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En parlant d’épargne avec les collègues, j’ai entendu la remarque suivante sur le “latte factor”:”D’accord, tu pourrais économiser 3 euros au lieu de te payer un café. Mais ce n’est pas si important que ça. Tu te prives d’un bon café maintenant pour avoir 3 euros à la retraite?”

Voyons si je peux décomposer le concept pour mettre en évidence ce “latte factor”:

Si vous rentrez le jour de vos 20 ans dans un café pour mettre 3 euros dans un cappuccino, ces 3 euros sont partis à tout jamais. Si vous aviez pris ces 3 euros pour les mettre dans le bas de laine, vous auriez juste 3 euros à 60 ans. Mais si vous aviez placé ces 3 euros dans un placement (éthique comme il se doit) à objectif de 5% sur 40 ans, vous auriez 22.08 euros.

Maintenant, supposons que vous allez fêter vos 20 ans avec un cappuccino par semaine dans l’année. Ca fait 52 cappuccinos, soit 156 euros. Avec le même investissement, vous auriez 1 147.91 euros à 60 ans.

Encore plus fort, imaginons que vous dégustiez votre cappuccino hebdomadaire jusqu’à votre 60ème anniversaire. C’est 2080 cappuccinos, qui vous auront coûté 6240 euros (c’est un peu sous estimé, car le prix augmentera sûrement d’ici là). Avec notre investissement sur 40 ans, vous pourriez récupérer 18 312.24 euros.

Disons que vous prenez 3 cafés par semaine (ce qui est plausible pour un amateur de café). C’est 6240 cafés, qui coûtent 18720 euros (à prix constant, encore une fois). Si vous les placez à 5%, c’est 54 936.73 euros de plus pour votre retraite.

Et maintenant, au lieu d’un placement sécurisé (sans être garanti), placez cette somme dans un fond type comme le “Vanguard 500″, qui s’est apprécié de 12,14% par an depuis sa création en 1976. En tablant sur le même profit, vous aurez 442 716.74 euros à l’aube de votre retraite.

Vous êtes à un café par jour? Vous perdez 1 122 163.96 euros à la retraite. Un café matin et soir? 2 244 327.93 euros.

C’est la puissance du “latte factor”. Ce n’est pas le choix d’acheter un café une seule fois qui est puissant, c’est l’achat régulier et permanent de ce café couplé à l’effet multiplicateur de l’investissement. C’est la base d’une bonne retraite, perdue pour le confort d’un petit caprice quotidien.

PS : j’ai utilisé la calculette épargne du site lesechos.fr, avec une somme de départ nulle et une durée de 40 ans

(d’après The Simple Dollar)

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