{"id":1217,"date":"2025-01-13T14:03:13","date_gmt":"2025-01-13T13:03:13","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=1217"},"modified":"2026-07-02T13:23:12","modified_gmt":"2026-07-02T11:23:12","slug":"should-invest-savings-account","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/","title":{"rendered":"Should I invest in a savings account?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>Investir dans un compte \u00e9pargne? Est-ce un bon ou mauvais investissement?<\/strong> \ud83e\udd14<\/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\/investir-dans-compte-epargne\/#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\/investir-dans-compte-epargne\/#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\/investir-dans-compte-epargne\/#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\/investir-dans-compte-epargne\/#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\/investir-dans-compte-epargne\/#Le_compte_%E2%80%A6_epargne\" >Le compte &#8230; \u00e9pargne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Frais_bancaires\" >Frais bancaires<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Inflation\" >Inflation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Limite_de_25000_CHF\" >Limite de 25&#8217;000 CHF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#La_verite_concernant_investir_dans_un_compte_bancaire\" >La v\u00e9rit\u00e9 concernant investir dans un compte bancaire<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Dans_ce_cas_que_pouvons_nous_faire\" >Dans ce cas, que pouvons nous faire ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Exemple_dinvestissement_simple\" >Exemple d&#8217;investissement simple<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Faut-il_posseder_de_largent_dans_un_compte_epargne\" >Faut-il poss\u00e9der de l&#8217;argent dans un compte \u00e9pargne?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Choisir_une_banque_Toujours_sans_frais_dentretien\" >Choisir une banque = Toujours sans frais d&#8217;entretien<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#FAQ_Doit-on_investir_dans_un_compte_epargne\" >FAQ : Doit-on investir dans un compte \u00e9pargne?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Pourquoi_un_compte_epargne_ne_suffit-il_pas_pour_faire_fructifier_son_argent\" >Pourquoi un compte \u00e9pargne ne suffit-il pas pour faire fructifier son argent ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Un_compte_epargne_est-il_un_bon_investissement\" >Un compte \u00e9pargne est-il un bon investissement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Pourquoi_linflation_fait-elle_perdre_de_largent_sur_un_compte_epargne\" >Pourquoi l&#8217;inflation fait-elle perdre de l&#8217;argent sur un compte \u00e9pargne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Faut-il_garder_de_largent_sur_un_compte_epargne\" >Faut-il garder de l&#8217;argent sur un compte \u00e9pargne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Combien_faut-il_conserver_sur_un_compte_epargne\" >Combien faut-il conserver sur un compte \u00e9pargne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Pourquoi_investir_est-il_souvent_plus_rentable_quun_compte_epargne\" >Pourquoi investir est-il souvent plus rentable qu&#8217;un compte \u00e9pargne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Les_frais_bancaires_peuvent-ils_annuler_les_interets_dun_compte_epargne\" >Les frais bancaires peuvent-ils annuler les int\u00e9r\u00eats d&#8217;un compte \u00e9pargne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Pourquoi_choisir_une_banque_sans_frais_de_tenue_de_compte\" >Pourquoi choisir une banque sans frais de tenue de compte ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Peut-on_investir_tout_son_argent\" >Peut-on investir tout son argent ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Quel_est_le_meilleur_placement_apres_une_epargne_de_securite\" >Quel est le meilleur placement apr\u00e8s une \u00e9pargne de s\u00e9curit\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Pourquoi_le_troisieme_pilier_investi_est-il_souvent_plus_performant_quun_compte_epargne\" >Pourquoi le troisi\u00e8me pilier investi est-il souvent plus performant qu&#8217;un compte \u00e9pargne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Un_compte_epargne_protege-t-il_contre_linflation\" >Un compte \u00e9pargne prot\u00e8ge-t-il contre l&#8217;inflation ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Faut-il_investir_meme_avec_une_petite_somme\" >Faut-il investir m\u00eame avec une petite somme ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Pourquoi_est-il_important_de_commencer_a_investir_tot\" >Pourquoi est-il important de commencer \u00e0 investir t\u00f4t ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Compte_epargne_ou_investissement_que_choisir\" >Compte \u00e9pargne ou investissement : que choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/#Doit-on_investir_dans_un_compte_epargne\" >Doit-on investir dans un compte \u00e9pargne?<\/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<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#06091f\">\u26a0 <strong>Investir comporte un risque de perte d&#8217;argent. Je ne suis pas responsable de tes choix financiers.