{"id":11646,"date":"2026-07-06T08:46:48","date_gmt":"2026-07-06T06:46:48","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=11646"},"modified":"2026-07-06T13:17:38","modified_gmt":"2026-07-06T11:17:38","slug":"which-investment-most-profitable","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/","title":{"rendered":"Which investment is the most profitable?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Il y a beaucoup de possibilit\u00e9s d&#8217;investir. La question principale est &#8230; Quel investissement est le plus rentable?<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Introduction_Quel_investissement_est_le_plus_rentable\" >Introduction : Quel investissement est le plus rentable?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Cest_quoi_un_revenu_passif\" >C&#8217;est quoi un revenu passif?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Peut-on_vraiment_comparer_tous_les_investissements\" >Peut-on vraiment comparer tous les investissements ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_4_criteres_a_analyser_avant_dinvestir\" >Les 4 crit\u00e8res \u00e0 analyser avant d&#8217;investir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Le_rendement\" >Le rendement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Le_risque\" >Le risque<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Le_temps_dinvestissement\" >Le temps d&#8217;investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#La_diversification\" >La diversification<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Comparatif_des_principaux_investissements\" >Comparatif des principaux investissements<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_ETF_le_meilleur_compromis_entre_rendement_diversification_et_simplicite\" >Les ETF : le meilleur compromis entre rendement, diversification et simplicit\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Pourquoi_les_ETF_sont-ils_recommandes\" >Pourquoi les ETF sont-ils recommand\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#1_Diversification\" >1. Diversification<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#2_Frais_extremement_faibles\" >2. Frais extr\u00eamement faibles<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#3_Les_interets_composes\" >3. Les int\u00e9r\u00eats compos\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#4_Tres_peu_de_gestion\" >4. Tr\u00e8s peu de gestion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Que_montrent_les_etudes\" >Que montrent les \u00e9tudes ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_actions_individuelles_potentiellement_tres_rentables%E2%80%A6_mais_beaucoup_plus_difficiles\" >Les actions individuelles : potentiellement tr\u00e8s rentables\u2026 mais beaucoup plus difficiles<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Pourquoi_investir_dans_une_action_est-ce_plus_risque\" >Pourquoi investir dans une action est-ce plus risqu\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_etudes_sont-elles_favorables\" >Les \u00e9tudes sont-elles favorables ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Limmobilier_un_investissement_rentable%E2%80%A6_mais_tres_dependant_du_contexte\" >L&#8217;immobilier : un investissement rentable\u2026 mais tr\u00e8s d\u00e9pendant du contexte<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Immobilier_locatif\" >Immobilier locatif<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_SCPI\" >Les SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_REIT\" >Les REIT<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Quel_placement_immobilier_choisir\" >Quel placement immobilier choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Quel_placement_choisir_ETF_Global_ou_ETF_REIT_Global\" >Quel placement choisir ? ETF Global ou ETF REIT Global?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_cryptomonnaies_des_performances_exceptionnelles%E2%80%A6_avec_une_volatilite_extreme\" >Les cryptomonnaies : des performances exceptionnelles\u2026 avec une volatilit\u00e9 extr\u00eame<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Lor_une_protection_plutot_quun_moteur_de_croissance\" >L&#8217;or : une protection plut\u00f4t qu&#8217;un moteur de croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Le_compte_epargne_indispensable%E2%80%A6_mais_pas_pour_devenir_riche\" >Le compte \u00e9pargne : indispensable\u2026 mais pas pour devenir riche<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Mon_classement_personnel\" >Mon classement personnel<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Resume_de_ce_portefeuille\" >R\u00e9sum\u00e9 de ce portefeuille:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Mon_portefeuille_ideal_un_equilibre_intelligent\" >Mon portefeuille id\u00e9al : un \u00e9quilibre intelligent<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#FAQ_Quel_investissement_est_le_plus_rentable\" >FAQ : Quel investissement est le plus rentable?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Investissement_en_general\" >Investissement en g\u00e9n\u00e9ral<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Quel_est_linvestissement_le_plus_rentable_a_long_terme\" >Quel est l\u2019investissement le plus rentable \u00e0 long terme ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Peut-on_devenir_riche_avec_des_investissements_passifs\" >Peut-on devenir riche avec des investissements passifs ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Combien_faut-il_investir_pour_vivre_de_ses_revenus_passifs\" >Combien faut-il investir pour vivre de ses revenus passifs ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Faut-il_investir_en_Suisse_ou_a_letranger\" >Faut-il investir en Suisse ou \u00e0 l\u2019\u00e9tranger ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Sur_les_ETF\" >Sur les ETF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Pourquoi_les_ETF_sont-ils_recommandes_pour_les_debutants\" >Pourquoi les ETF sont-ils recommand\u00e9s pour les d\u00e9butants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Quel_ETF_choisir_pour_commencer\" >Quel ETF choisir pour commencer ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#ETF_a_capitalisation_ou_a_distribution\" >ETF \u00e0 capitalisation ou \u00e0 distribution ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Sur_limmobilier\" >Sur l\u2019immobilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Immobilier_locatif_SCPI_ou_ETF_REIT_lequel_choisir\" >Immobilier locatif, SCPI ou ETF REIT : lequel choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Les_SCPI_sont-elles_un_bon_investissement_en_Suisse\" >Les SCPI sont-elles un bon investissement en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Sur_les_cryptomonnaies_et_lor\" >Sur les cryptomonnaies et l\u2019or<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Faut-il_investir_dans_le_Bitcoin\" >Faut-il investir dans le Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#A_quoi_sert_lor_dans_un_portefeuille\" >\u00c0 quoi sert l\u2019or dans un portefeuille ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Sur_la_gestion_du_portefeuille\" >Sur la gestion du portefeuille<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Combien_de_temps_faut-il_pour_gerer_son_portefeuille\" >Combien de temps faut-il pour g\u00e9rer son portefeuille ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Quand_faut-il_reequilibrer_son_portefeuille\" >Quand faut-il r\u00e9\u00e9quilibrer son portefeuille ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-56\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Faut-il_investir_en_une_fois_ou_progressivement\" >Faut-il investir en une fois ou progressivement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-57\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Fiscalite_et_epargne\" >Fiscalit\u00e9 et \u00e9pargne<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-58\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Comment_sont_imposes_les_ETF_en_Suisse\" >Comment sont impos\u00e9s les ETF en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-59\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Combien_faut-il_epargner_avant_dinvestir\" >Combien faut-il \u00e9pargner avant d\u2019investir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-60\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Erreurs_a_eviter\" >Erreurs \u00e0 \u00e9viter<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-61\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Quelles_sont_les_pires_erreurs_en_investissement\" >Quelles sont les pires erreurs en investissement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-62\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Peut-on_perdre_tout_son_argent_en_investissant\" >Peut-on perdre tout son argent en investissant ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-63\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/#Quel_investissement_est_le_plus_rentable\" >Quel investissement est le plus rentable?