net":12569.5,"gross_bridge":12400},"income_flow":{"net_annual":169.5,"gross_annual":169.5},"gain":{"net":169.5,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":2,"value":{"net":15175,"gross_bridge":14800},"income_flow":{"net_annual":205.5,"gross_annual":205.5},"gain":{"net":375,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":3,"value":{"net":17816.5,"gross_bridge":17200},"income_flow":{"net_annual":241.5,"gross_annual":241.5},"gain":{"net":616.5,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":4,"value":{"net":20494,"gross_bridge":19600},"income_flow":{"net_annual":277.5,"gross_annual":277.5},"gain":{"net":894,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":5,"value":{"net":23207.5,"gross_bridge":22000},"income_flow":{"net_annual":313.5,"gross_annual":313.5},"gain":{"net":1207.5,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":6,"value":{"net":25957,"gross_bridge":24400},"income_flow":{"net_annual":349.5,"gross_annual":349.5},"gain":{"net":1557,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":7,"value":{"net":28742.5,"gross_bridge":26800},"income_flow":{"net_annual":385.5,"gross_annual":385.5},"gain":{"net":1942.5,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":8,"value":{"net":31564,"gross_bridge":29200},"income_flow":{"net_annual":421.5,"gross_annual":421.5},"gain":{"net":2364,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":9,"value":{"net":34421.5,"gross_bridge":31600},"income_flow":{"net_annual":457.5,"gross_annual":457.5},"gain":{"net":2821.5,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":10,"value":{"net":37315,"gross_bridge":34000},"income_flow":{"net_annual":493.5,"gross_annual":493.5},"gain":{"net":3315,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":11,"value":{"net":40244.5,"gross_bridge":36400},"income_flow":{"net_annual":529.5,"gross_annual":529.5},"gain":{"net":3844.5,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":12,"value":{"net":43210,"gross_bridge":38800},"income_flow":{"net_annual":565.5,"gross_annual":565.5},"gain":{"net":4410,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":13,"value":{"net":46211.5,"gross_bridge":41200},"income_flow":{"net_annual":601.5,"gross_annual":601.5},"gain":{"net":5011.5,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":14,"value":{"net":49249,"gross_bridge":43600},"income_flow":{"net_annual":637.5,"gross_annual":637.5},"gain":{"net":5649,"gross_bridge":0},"taxes_if_sold":{"total":null}},{"year":15,"value":{"net":52322.5,"gross_bridge":46000},"income_flow":{"net_annual":673.5,"gross_annual":673.5},"gain":{"net":6322.5,"gross_bridge":0},"taxes_if_sold":{"total":null}}],"family_label":"Livret","liquidity_label":"high","liquidity":{"title":"Immédiate"},"fiscality_hypothesis_short":"Livret réglementé : fiscalité généralement neutralisée dans cette simulation.","yield_label":"1,5 %","risk_label":"Risque 1/7","fees_label":"entrée 0 % · courant 0 %","kind":"real","is_custom_reference":false,"source_url":"screens://livret-jeune/2026-01-27_livret-jeune_001","fiscality_debug":{"total_invested":46000,"taxes_on_income_total":0,"taxes_on_exit_total":0,"total_taxes":0,"estimated_value_net":52322.5,"estimated_value_gross":52322.5,"estimated_value_gross_bridge":52322.5,"economic_gain_net":6322.5,"economic_gain_gross":6322.5,"economic_gain_gross_bridge":6322.5,"invariant_ok":true}}]