With inflation at a 40-year high, an unprecedented excess of liquidity in the markets, wars in the world, a loss of purchasing power never seen before, etc., we can say that we are facing an economic environment that is not at all pleasant. We can say that we are facing a not entirely pleasant economic environment.

Central banks are losing all credibility, from "inflation is transitory" to "we will not raise rates until 2023". Inflation is currently close to 8%, and at least 7 rate hikes are expected between 2022 and 2023.

This inflation has caused the individual investor to lose purchasing power and find it difficult to fill the shopping cart, fill the car tank, or even pay the electricity bill. Inflation is a silent thief, and the worst thing is that very few people are aware of it. Without going any further, with an inflation rate of 8% (currently), our dollars in the bank go from being worth 1 to 0.5 in approximately 10 years.