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Introduction_Quel_investissement_est_le_plus_rentable\"><\/span>Introduction : Quel investissement est le plus rentable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup de personnes cherchent LE placement parfait. Celui qui rapporte le plus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais la r\u00e9alit\u00e9 est un peu plus complexe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un investissement tr\u00e8s rentable est souvent un investissement tr\u00e8s risqu\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l&#8217;inverse, un placement tr\u00e8s s\u00e9curis\u00e9 rapporte g\u00e9n\u00e9ralement peu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alors&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Quel investissement est r\u00e9ellement le plus rentable ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9pondre \u00e0 cette question, j&#8217;ai compar\u00e9 les principaux placements selon :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>leur rendement historique<\/li>\n\n\n\n<li>leur niveau de risque<\/li>\n\n\n\n<li>le temps n\u00e9cessaire pour les g\u00e9rer<\/li>\n\n\n\n<li>leur capacit\u00e9 \u00e0 g\u00e9n\u00e9rer des revenus passifs.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#0e0052\"><strong>\u26a0\ufe0f Les performances pass\u00e9es ne garantissent pas les performances futures. Investir comporte des risques de perte d&#8217;argent. Je ne suis pas responsable de tes placements financiers.<\/strong><\/p>\n\n\n\n<figure style=\"margin-top:var(--wp--preset--spacing--60);margin-right:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60);margin-left:var(--wp--preset--spacing--60);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\" class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" autoplay controls muted src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-55c2fc28-b901-4f1f-97e1-f7933f10c84c.mp4\" playsinline><\/video><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Cest_quoi_un_revenu_passif\"><\/span>C&#8217;est quoi un revenu passif?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>revenu passif<\/strong> est un revenu qui est g\u00e9n\u00e9r\u00e9 avec <strong>peu de travail<\/strong>. En v\u00e9rit\u00e9, une fois l&#8217;investissement initial, un revenu passif demande tr\u00e8s peu de gestion \u00e0 l&#8217;investistisseur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 un <strong>revenu actif<\/strong>, o\u00f9 tu \u00e9changes directement ton temps contre de l&#8217;argent (comme un salaire par exemple), un revenu passif peut continuer \u00e0 produire des revenus m\u00eame lorsque tu ne travailles pas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, en investissant dans un ETF \u00e0 dividendes \u00e9lev\u00e9s, tu recevras des dividendes semestriels, tandis que l&#8217;ETF r\u00e9alise la gestion pour toi contre une commission.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Peut-on_vraiment_comparer_tous_les_investissements\"><\/span>Peut-on vraiment comparer tous les investissements ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pas totalement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, comparer l&#8217;achat d&#8217;un appartement avec l&#8217;achat du Bitcoin revient un peu \u00e0 comparer une moto avec un avion.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Les_4_criteres_a_analyser_avant_dinvestir\"><\/span>Les 4 crit\u00e8res \u00e0 analyser avant d&#8217;investir ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de regarder la performance d&#8217;un placement, il faut comprendre quatre crit\u00e8res.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Le_rendement\"><\/span>Le rendement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement correspond au gain potentiel que ton investissement peut g\u00e9n\u00e9rer au fil du temps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu investis 10&#8217;000 CHF et que ton placement rapporte en moyenne 8 % par an, ton capital aura tendance \u00e0 augmenter progressivement gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement historique permet de se faire une id\u00e9e du potentiel d&#8217;un investissement. En revanche, il est important de rappeler qu&#8217;un bon rendement pass\u00e9 ne garantit jamais un bon rendement futur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Le_risque\"><\/span>Le risque<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque investissement comporte un niveau de risque diff\u00e9rent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le risque repr\u00e9sente la possibilit\u00e9 que ton investissement perde de la valeur, parfois de mani\u00e8re importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, un compte \u00e9pargne est tr\u00e8s peu risqu\u00e9, mais est historiquement tr\u00e8s peu rentable, tandis que les actions ou les cryptomonnaies peuvent conna\u00eetre de fortes baisses sur certaines p\u00e9riodes, ou de fortes mont\u00e9es sur d&#8217;autres p\u00e9riodes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e8gle g\u00e9n\u00e9rale, plus le rendement potentiel est \u00e9lev\u00e9, plus le risque est important et plus le placement fluctuent de valeur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En autre, chaque placement comporte des risques diff\u00e9rents. Par exemple, acheter un appartement comporte un risque diff\u00e9rent que d&#8217;acheter de l&#8217;or.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Le_temps_dinvestissement\"><\/span>Le temps d&#8217;investissement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tous les investissements ne demandent pas le m\u00eame niveau d&#8217;implication.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains placements, comme un ETF diversifi\u00e9, peuvent \u00eatre g\u00e9r\u00e9s en quelques minutes par mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l&#8217;inverse, un investissement immobilier locatif ou la s\u00e9lection d&#8217;actions individuelles par exemple, demande souvent beaucoup plus de temps : recherche, gestion, suivi, fiscalit\u00e9, travaux, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le meilleur investissement est aussi celui que tu es capable de g\u00e9rer sereinement. Car on a pas envie de se cr\u00e9er un deuxi\u00e8me job avec notre placement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"La_diversification\"><\/span>La diversification<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La diversification consiste \u00e0 r\u00e9partir ton argent entre plusieurs entreprises, secteurs d&#8217;activit\u00e9, pays ou classes d&#8217;actifs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Son objectif est simple : \u00e9viter qu&#8217;un seul mauvais investissement ne p\u00e9nalise fortement l&#8217;ensemble de ton patrimoine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, acheter une seule action est beaucoup moins diversifi\u00e9 qu&#8217;investir dans un ETF mondial qui regroupe plusieurs milliers d&#8217;entreprises r\u00e9parties dans diff\u00e9rents pays dans le monde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Une bonne diversification permet g\u00e9n\u00e9ralement de r\u00e9duire le risque sans forc\u00e9ment diminuer le potentiel de rendement.<\/p>\n\n\n\n<p class=\"has-pale-cyan-blue-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\"><strong>La suite de cet article<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la suite de cet article, nous allons comparer les principaux types d&#8217;investissements selon ces quatre crit\u00e8res : <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>leur rendement historique<\/li>\n\n\n\n<li>leur niveau de risque<\/li>\n\n\n\n<li>le temps qu&#8217;ils demandent<\/li>\n\n\n\n<li>leur capacit\u00e9 de diversification<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Comparatif_des_principaux_investissements\"><\/span>Comparatif des principaux investissements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement historique*<br>(De 1 \u00e0 6)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Risque<\/th><th class=\"has-text-align-center\" data-align=\"center\">Temps<\/th><th class=\"has-text-align-center\" data-align=\"center\">Diversification<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Monde<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF S&amp;P500<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Actions individuelles<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Immobilier locatif<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Or<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Compte \u00e9pargne<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aucun<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*Performances historiques, non garanties.