<\/strong><\/h6>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_compte_%E2%80%A6_epargne\"><\/span><strong>Le compte &#8230; \u00e9pargne<\/strong> ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En premier lieu, je pense qu&#8217;un compte \u00e9pargne porte mal son nom \ud83d\ude36<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon opinion, dans le meilleur des cas, un compte \u00e9pargne est un compte r\u00e9serve avec des int\u00e9r\u00eats positifs.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, selon un article de moneyland<a href=\"https:\/\/www.moneyland.ch\/fr\/meilleur-taux-interet-suisse\">1<\/a>, peu de banques offrent un taux d&#8217;int\u00e9r\u00eat sup\u00e9rieur \u00e0 1% par an, g\u00e9n\u00e9ralement vers\u00e9 le 31 d\u00e9cembre.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Certains diront&#8230;<\/p>\n\n\n\n<p class=\"has-text-align-center has-pale-cyan-blue-color has-text-color wp-block-paragraph\"><strong>Mais c&#8217;est G\u00e9nial, c&#8217;est quand m\u00eame 1% d&#8217;\u00e9pargne annuelle gagn\u00e9 sur mon compte \u00e9pargne&#8230;<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu penses comme \u00e7a, prenons un exemple.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-background has-link-color wp-elements-1 wp-block-paragraph\" style=\"background-color:#270606\">\ud83d\udc49 <strong>Tu as 10&#8217;000 CHF dans le compte, et \u00e0 la fin de l&#8217;ann\u00e9e, la banque t&#8217;offre 1% d&#8217;int\u00e9r\u00eat. Tu obtiens donc 10&#8217;100 CHF, c&#8217;est-\u00e0-dire un gain de 100 CHF.<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\"><strong>Maintenant, prenons en compte 3 d\u00e9tails importants<\/strong>:<\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frais bancaires<\/li>\n\n\n\n<li>Inflation<\/li>\n\n\n\n<li>Limite concernant le taux d&#8217;int\u00e9r\u00eat<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Frais_bancaires\"><\/span><strong>Frais bancaires<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>Certaines banques demandent des frais bancaires cons\u00e9quents !<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Prenons l&#8217;exemple d&#8217;une banque qui demande 100 CHF par an en frais. Ces frais concernent seulement le maintien du compte et de la carte.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\">Notons que &#8211; 100 CHF pour le maintien du compte + 100 CHF avec les int\u00e9r\u00eats. Du coup, on est \u00e0 &#8230; 0 CHF.<\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Ce n&#8217;est plus un compte d&#8217;\u00e9pargne car tu n&#8217;\u00e9pargnes pas vraiment. Mais continuons&#8230;<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Inflation\"><\/span><strong>Inflation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>Notons que dans la majorit\u00e9 des pays, l&#8217;inflation augmente en moyenne entre 1 et 3% par ann\u00e9e.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cette inflation est invisible mais elle existe ! Par exemple, l&#8217;augmentation des primes d&#8217;assurance-maladie, du pain, de l&#8217;immobilier, de l&#8217;essence etc.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Disons que l&#8217;inflation a augment\u00e9 de 2%. Si tu d\u00e9penses par exemple 40&#8217;000 CHF par ann\u00e9e. C&#8217;est 800 CHF de plus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Limite_de_25000_CHF\"><\/span><strong>Limite de 25&#8217;000 CHF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Le dernier d\u00e9tail \u00e0 consid\u00e9rer est que la plupart des banques proposent un taux d&#8217;int\u00e9r\u00eat, mais en Suisse, il est souvent limit\u00e9 \u00e0 25&#8217;000 CHF.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par cons\u00e9quent, \u00e0 partir de 25&#8217;001 CHF. La banque te rapportera une \u00e9pargne annuelle de 0 CHF.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"La_verite_concernant_investir_dans_un_compte_bancaire\"><\/span><strong>La v\u00e9rit\u00e9 concernant investir dans un compte bancaire<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\"><strong>Pour conclure, si on analyse le tout avec le capital de 10&#8217;000 CHF.<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>+ 100 CHF d&#8217;int\u00e9r\u00eat (solde bancaire 10&#8217;000 CHF)<\/li>\n\n\n\n<li>&#8211; 100 CHF frais de manutention du compte bancaire<\/li>\n\n\n\n<li>&#8211; 800 CHF d&#8217;inflation<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"border-width:4px;background-color:#06263599\">\u25b6 <strong>R\u00e9sultat, &#8211; 800 CHF!<\/strong><\/h6>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fca6c4572&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fca6c4572\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"28565\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a43ca1ab6071\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.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=\"minimaliste-et-frugaliste-6a43ca1ab6071\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.