Top 5 Tips to Make Money at Home? - Minimalist and Frugalist

Nowadays, it is possible to earn money from home, with a simple internet connection. Here is a summary in this article. Top 5 tips to earn money from home?

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The information in this article is not investment advice. Just a personal opinion. Investing can cause loss of money❗

Top 5 Conditions to Earn Money

👉 To write this article, my top 5 ways to make money have the following conditions:

Working time less than 15 minutes per day
Low or medium risks (in my opinion)
Long-term history of high annual profitability (over 3% per year)
Not having to leave the house to receive money
Not depending on a client or boss to make money

1 – Growth ETF 📈

👉 I think a growth ETF is the best way to earn income from home 😉

In my opinion, there is no better if we compare "Investment time VS Profitability VS Risk of losing money".

👉 In reality, you just have to add money to a growth ETF and… wait quietly to let time grow the money invested.

To give an example, if we invest in a VOO ETF, which replicates the performance of the SP500 stock index. By analyzing past performance (⚠ past performance is not a guarantee for the future).

The performance of the last 5 years (February 2020 – February 2025) is:

102%

🔸 That is to say, an investor who invested $10,000 5 years ago in a VOO ETF would have more than $20,000 today.

Note that you don't need to be a stock market expert to invest in an ETF. You just need to buy shares of a profitable ETF and wait for the stock market profits to multiply by themselves.

I've written a few articles about my favorite growth ETFs. My top 3 as of this writing are:

	Strategy summary	% earned on average in 5 years (rounded) (February 2020 – 2025)	Investment region
ETF VOO	500 best US stocks	15% annualized	USA
ETF QQQ	100 best US tech stocks	19% annualized	USA
ETF VT	Best Global Stocks	11% annualized	World

2 – Dividend ETFs 💰

When we invest in stocks, note that the majority of stocks pay a dividend occasionally to the shareholder as a thank you for their investment.

Some stocks, in order to attract new shareholders, promise a high dividend. That is, a high distribution of the company's profits.

👉 A dividend ETF is similar to a growth ETF.

In reality, the big difference between the two is that a dividend ETF selects stocks with a bias towards stocks with high dividend distributions. While a growth ETF focuses on stocks that increase in value.

Here is a table to summarize the trends of the best growth ETFs and the best high dividend ETFs.

	Tendency to value action over the long term	Tendency to receive annual dividends
Growth ETFs	high (+ 10% per year)	low (less than 2%)
High Dividend ETFs	low (- 10% per year)	high (greater than 3%)

🔸 As a result, the majority of high dividend ETFs distribute dividends greater than 3% annualized. 1 time every 3 months.

In fact, with this trick, we receive money directly into our account every 3 months. Without doing anything 😎

I've written a few articles about my favorite high dividend ETFs. My top 3 as of this writing are:

	% annualized average dividends distributed (rounded) (February 2020 – 2025)	% annualized average performance return (rounded) (February 2020 – 2025)	Investment region
VYM	3%	11%	UNITED STATES
HDV	3.5%	7%	UNITED STATES
VYMI	3.5%	7.5%	All countries except USA

3 – Account 3a (99% on the stock market) 📊

A 3a account is a savings account with certain withdrawal conditions.

Additionally, adding money to a 3a account reduces taxes for a Swiss resident.

The way it works is simple. The more money a taxpayer pays into their 3a account (up to the annual limit), the more tax reductions they benefit from.

👉 It is possible to invest your 3a account! For example, invest the 99% of your 3a capital in the stock market.

🔸 Past performance with some pension companies is very good! Around 7 % annualized!

In addition, each year, the taxpayer benefits from tax reductions in proportion to the payments into the 3a account.

My 2 favorite strategies regarding the 3a account, at the time of writing, the gross return is:

	% invests	% annualized earned on average in 5 years (approximately) (February 2020 – 2025)	Investment region
Viac Global 100	99%	6%	World
Finpension Global 100	99%	6%	World

4 – SCPI 🏢

A SCPI is a real estate investment company. Also known as pierre-papier.

Note that a SCPI is a passive real estate investment. As a result, the investor avoids arduous active work such as:

Managing notary fees
Tenant Management
Management of unpaid rents
Follow the renovation work
Negotiating annuities

In reality, in my opinion, investing in a SCPI in real estate is similar to investing in an ETF on the stock market.

👉 Indeed, by purchasing an SCPI, the client invests in various diversified real estate investments, depending on the SCPI chosen. The big advantage for the client is that it is a passive real estate return with good diversification. By receiving annuities.

In exchange, the SCPI takes a commission for all the “active” work.

Overall, the majority of SCPIs charge a commission between 15 and 20%. Including subscription fees and management fees.

🔸 Gross returns vary depending on the SCPI and the investor's tax situation. However, according to the louveinvest website¹, the best SCPIs have an annual gross profitability greater than 7%.

Here is a summary of an investment in a SCPI

	% annualized earned on average	% lost in commissions	% lost in taxes (depending on the country's tax system)
SCPI	6-8% (best SCPI)	15-20%	13-47%

Therefore, the net rate of return will be around 5.5%. Not including taxes or inflation.

5 - Create and Monetize a Blog 💻

For this tip, it is not a guarantee to receive more than 3% of annualized return over the long term. On the other hand, there are other very interesting and rewarding aspects.

If you are reading this article, it is because I can monetize this blog. I would like to thank donors! This allows me to benefit from additional income in order to cover the expenses of this blog.

👉 The advantage of creating a blog, despite a very irregular return, is to earn money with:

Donations that readers pay in exchange for neutral information

Affiliations with companies the blogger admires

Sale of training courses or ebooks

Working time varies depending on the blogger's wishes

Note that a good blog takes years to create and build a niche of loyal customers.

Besides, working for a blog is generally a pleasure. Because we write and share topics that we are passionate about 😊

🔸 Therefore, once the blog is created and loyal customers are obtained, it is enough to sell good digital products according to the desires of the majority of customers.

Conclusion

➡ In my opinion, the Top 5 tips to make money from home are:

Growth ETFs
High Dividend ETFs
Account 3a (99% on the stock exchange)
SCPI
Creating and monetizing a blog (or a digital platform such as YouTube or Instagram)

Note that these 5 tips can be combined. Therefore, it is possible to grow your money with these 5 aspects simultaneously.

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How does this blog live?

Overall, this blog lives on sharing a frugal and minimalist lifestyle.

For a question of transparency towards the readers. All recommended products are in order to make life cheaper, simpler and to promote the essentials.

Basically, my only income with this blog comes:

Trainings that I realize
Promo codes for the products I use
Donations that readers make in exchange for neutral information.

About me

I decided to create this blog to develop and help readers who are looking for a simpler and more economical life.

Compared to before, I was a person who consumed a lot until the day I realized that my consumption made me sadder and poorer 😑

Now I prefer the minimum of my needs to be happy and achieve my financial freedom.

Without realizingI started to focus on saving and investing to depend on a boss for as little time as possible and to speed up my personal projects.

Are you rather minimalist or frugal Jonny?

I am as minimalist as I am frugalist. However, there are situations where I lean more towards an art of life.

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Top 5 tips to make money from home?

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