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Les_ETF_le_meilleur_compromis_entre_rendement_diversification_et_simplicite\"><\/span>Les ETF : le meilleur compromis entre rendement, diversification et simplicit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si je devais conseiller un seul investissement \u00e0 une personne qui d\u00e9bute, ce serait probablement un ETF diversifi\u00e9. Comme par exemple, un ETF S&amp;P500 ou un ETF Global.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parce que les ETF permettent d&#8217;investir simultan\u00e9ment dans des centaines, voire des milliers d&#8217;entreprises, avec un seul achat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un ETF FTSE All-World d\u00e9tient plus de 3 500 entreprises dans le monde entier ;<\/li>\n\n\n\n<li>un ETF S&amp;P 500 regroupe les 500 plus grandes soci\u00e9t\u00e9s am\u00e9ricaines.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_ETF_sont-ils_recommandes\"><\/span>Pourquoi les ETF sont-ils recommand\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs raisons reviennent syst\u00e9matiquement dans les \u00e9tudes acad\u00e9miques.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"1_Diversification\"><\/span>1. Diversification<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Au lieu de choisir une seule action, tu investis dans des centaines d&#8217;entreprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, tu ne mises pas sur Apple ou Microsoft uniquement. Mais tu investis dans toute une \u00e9conomie nationale ou internationale selon l&#8217;ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La diversification est la cl\u00e9 pour r\u00e9duire les risques de perte d&#8217;argent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"2_Frais_extremement_faibles\"><\/span>2. Frais extr\u00eamement faibles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF indiciels co\u00fbtent souvent entre <strong>0,03% et 0,29% par an<\/strong>, contre parfois plus de <strong>1,5%<\/strong> pour certains fonds actifs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur plusieurs d\u00e9cennies, cette diff\u00e9rence de frais repr\u00e9sente plusieurs dizaines de milliers de francs \u00e9conomis\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vanguard estime que la r\u00e9duction des co\u00fbts constitue l&#8217;un des facteurs expliquant la surperformance des investisseurs passifs sur le long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"3_Les_interets_composes\"><\/span>3. Les int\u00e9r\u00eats compos\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF de capitalisation r\u00e9investissent automatiquement les dividendes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les gains produisent ensuite de nouveaux gains, qui reproduisent des nouveaux gains.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est exactement le principe des int\u00e9r\u00eats compos\u00e9s d\u00e9crit par Albert Einstein comme &#8220;<em>la huiti\u00e8me merveille du monde<\/em>&#8221; (citation sans preuve historique, mais qui illustre parfaitement le ph\u00e9nom\u00e8ne financier).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"4_Tres_peu_de_gestion\"><\/span>4. Tr\u00e8s peu de gestion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement aux actions individuelles, un ETF ne demande quasiment aucun suivi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu peux simplement investir chaque mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le temps fait ensuite une grande partie du travail afin d&#8217;augmenter le rendement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Que_montrent_les_etudes\"><\/span>Que montrent les \u00e9tudes ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9sultats sont particuli\u00e8rement int\u00e9ressants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>SPIVA Scorecard<\/strong> de S&amp;P Dow Jones compare depuis plus de vingt ans les fonds actifs avec leur indice de r\u00e9f\u00e9rence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les conclusions sont tr\u00e8s claires :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sur 15 ans, <mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff5bd\" class=\"has-inline-color\"><strong>pr\u00e8s de 90% des fonds actifs am\u00e9ricains sous-performent le S&amp;P500<\/strong> <\/mark><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit : si tu as investi il y a 15 ans dans un ETF S&amp;P500, tu as 90% de chances d&#8217;avoir obtenu un meilleur rendement que le 10% des traders actifs, souvent vus comme des &#8220;professionnels de la finance&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela explique pourquoi Vanguard, Morningstar et de nombreux chercheurs recommandent aujourd&#8217;hui les ETF indiciels comme investissement principal pour les particuliers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, un ETF S&amp;P500 est :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>simple \u00e0 investir<\/li>\n\n\n\n<li>plus rentable que la plupart des professionnels de la finance<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"Les_actions_individuelles_potentiellement_tres_rentables%E2%80%A6_mais_beaucoup_plus_difficiles\"><\/span>Les actions individuelles : potentiellement tr\u00e8s rentables\u2026 mais beaucoup plus difficiles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Acheter une action individuelle consiste \u00e0 miser sur une seule entreprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apple<\/li>\n\n\n\n<li>Microsoft<\/li>\n\n\n\n<li>Nvidia<\/li>\n\n\n\n<li>LVMH<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si ton choix est excellent, les gains peuvent \u00eatre spectaculaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nvidia, par exemple, a connu une progression exceptionnelle ces derni\u00e8res ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais il ne faut pas l&#8217;oublier, l&#8217;inverse est \u00e9galement vrai.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kodak, Nokia ou General Electric \u00e9taient autrefois consid\u00e9r\u00e9es comme des entreprises incontournables et &#8230; leur action a chut\u00e9 drastiquement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Pourquoi_investir_dans_une_action_est-ce_plus_risque\"><\/span>Pourquoi investir dans une action est-ce plus risqu\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque tu ach\u00e8tes une seule action, ton patrimoine d\u00e9pend fortement de cette entreprise.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une mauvaise d\u00e9cision du management.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une innovation rat\u00e9e.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une crise.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Et ton investissement peut perdre \u00e9norm\u00e9ment de valeur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tandis qu&#8217;avec un ETF, ce risque est plus limit\u00e9 car un ETF regroupe plusieurs actions. En effet, le nombre d&#8217;actions a tendance \u00e0 stabiliser la croissance boursi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Les_etudes_sont-elles_favorables\"><\/span>Les \u00e9tudes sont-elles favorables ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pas vraiment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une \u00e9tude c\u00e9l\u00e8bre de Hendrik Bessembinder (Arizona State University) montre que :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>seulement <strong>environ 4 des actions am\u00e9ricaines expliquent la totalit\u00e9 de la cr\u00e9ation de richesse du march\u00e9<\/strong> depuis 1926 <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la majorit\u00e9 des actions obtiennent finalement une performance inf\u00e9rieure aux bons du Tr\u00e9sor am\u00e9ricain.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit : <strong>trouver les quelques actions gagnantes est extr\u00eamement difficile.