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\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?resize=600%2C600&#038;ssl=1\" alt=\"Sch\u00e9ma minimal int\u00e9r\u00eats frais inflation r\u00e9sultat\" class=\"wp-image-28565\" style=\"width:246px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43ca1ab6071.png?w=1024&amp;ssl=1 1024w\" 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-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>Dans cet exemple, qui refl\u00e8te la r\u00e9alit\u00e9, le client a perdu 800 CHF sur son compte \u00e9pargne malgr\u00e9 un solde de 10&#8217;000 CHF et un int\u00e9r\u00eat de 100 CHF<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color\"><span class=\"ez-toc-section\" id=\"Dans_ce_cas_que_pouvons_nous_faire\"><\/span>Dans ce cas, que pouvons nous faire ?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-pale-pink-color has-text-color wp-block-paragraph\">\u27a1 <strong>J&#8217;ai toujours insist\u00e9 que, selon mon avis, le pire des investissement est de ne pas investir !<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fca6c5998&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fca6c5998\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"28570\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a43cab54552b\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.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=\"minimaliste-et-frugaliste-6a43cab54552b\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.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\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?resize=600%2C600&#038;ssl=1\" alt=\"Graphique simple texte: Ne pas investir est pire investissement\" class=\"wp-image-28570\" style=\"width:208px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43cab54552b.png?w=1024&amp;ssl=1 1024w\" 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-text-align-center wp-block-paragraph\">Apr\u00e8s une formation financi\u00e8re, investir est obligatoire afin de cro\u00eetre son argent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Exemple_dinvestissement_simple\"><\/span><strong>Exemple d&#8217;investissement simple<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Imaginons que tu n&#8217;as pas besoin de tes 10&#8217;000 CHF dans ton compte bancaore et que tu souhaites l&#8217;investir.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>C&#8217;est-\u00e0-dire, tu ne vas pas toucher cet argent pendant un moment, disons 5 ans. Et tu le laisses fructifier avec des placements financiers.<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\" style=\"border-width:4px\"><strong>Je vais prendre un exemple avec Global 100 de Viac. C&#8217;est un compte 3a qui investi en bourse le 99% de ton argent.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Voici les b\u00e9n\u00e9fices annuels moyens en 1, 3, 5 et 10 ans (au moment de l&#8217;\u00e9criture de cet article (2023))<\/strong> \ud83d\ude09<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fca6c6a90&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fca6c6a90\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"108\" data-attachment-id=\"7015\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-dans-compte-epargne\/capture-retour-viac-100\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/05\/Capture-retour-viac-100.png?fit=228%2C108&amp;ssl=1\" data-orig-size=\"228,108\" 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=\"Capture retour viac 100\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/05\/Capture-retour-viac-100.png?fit=228%2C108&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\/2022\/05\/Capture-retour-viac-100.png?resize=228%2C108&#038;ssl=1\" alt=\"Investir dans un compte \u00e9pargne ? - retour viac 100 global\n\" class=\"has-border-color has-vivid-red-border-color wp-image-7015\" style=\"border-width:10px;border-radius:30px;aspect-ratio:1.9674385681059763;width:384px;height:auto\"\/><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-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\">\u27a1 <strong>Dans cet exemple, en 5 ans, c&#8217;est 4.9% annualis\u00e9<\/strong> \u2757<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ensuite, j&#8217;ai utilis\u00e9 le calculateur d&#8217;int\u00e9r\u00eats de Moneyland pour 10&#8217;000 CHF avec des taux d&#8217;int\u00e9r\u00eat de 1 % et 4,9% sur 5 ans.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\"><strong>Voici le r\u00e9sultat<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:13px\"><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\">1% annualis\u00e9 <br>(compte bancaire)<\/th><th class=\"has-text-align-center\" data-align=\"center\">4.9% annualis\u00e9<br>(3a global 100 sur 5 ans)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Int\u00e9r\u00eats en 5 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">510 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&#8217;702 CHF<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total <\/strong><br>(avec 10&#8217;000 CHF de d\u00e9part)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>10&#8217;510 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>12&#8217;702 CHF<\/strong><\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Nous voyons qu&#8217;un compte 3a global 100 est g\u00e9n\u00e9ralement bien plus rentable qu&#8217;un compte \u00e9pargne.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En plus, le compte 3a permet aussi de r\u00e9duire les imp\u00f4ts pour un r\u00e9sident suisse.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Faut-il_posseder_de_largent_dans_un_compte_epargne\"><\/span><strong>Faut-il poss\u00e9der de l&#8217;argent dans un compte \u00e9pargne?