Comment Apple gagne vraiment de l’argent (ce n’est pas ce que vous croyez)
When people think of how Apple makes money, the iPhone immediately comes to mind, along with Macs, iPads, and AirPods—essentially, all the high-end tech products found in an Apple Store. While this has been true for over 50 years, Apple has been strategically shifting towards becoming a services company for nearly a decade. These services range from digital life facilitators like iCloud to entertainment offerings like Apple Music, with the App Store at the core of this strategy. By 2025, over 40% of Apple's annual profit came from its services. The goal is to transform occasional hardware purchasers into regular, recurring subscribers. Once integrated into the Apple ecosystem, users can easily spend over €250 per year on iCloud storage, music, bundled services, and App Store purchases, not including hardware costs. Over several years, this can amount to the cost of an iPhone, demonstrating Apple's strong business acumen, which has kept it among the world's top three most valuable companies for over 15 years and a key driver of the S&P 500.
The S&P 500 tracks the performance of the 500 largest U.S.-listed companies, serving as a global economic barometer, and Apple is a crucial component. Investors often use ETFs or trackers to invest in this index. Fortuneo, a partner, offers access to over 140 ETFs, including several that replicate the S&P 500's performance, through its PEA (Plan d'Épargne en Actions). A PEA with Fortuneo requires an initial deposit of €100, with orders placed via their app. The main advantage of a PEA is its favorable tax regime: no taxes are declared as long as funds remain invested. After five years, gains are exempt from income tax, with only social security contributions (18.6% on capital gains) remaining. Fortuneo was named the best PEA in March 2026 due to its low fees, including €0 for opening, account maintenance, or custody, and flexible brokerage profiles, such as the "Starter" option with free brokerage on the first order up to €500 monthly on Euronext markets, otherwise 0.35% per order. Currently, the first 100 orders are free for new or transferred PEAs.