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF permettent justement de les poss\u00e9der automatiquement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jonh Vanguard, un financier tr\u00e8s c\u00e9lebre, a dit :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffdd6\" class=\"has-inline-color\">Ne cherchez pas une aiguille dans une botte de foin. Achetez la botte de foin<\/mark><\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Limmobilier_un_investissement_rentable%E2%80%A6_mais_tres_dependant_du_contexte\"><\/span>L&#8217;immobilier : un investissement rentable\u2026 mais tr\u00e8s d\u00e9pendant du contexte<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon un article de la banque europ\u00e9enne, voici en moyenne, comment chaque europ\u00e9en investit 100 euros.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/www.zentral-bank.eu\/press\/economic-bulletin\/articles\/2024\/html\/ecb.ebart202405_02~50a620f16b.en.html?utm_source=chatgpt.com\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"28815\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/100-euros-investis-par-un-europeen\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?fit=1536%2C1024&amp;ssl=1\" data-orig-size=\"1536,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"100 euros investis par un europ\u00e9en\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?fit=600%2C400&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen-600x400.png?resize=600%2C400&#038;ssl=1\" alt=\"R\u00e9partition moyenne de 100 euros de patrimoine - Quel investissement est le plus rentable?\" class=\"wp-image-28815\" style=\"aspect-ratio:1.4827399799212295;width:600px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/100-euros-investis-par-un-europeen.png?w=1536&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>Source :<\/strong> Banque centrale europ\u00e9enne (ECB), <em>Household Finance and Consumption Survey (HFCS)<\/em><a href=\"https:\/\/www.econstor.eu\/handle\/10419\/154155?locale=en&amp;utm_source=chatgpt.com\">1<\/a><\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Nous voyons que l&#8217;immobilier reste l&#8217;un des investissements pr\u00e9f\u00e9r\u00e9s des Europ\u00e9ens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, \u00e0 noter qu&#8217;il existe plusieurs fa\u00e7ons d&#8217;investir dans l&#8217;immobilier:<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Immobilier_locatif\"><\/span>Immobilier locatif<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est le principe le plus connu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acheter un logement.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le louer.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Recevoir les loyers.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, il y une partie active parfois difficile \u00e0 g\u00e9rer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les locataires<\/li>\n\n\n\n<li>l&#8217;admnistratif<\/li>\n\n\n\n<li>les rendez-vous entre voisins<\/li>\n\n\n\n<li>les travaux<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Et \u00e7a, sans parler des d\u00e9penses qui parfois r\u00e9duisent fortement le rendement.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les imp\u00f4ts <\/li>\n\n\n\n<li>les assurances<\/li>\n\n\n\n<li>les travaux<\/li>\n\n\n\n<li>le manque de locataire<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le temps de gestion est donc important. Et les frais peuvent rapidement r\u00e9duire la rentabilit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Les_SCPI\"><\/span>Les SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les SCPI permettent d&#8217;investir dans l&#8217;immobilier sans acheter directement un appartement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, c&#8217;est une mani\u00e8re d&#8217;investir dans de l&#8217;immobilier passif.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu ach\u00e8tes des parts d&#8217;un portefeuille immobilier qui est g\u00e9r\u00e9 par soci\u00e9t\u00e9 immobili\u00e8re.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu re\u00e7ois ensuite une partie des loyers au proata de ton placement<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, l&#8217;investissement devient beaucoup plus simple \u00e0 g\u00e9rer et tu consacres peu de temps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En contrepartie :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les frais d&#8217;entr\u00e9e sont souvent \u00e9lev\u00e9s <\/li>\n\n\n\n<li>la liquidit\u00e9 est plus faible qu&#8217;un ETF<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, il est pr\u00e9f\u00e9rable d&#8217;investir dans une SCPI europ\u00e9enne diversifi\u00e9e, afin d&#8217;allier rentabilit\u00e9 et diversification.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"Les_REIT\"><\/span>Les REIT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les REIT (Real Estate Investment Trusts) sont des soci\u00e9t\u00e9s immobili\u00e8res cot\u00e9es en bourse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est aussi une mani\u00e8re d&#8217;investir dans de l&#8217;immobilier passif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elles permettent d&#8217;investir dans :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bureaux<\/li>\n\n\n\n<li>logements<\/li>\n\n\n\n<li>h\u00f4pitaux<\/li>\n\n\n\n<li>centres commerciaux<\/li>\n\n\n\n<li>entrep\u00f4ts logistiques<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour plus de diversification et r\u00e9duire les risques de perte d&#8217;argent, il est possible d&#8217;investir dans un ETF REIT global.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF REIT combinent ainsi :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>placement immobilier tr\u00e8s diversifi\u00e9 (monde)<\/li>\n\n\n\n<li>simplicit\u00e9 de gestion via un ETF<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"Quel_placement_immobilier_choisir\"><\/span><strong>Quel placement immobilier choisir ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, il n&#8217;existe pas &#8220;un&#8221; investissement immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre un appartement lou\u00e9, une SCPI ou un ETF REIT, le placement d\u00e9pend principalement de ce que l&#8217;investisseur recherche:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">\ud83c\udfe0 Immobilier locatif<\/th><th class=\"has-text-align-center\" data-align=\"center\">\ud83c\udfe2 SCPI Europ\u00e9ene diversifi\u00e9e<\/th><th class=\"has-text-align-center\" data-align=\"center\">\ud83d\udcc8 ETF REIT Global<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement brut esp\u00e9r\u00e9 sur le long terme<\/strong><br>(croissance + loyers)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50<br>3-9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50<br>3-8%<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<br>4-9%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Risque<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen \u00e0 \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Temps de gestion<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"> \u00c9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\"> Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Facilit\u00e9 d&#8217;investissement<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Compliqu\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s simple<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Montant minimum \u00e0 investir<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Diversification<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Liquidit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible \u00e0 moyenne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Revenus r\u00e9guliers<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Loyers<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Revenus distribu\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 Dividendes (selon l&#8217;ETF)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Volatilit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne <br>(cot\u00e9 en bourse)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Temps de gestion par mois<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le meilleur choix d\u00e9pend donc surtout de ton objectif :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>tu as du temps \u00e0 consacrer \u00e0 ton placement, un budget initial \u00e9lev\u00e9 et tu souhaites r\u00e9aliser des travaux ?<\/strong> \u2192 Immobilier locatif.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>tu as un budget initial faible, tu souhaites un investissement immobilier passif et gagner 3 \u00e0 9% par ann\u00e9e brute ?<\/strong> \u2192 SCPI Europ\u00e9enne diversifi\u00e9e ou ETF REIT Global.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-cyan-blue-color has-text-color has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Quel_placement_choisir_ETF_Global_ou_ETF_REIT_Global\"><\/span><strong>Quel placement choisir ? ETF Global ou ETF REIT Global?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce sujet m\u00e9rite un article appronfondie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cet article, voici un r\u00e9sum\u00e9 en forme de tableau:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF Global ou ETF REIT Global<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Rentabilit\u00e9 pass\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF Global<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moins de risques de perte d&#8217;argent<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF Global<br>(plus diversifi\u00e9e)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Plus de diversification<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF Global<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moins de commissions TER<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF Global<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF global multi-secteurs est donc un meilleur choix, mais combiner les deux est une option intelligente.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a958f48308c2&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a958f48308c2\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" data-attachment-id=\"28851\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a4ab6627d4fc\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Visual comparison of financial investments\" data-image-description=\"&lt;p&gt;The image provides a detailed visual comparison of four types of financial investments: stocks, bonds, real estate, and index funds\/ETFs. Each category is presented with a header, relevant icons, and a list of key attributes including objectives, risk levels, potential gains, liquidity, and additional notes. Graphs at the bottom illustrate performance trends over time, while a summary chart emphasizes the balance between risk and return for each investment type. The background and design use a modern financial theme with icons and colorful accents to enhance clarity and engagement.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;A visual guide comparing stocks, bonds, real estate, and index funds based on risk, return, and liquidity.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Comparison chart of stocks, bonds, real estate, and ETFs with objectives, risks, gains, liquidity, and graphs. - Quel investissement est le plus rentable?\" class=\"wp-image-28851\" style=\"width:450px;height:auto\" title=\"Visual comparison of financial investments\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4ab6627d4fc.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"Les_cryptomonnaies_des_performances_exceptionnelles%E2%80%A6_avec_une_volatilite_extreme\"><\/span>Les cryptomonnaies : des performances exceptionnelles\u2026 avec une volatilit\u00e9 extr\u00eame<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin est probablement l&#8217;un des actifs les plus performants depuis sa cr\u00e9ation. Mais aussi l&#8217;un des plus volatils.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il a d\u00e9j\u00e0 connu plusieurs baisses sup\u00e9rieures \u00e0 <strong>70 %<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2013<\/li>\n\n\n\n<li>2018<\/li>\n\n\n\n<li>2022<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Malgr\u00e9 cela, son rendement historique reste spectaculaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est pr\u00e9cis\u00e9ment cette combinaison :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>potentiel \u00e9lev\u00e9<\/li>\n\n\n\n<li>risque tr\u00e8s important <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">qui divise autant les investisseurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cette raison, la plupart des experts financiers conseillent d&#8217;investir seulement une petite partie de son portefeuille d&#8217;investissement, g\u00e9n\u00e9ralement moins de 5% du portefeuille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"Lor_une_protection_plutot_quun_moteur_de_croissance\"><\/span>L&#8217;or : une protection plut\u00f4t qu&#8217;un moteur de croissance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement aux actions, l&#8217;or ne produit :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>aucun dividende <\/li>\n\n\n\n<li>aucun loyer <\/li>\n\n\n\n<li>aucun int\u00e9r\u00eat<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Son objectif principal est diff\u00e9rent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il sert surtout :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de r\u00e9serve de valeur <\/li>\n\n\n\n<li>de protection contre certaines crises \u00e9conomiques <\/li>\n\n\n\n<li>de diversification du portefeuille<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Historiquement, son rendement reste inf\u00e9rieur aux actions sur le tr\u00e8s long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, il a souvent mieux r\u00e9sist\u00e9 lors de certaines p\u00e9riodes de forte inflation ou d&#8217;incertitude financi\u00e8re.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-30\"><span class=\"ez-toc-section\" id=\"Le_compte_epargne_indispensable%E2%80%A6_mais_pas_pour_devenir_riche\"><\/span>Le compte \u00e9pargne : indispensable\u2026 mais pas pour devenir riche<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte \u00e9pargne n&#8217;a pas vocation \u00e0 faire cro\u00eetre ton patrimoine. Son v\u00e9ritable r\u00f4le est beaucoup plus simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Acheter de la tranquillit\u00e9 d&#8217;esprit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il permet de financer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une panne de voiture <\/li>\n\n\n\n<li>un licenciement <\/li>\n\n\n\n<li>une urgence m\u00e9dicale <\/li>\n\n\n\n<li>une grosse facture impr\u00e9vue<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e8gle g\u00e9n\u00e9rale, les taux d&#8217;int\u00e9r\u00eat des comptes \u00e9pargne d\u00e9passent rarement l&#8217;inflation sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit : un compte-\u00e9pargne sert \u00e0 payer des impr\u00e9vus, pas \u00e0 devenir riche.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"Mon_classement_personnel\"><\/span>Mon classement personnel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment j&#8217;investirais 100 CHF par mois :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25% &#8211; ETF S&amp;P 500<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25% &#8211; ETF Global (ex. ETF VT)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% &#8211; ETF de forte croissance (ex. ETF Nasdaq)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% &#8211; ETF \u00e0 dividendes \u00e9lev\u00e9s mondiales (ex. ETF VHYL)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% &#8211; ETF de ta r\u00e9gion (Ex. ETF IMEU su tu r\u00e9sidences dans un pays europ\u00e9en)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% &#8211; SCPI europ\u00e9enne diversifi\u00e9e ou ETF REIT global<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5% &#8211; ETF Obligations mondiales (exemple ETF BNDW)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2.5% &#8211; Bitcoin<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2.5% &#8211; ETF Or (ou ETC Or)<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a958f4836d78&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a958f4836d78\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"28755\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/graphique-repartition-portefeuille-investissement\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?fit=1536%2C1024&amp;ssl=1\" data-orig-size=\"1536,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; repartition portefeuille investissement\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?resize=600%2C400&#038;ssl=1\" alt=\"Quel investissement est le plus rentable? - Portefeuille d'investissement recommand\u00e9\" class=\"wp-image-28755\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-portefeuille-investissement.png?w=1536&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-32 wp-block-paragraph\">Selon l&#8217;intelligence artificielle, en prenant compte la p\u00e9riode 2015-2025, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffdd1\" class=\"has-inline-color\">ce portefeuille d&#8217;investissement a enregistr\u00e9 un rendement approximatif de 12% par an (dividendes r\u00e9investis)<\/mark>, <\/strong>en ayant une tr\u00e8s bonne diversification et une prise de risque acceptable<strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement pass\u00e9 ne garantit pas le rendement futur. Mais c&#8217;est une analyse historique \u00e0 prendre en compte.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">En revanche, durant cette p\u00e9riode, le bitcoin a affich\u00e9 un excellent rendement qui ne se reproduira probablement pas. Un rendement annualis\u00e9 de 9-11% est donc plus prudent pour ce portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 retenir que qu&#8217;<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffed1\" class=\"has-inline-color\">un portefeuille qui g\u00e9n\u00e8re 10% annualis\u00e9, double le montant initial tous les 7,2 ans<\/mark><\/strong>. C&#8217;est-\u00e0-dire, si tu as 100&#8217;000 euros et que tu esp\u00e8res gagner 10% par an, tu aurais 200&#8217;000 euros dans 7 ans.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffecc\" class=\"has-inline-color\">Voici un tableau avec le rendement pass\u00e9 pour chaque placement financer (dividendes r\u00e9investis):<\/mark><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage du portefeuille investi<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement par ann\u00e9e esp\u00e9r\u00e9 (tr\u00e8s long terme)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Monde<\/td><td class=\"has-text-align-center\" data-align=\"center\">25%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>8\u201310 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">25%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>10\u201312 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Nasdaq<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>12\u201315 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 dividendes \u00e9lev\u00e9s mondiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>6-9%<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF de ta r\u00e9gion <\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>6-9%<\/strong><br>(Si tu r\u00e9sides en Europe)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Immobilier locatif, SCPI europ\u00e9enne diversifi\u00e9e ou ETF Reit Global<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>3\u20139 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF ou ETC Or<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>4\u20137 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>-50 \u00e0 +50%<\/strong><br>(selon p\u00e9riode analys\u00e9e)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Obligations mondiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2\u20135 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Compte \u00e9pargne<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<br>(3 mois de salaire de r\u00e9serve)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>0\u20131 %<\/strong><\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\">Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8-12% par ann\u00e9e<\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a958f483a9c7&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a958f483a9c7\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"28784\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investissement-le-plus-rentable\/graphique-repartition-et-rendement-espere-pour-chaque-placement\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?fit=1536%2C1024&amp;ssl=1\" data-orig-size=\"1536,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; repartition et rendement esp\u00e9r\u00e9 pour chaque placement\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-28784\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/10\/graphique-repartition-et-rendement-espere-pour-chaque-placement.png?w=1536&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-33 wp-block-paragraph\">Sans oublier, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffad1\" class=\"has-inline-color\">il est important de mettre de c\u00f4t\u00e9 au moins 3 mois de salaire pour les urgences financi\u00e8res, <\/mark><\/strong>car il vaut mieux utiliser son \u00e9pargne plut\u00f4t que son investissement en cas de besoin financier.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-34\"><span class=\"ez-toc-section\" id=\"Resume_de_ce_portefeuille\"><\/span><strong>R\u00e9sum\u00e9 de ce portefeuille:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un portefeuille avec un rendement annualis\u00e9 d&#8217;environ 12% sur 10 ans (je pr\u00e9vois 8-11% par an, sans garantie)<\/li>\n\n\n\n<li>Placement dans plusieurs actifs financiers (bourse, immobilier, crypto, or, etc)<\/li>\n\n\n\n<li>Il y a de nombreuses actions qui sont investies dans le monde entier<\/li>\n\n\n\n<li>Diversification \u00e9lev\u00e9e (mais principalement en bourse US)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Choisir <strong>l\u2019investissement le plus rentable<\/strong> n\u2019est pas seulement une question de performance, mais d\u2019<strong>\u00e9quilibre entre rendement, risque et diversification<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019y a pas de placement parfait : chaque option a ses points forts et faibles, et le &#8220;meilleur&#8221; d\u00e9pend de <strong>tes objectifs, de ta tol\u00e9rance au risque et de ta capacit\u00e9 \u00e0 g\u00e9rer ton portefeuille<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>ETF <\/strong>diversifi\u00e9s (comme le S&amp;P 500 ou VT) se distinguent comme <strong>le meilleur compromis<\/strong> pour la plupart des investisseurs. Ils offrent une <strong>diversification exceptionnelle<\/strong>, des <strong>frais r\u00e9duits<\/strong>, une <strong>gestion passive<\/strong> et des <strong>rendements historiques solides<\/strong> (8 \u00e0 12% par an en moyenne). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00e9tudes le confirment : sur le long terme, <strong>90% des fonds actifs sous-performent leur indice de r\u00e9f\u00e9rence<\/strong>, ce qui fait des ETF un choix \u00e0 la fois simple et efficace.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concernant l&#8217;investissement immobilier, une SCPI europ\u00e9enne ou un ETF REIT Global est simple \u00e0 g\u00e9rer, n\u00e9cessite peu de connaissances, demande un capital initial faible et offre une rentabilit\u00e9 int\u00e9ressante, bien que g\u00e9n\u00e9ralement inf\u00e9rieure \u00e0 celle d&#8217;un ETF Global multi-secteurs ou de l&#8217;ETF S&amp;P500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>cryptomonnaies<\/strong> comme le Bitcoin peuvent offrir des rendements \u00e9lev\u00e9s, mais les cryptomonnaies sont tr\u00e8s volatiles. Je recommande donc de ne pas investir plus de 5% du portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF d&#8217;obligations d&#8217;\u00c9tat mondial est un bon ajout \u00e0 un portefeuille. Bien que les rendements \u00e0 long terme ne soient pas tr\u00e8s \u00e9lev\u00e9s, c&#8217;est un investissement relativement s\u00fbr, avec une rentabilit\u00e9 de 3-5% par an et des dividendes distribu\u00e9s chaque mois (exemple ETF BNDW). En revanche, je pense qu&#8217;il ne doit pas d\u00e9passer 5% du portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019<strong>or<\/strong> joue un r\u00f4le de <strong>protection<\/strong> plut\u00f4t que de croissance. 5% du portefeuille est \u00e9galement le maximum \u00e0 detenir du portefeuille.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Mon_portefeuille_ideal_un_equilibre_intelligent\"><\/span><strong>Mon portefeuille id\u00e9al : un \u00e9quilibre intelligent<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Voici une r\u00e9partition <strong>diversifi\u00e9e, performante et adaptable<\/strong> pour un rendement annuel moyen estim\u00e9 entre <strong>8% et 12%<\/strong> (selon les p\u00e9riodes) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>25% ETF S&amp;P 500<\/strong> (croissance am\u00e9ricaine)<\/li>\n\n\n\n<li><strong>25% ETF Global<\/strong> (diversification mondiale)<\/li>\n\n\n\n<li><strong>10% ETF forte croissance<\/strong> (ex. Nasdaq)<\/li>\n\n\n\n<li><strong>10% ETF dividendes \u00e9lev\u00e9s<\/strong> (ex. ETF VHYL)<\/li>\n\n\n\n<li><strong>10% ETF r\u00e9gional<\/strong> (ex. IMEU pour l\u2019Europe)<\/li>\n\n\n\n<li><strong>10% SCPI europ\u00e9enne diversifi\u00e9 ou ETF REIT Global<\/strong> (dividendes r\u00e9guliers via des loyers immobiliers)<\/li>\n\n\n\n<li><strong>5% ETF Obligations d&#8217;\u00e9tat mondiales<\/strong> (stabilit\u00e9 + dividendes mensuels)<\/li>\n\n\n\n<li><strong>2.5% Bitcoin<\/strong> (potentiel \u00e9lev\u00e9, risque \u00e9lev\u00e9)<\/li>\n\n\n\n<li><strong>2.5% ETF Or<\/strong> (protection contre les crises)<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-vivid-red-background-color has-background wp-block-paragraph\">\ud83d\udca1 <strong>\u00c0 retenir<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un portefeuille \u00e0 <strong>10% de rendement annualis\u00e9 double ton capital tous les 7,2 ans<\/strong> (r\u00e8gle de 72).<\/li>\n\n\n\n<li><strong>Diversifie<\/strong> pour r\u00e9duire les risques sans sacrifier la performance.<\/li>\n\n\n\n<li><strong>R\u00e9investis tes dividendes<\/strong> pour profiter des int\u00e9r\u00eats compos\u00e9s, la &#8220;huiti\u00e8me merveille du monde&#8221; selon Einstein.<\/li>\n\n\n\n<li><strong>Garde 3 \u00e0 6 mois de salaire en \u00e9pargne de pr\u00e9caution<\/strong> avant d\u2019investir.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu cherches <strong>simplicit\u00e9, performance et s\u00e9r\u00e9nit\u00e9<\/strong>, les <strong>ETF mondiaux<\/strong> sont la base id\u00e9ale. Ajoute une touche d\u2019immobilier, de crypto et d\u2019or pour <strong>diversifier et prot\u00e9ger<\/strong> ton patrimoine. Et surtout, <strong>commence t\u00f4t, investis r\u00e9guli\u00e8rement et reste patient<\/strong> : le temps est ton meilleur alli\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Quel_investissement_est_le_plus_rentable\"><\/span><strong>FAQ <\/strong>: Quel investissement est le plus rentable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"Investissement_en_general\"><\/span><strong> Investissement en g\u00e9n\u00e9ral<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"Quel_est_linvestissement_le_plus_rentable_a_long_terme\"><\/span><strong>Quel est l\u2019investissement le plus rentable \u00e0 long terme ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>actions (via des ETF mondiaux comme le S&amp;P 500 ou VT)<\/strong> ont historiquement offert les <strong>meilleurs rendements<\/strong> sur le long terme (8 \u00e0 12% par an en moyenne). Cependant, ils comportent un risque de volatilit\u00e9 \u00e0 court terme. Les <strong>cryptomonnaies<\/strong> (comme le Bitcoin) ont surperform\u00e9 sur certaines p\u00e9riodes, mais leur risque est bien plus \u00e9lev\u00e9.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-37\"><span class=\"ez-toc-section\" id=\"Peut-on_devenir_riche_avec_des_investissements_passifs\"><\/span><strong>Peut-on devenir riche avec des investissements passifs ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais cela demande <strong>du temps et de la discipline<\/strong>. En r\u00e9investissant r\u00e9guli\u00e8rement dans des ETF diversifi\u00e9s et en profitant des <strong>int\u00e9r\u00eats compos\u00e9s<\/strong>, un capital peut cro\u00eetre significativement sur 10, 20 ou 30 ans. Par exemple, un rendement de 10% par an double ton capital tous les <strong>7,2 ans<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-38\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_investir_pour_vivre_de_ses_revenus_passifs\"><\/span><strong>Combien faut-il investir pour vivre de ses revenus passifs ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Cela d\u00e9pend de ton <strong>train de vie<\/strong> et de ton <strong>rendement moyen<\/strong>. Par exemple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pour vivre avec <strong>2 000 CHF\/mois<\/strong> (24 000 CHF\/an), il te faudrait un portefeuille d\u2019environ <strong>600 000 CHF<\/strong> avec un rendement moyen de <strong>4%<\/strong> (24 000 \u00f7 0,04).<\/li>\n\n\n\n<li>Avec un rendement de <strong>8%<\/strong>, tu n\u2019aurais besoin que de <strong>300 000 CHF<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-39\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_en_Suisse_ou_a_letranger\"><\/span><strong>Faut-il investir en Suisse ou \u00e0 l\u2019\u00e9tranger ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux ! Les <strong>ETF mondiaux<\/strong> (ex. VT) te donnent acc\u00e8s aux <strong>meilleures entreprises du monde<\/strong> (Apple, Microsoft, etc.), tandis qu\u2019un <strong>ETF r\u00e9gional<\/strong> (ex. IMEU pour l\u2019Europe) peut r\u00e9duire les risques de change. En Suisse, un ETF suisse (exemple SPI)<strong> <\/strong>peut aussi compl\u00e9ter ton portefeuille.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-40\"><span class=\"ez-toc-section\" id=\"Sur_les_ETF\"><\/span><strong> Sur les ETF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-41\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_ETF_sont-ils_recommandes_pour_les_debutants\"><\/span><strong>Pourquoi les ETF sont-ils recommand\u00e9s pour les d\u00e9butants ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Diversification automatique<\/strong> : Un seul ETF peut contenir des milliers d\u2019actions.<\/li>\n\n\n\n<li><strong>Frais tr\u00e8s bas<\/strong> (0,03% \u00e0 0,30% par an contre 1%+ pour les fonds actifs).<\/li>\n\n\n\n<li><strong>Gestion passive<\/strong> : Pas besoin de suivre les march\u00e9s quotidiennement.<\/li>\n\n\n\n<li><strong>Performance prouv\u00e9e<\/strong> : 90% des fonds actifs sous-performent leur indice sur 15 anstradinghours.com.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-42\"><span class=\"ez-toc-section\" id=\"Quel_ETF_choisir_pour_commencer\"><\/span><strong>Quel ETF choisir pour commencer ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pour une diversification mondiale<\/strong> : <strong>Vanguard FTSE All-World (VT)<\/strong> ou <strong>iShares MSCI World (IWDA)<\/strong>.<\/li>\n\n\n\n<li><strong>Pour les \u00c9tats-Unis<\/strong> : <strong>iShares S&amp;P 500 (VOO)<\/strong>.<\/li>\n\n\n\n<li><strong>Pour les dividendes<\/strong> : <strong>Vanguard FTSE All-World High Dividend Yield (VHYL)<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-43\"><span class=\"ez-toc-section\" id=\"ETF_a_capitalisation_ou_a_distribution\"><\/span><strong>ETF \u00e0 capitalisation ou \u00e0 distribution ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF \u00e0 capitalisation si tu ne souhaites pas r\u00e9investir les dividendes toi-m\u00eame.<\/li>\n\n\n\n<li>ETF \u00e0 distribution si tu souhaites r\u00e9investir toi-m\u00eame les dividendes<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-44\"><span class=\"ez-toc-section\" id=\"Sur_limmobilier\"><\/span><strong>Sur l\u2019immobilier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-45\"><span class=\"ez-toc-section\" id=\"Immobilier_locatif_SCPI_ou_ETF_REIT_lequel_choisir\"><\/span><strong>Immobilier locatif, SCPI ou ETF REIT : lequel choisir ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Immobilier locatif<\/th><th class=\"has-text-align-center\" data-align=\"center\">SCPI<\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF REIT Global<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement brut<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3\u20139%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3\u20138%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4\u201310%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Temps de gestion<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Montant minimum<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Diversification<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Liquidit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible \u00e0 moyenne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Choisis<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Immobilier locatif<\/strong> si tu as du temps, un budget \u00e9lev\u00e9 et que tu veux contr\u00f4ler ton investissement.<\/li>\n\n\n\n<li><strong>SCPI ou ETF REIT<\/strong> si tu veux un <strong>revenu passif<\/strong> sans gestion active.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-46\"><span class=\"ez-toc-section\" id=\"Les_SCPI_sont-elles_un_bon_investissement_en_Suisse\"><\/span><strong>Les SCPI sont-elles un bon investissement en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages<\/strong> : Revenus r\u00e9guliers, gestion passive, diversification immobili\u00e8re.<\/li>\n\n\n\n<li><strong>Inconv\u00e9nients<\/strong> : Frais d\u2019entr\u00e9e \u00e9lev\u00e9s (5\u201310%), liquidit\u00e9 limit\u00e9e, fiscalit\u00e9 \u00e0 \u00e9tudier (imp\u00f4t sur les revenus fonciers en Suisse).<br>\ud83d\udc49 <strong>Pr\u00e9f\u00e8re une SCPI europ\u00e9enne diversifi\u00e9e<\/strong> pour r\u00e9duire les risques.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, l&#8217;imposition peut \u00eatre tr\u00e8s diff\u00e9rente d&#8217;une SCPI \u00e0 l&#8217;autre. Choisir une SCPI avec une imposition optimis\u00e9e peut te faire gagner des milliers d&#8217;Euros par an. <\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-47\"><span class=\"ez-toc-section\" id=\"Sur_les_cryptomonnaies_et_lor\"><\/span><strong>Sur les cryptomonnaies et l\u2019or<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-48\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_dans_le_Bitcoin\"><\/span><strong>Faut-il investir dans le Bitcoin ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Oui, mais avec prudence<\/strong> : Alloue <strong>max 2\u20135% de ton portefeuille<\/strong> (comme dans l\u2019exemple).<\/li>\n\n\n\n<li><strong>Pourquoi ?<\/strong> : Potentiel de rendement \u00e9lev\u00e9, mais <strong>volatilit\u00e9 extr\u00eame<\/strong> (ex. -70% en 2022).<\/li>\n\n\n\n<li><strong>Strat\u00e9gie<\/strong> : Investis r\u00e9guli\u00e8rement (DCA) et <strong>ne mets que ce que tu peux te permettre de perdre<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-49\"><span class=\"ez-toc-section\" id=\"A_quoi_sert_lor_dans_un_portefeuille\"><\/span><strong>\u00c0 quoi sert l\u2019or dans un portefeuille ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Protection<\/strong> contre l\u2019inflation et les crises \u00e9conomiques.<\/li>\n\n\n\n<li><strong>Diversification<\/strong> (l\u2019or a une corr\u00e9lation faible avec les actions).<\/li>\n\n\n\n<li><strong>Rendement<\/strong> : Historiquement <strong>4\u20137% par an<\/strong> (moins que les actions, mais plus stable).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-50\"><span class=\"ez-toc-section\" id=\"Sur_la_gestion_du_portefeuille\"><\/span><strong>Sur la gestion du portefeuille<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-51\"><span class=\"ez-toc-section\" id=\"Combien_de_temps_faut-il_pour_gerer_son_portefeuille\"><\/span><strong>Combien de temps faut-il pour g\u00e9rer son portefeuille ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu as un portefeuille d&#8217;ETF et de SCPI, 5 minutes par mois suffisent.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-52\"><span class=\"ez-toc-section\" id=\"Quand_faut-il_reequilibrer_son_portefeuille\"><\/span><strong>Quand faut-il r\u00e9\u00e9quilibrer son portefeuille ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tous les 6 mois<\/strong> : V\u00e9rifie que tes allocations (ex. 25% ETF S&amp;P 500) sont toujours respect\u00e9es.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-53\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_en_une_fois_ou_progressivement\"><\/span><strong>Faut-il investir en une fois ou progressivement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Investis une fois par mois, sans sp\u00e9culer. C&#8217;est souvent la meilleure strat\u00e9gie \u00e0 long terme. En plus, cela r\u00e9duit le risque \u00e9motionnel (DCA).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-54\"><span class=\"ez-toc-section\" id=\"Fiscalite_et_epargne\"><\/span><strong>Fiscalit\u00e9 et \u00e9pargne<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-55\"><span class=\"ez-toc-section\" id=\"Comment_sont_imposes_les_ETF_en_Suisse\"><\/span><strong>Comment sont impos\u00e9s les ETF en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dividendes<\/strong> : L&#8217;imp\u00f4t anticip\u00e9 sur les dividendes varie selon le pays originaire du dividende, allant de 0% \u00e0 <strong>35%<\/strong>. Cependant, apr\u00e8s avoir rempli les imp\u00f4ts, les dividendes sont g\u00e9n\u00e9ralement impos\u00e9s \u00e0 un taux effectif de 12% \u00e0 15%.<\/li>\n\n\n\n<li><strong>Plus-values<\/strong> : <strong>Exon\u00e9r\u00e9es<\/strong> (sauf si tu es consid\u00e9r\u00e9 comme un &#8220;trader professionnel&#8221;).<\/li>\n\n\n\n<li><strong>Fonds de placement<\/strong> : Imp\u00f4t sur la <strong>valeur nette<\/strong> (varie selon le canton).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-56\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_epargner_avant_dinvestir\"><\/span><strong>Combien faut-il \u00e9pargner avant d\u2019investir ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9pargne de pr\u00e9caution<\/strong> : <strong>3 \u00e0 6 mois de salaire<\/strong> sur un compte \u00e9pargne (pour les urgences).<\/li>\n\n\n\n<li><strong>Investissement<\/strong> : Commence d\u00e8s que tu as un <strong>capital de d\u00e9part<\/strong> (m\u00eame 100 CHF\/mois en ETF).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-57\"><span class=\"ez-toc-section\" id=\"Erreurs_a_eviter\"><\/span><strong>Erreurs \u00e0 \u00e9viter<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-58\"><span class=\"ez-toc-section\" id=\"Quelles_sont_les_pires_erreurs_en_investissement\"><\/span><strong>Quelles sont les pires erreurs en investissement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ne pas diversifier<\/strong> (ex. tout miser sur une seule action ou crypto).<\/li>\n\n\n\n<li><strong>Vouloir timing le march\u00e9<\/strong> (personne ne pr\u00e9dit les crashes ou les hausses).<\/li>\n\n\n\n<li><strong>Ignorer les frais<\/strong> (les frais \u00e9lev\u00e9s mangent tes rendements sur le long terme).<\/li>\n\n\n\n<li><strong>Panic selling<\/strong> (vendre en p\u00e9riode de baisse par peur).<\/li>\n\n\n\n<li><strong>Suivre les modes<\/strong> (ex. acheter du Bitcoin au sommet par FOMO).<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-59\"><span class=\"ez-toc-section\" id=\"Peut-on_perdre_tout_son_argent_en_investissant\"><\/span><strong>Peut-on perdre tout son argent en investissant ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Oui, mais c\u2019est tr\u00e8s rare si tu diversifies les actifs<\/strong> (ex. ETF mondiaux + ETF immobilier global + or).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le plus souvent, ceux qui perdent tout leur argent en investissant, ce sont ceux qui ne diversifient pas assez leur portefeuille. Par exemple, investir tout son argent dans une action, un seul projet immobilier ou uniquement sur du bitcoin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-60\"><span class=\"ez-toc-section\" id=\"Quel_investissement_est_le_plus_rentable\"><\/span>Quel investissement est le plus rentable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong> \u270d<\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=11646\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/\">Comment optimiser son 2\u00e8me pilier?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/\">Comment investir avec un petit budget?<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-61 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-62\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Quel est l&#8217;objectif de ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Le but est de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-63 wp-block-paragraph\">Quel investissement est le plus rentable?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are many investment opportunities. The main question is\u2026 Which investment is the most profitable? In this article, we will analyze the most common assets, such as stocks, ETFs, real estate, gold, and cryptocurrency.<\/p>","protected":false},"author":215552267,"featured_media":28855,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":28860,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728543933,728542814,728542878,728542816,728545639,728544534,728545063,728543611,728544347,728542815,728545201,728543629,728545216,728545640,728543938],"class_list":["post-11646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-bitcoin","tag-bourse","tag-diversification","tag-etf","tag-etf-monde","tag-etf-reit","tag-finance-personnelle","tag-immobilier","tag-interets-composes","tag-investissement","tag-investissement-immobilier","tag-patrimoine","tag-revenus-passifs","tag-sp-500","tag-scpi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quel investissement est le plus rentable? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Une fois compris l&#039;importance d&#039;investir. 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