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-background-background-color has-text-color has-background\">\ud83d\udc49 <strong>Oui ! Il faut en effet poss\u00e9der un peu d&#8217;argent de c\u00f4t\u00e9 pour les impr\u00e9vus, afin d&#8217;avoir une r\u00e9serve concernant les frais auxquels on ne s&#8217;attend pas<\/strong> !<\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Comme par exemple : les frais pour le dentiste, le m\u00e9decin ou la r\u00e9paration d&#8217;une voiture.<\/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:#fffadb\" class=\"has-inline-color\">Je pense qu&#8217;il soit n\u00e9cessaire d&#8217;avoir 3 \u00e0 6 mois de salaire de r\u00e9serve. <\/mark><\/strong>Ensuite, Il vaut mieux investir son argent.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fca6c9d86&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fca6c9d86\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"28558\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a43c8da7605e\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.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=\"Emergency fund strategy and investment plan\" data-image-description=\"&lt;p&gt;The infographic presents a financial plan divided into two phases: saving an emergency fund equivalent to three net monthly salaries, followed by starting progressive investments once the reserve is secured. Phase 1 illustrates accumulating net salaries 1 to 3 securely into an emergency fund. Phase 2 depicts using available capital to begin monthly automatic investments in various assets like stocks, ETFs, real estate, and cryptocurrencies, aiming for long-term wealth growth. The visual uses colors, icons, and graphs to show money flow, secured funds, and successful investing milestones.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;An infographic explaining how to build a three-month emergency fund before starting to invest progressively&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.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\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?resize=600%2C600&#038;ssl=1\" alt=\"Infographic showing steps to save three net salaries as emergency fund and then progressively invest for long-term growth\" class=\"wp-image-28558\" style=\"width:336px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-6a43c8da7605e.png?w=1024&amp;ssl=1 1024w\" 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<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Choisir_une_banque_Toujours_sans_frais_dentretien\"><\/span><strong>Choisir une banque = Toujours sans frais d&#8217;entretien<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\"><strong>Je pense que tu as compris l&#8217;utilit\u00e9 de poss\u00e9der un compte bancaire sans frais d&#8217;entretien \u2757<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">L&#8217;objetif est d&#8217;\u00e9conomiser avec les frais bancaires.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, au moment o\u00f9 j&#8217;\u00e9cris ces lignes, les seuls comptes bancaires suisses sans frais d&#8217;entretien sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zak, version gratuite<\/li>\n\n\n\n<li>Neon, version rouge<\/li>\n\n\n\n<li>Yuh<\/li>\n\n\n\n<li>Wir, version gratuite<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En plus, ils ont des fonctionnalit\u00e9s tr\u00e8s int\u00e9ressantes concernant les placements, le montant d&#8217;\u00e9pargne et la gestion de patrimoine.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">J&#8217;ai \u00e9crit des articles concernant mes banques favorites sur ma page <a href=\"https:\/\/minimalistefrugaliste.com\/epargne-frugalisme\/\"><em>\u00e9pargne \/ frugaliste<\/em><\/a>.<\/p>\n\n\n\n<figure style=\"margin-top:var(--wp--preset--spacing--50);margin-right:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);margin-left:var(--wp--preset--spacing--50);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-a1c179e3-7a8f-4c58-a550-fbfa1e9a56cc.mp4\" playsinline><\/video><\/figure>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-primary-color has-vivid-red-background-color has-text-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=\"has-text-align-center wp-block-paragraph\">Doit-on investir dans un compte \u00e9pargne? Non !<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\ud83d\udc49 <strong>Poss\u00e9der un compte \u00e9pargne ne permet pas d&#8217;\u00e9pargner si tu as des frais annuels inclus !<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Et avec une banque qui a un taux d&#8217;int\u00e9r\u00eat sans frais, cela aide financi\u00e8rement, mais ce n&#8217;est pas suffisant pour compenser l&#8217;inflation !<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">Selon mon avis, il est pr\u00e9f\u00e9rable d&#8217;investir, par exemple, dans un compte 3a Global 100 de Viac (environ 6-8% par an en 10 ans).<\/h6>\n\n\n\n<p class=\"has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\"><strong>\u27a1 En revanche, ne pas oublier de garder \u00e9pargne de pr\u00e9caution dans un compte bancaire pour les impr\u00e9vus financiers. Je conseille d&#8217;avoir en r\u00e9serve 3 \u00e0 6 mois de d\u00e9penses mensuelles.<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#06091f\">\u26a0 <strong>Investir comporte un risque de perte d&#8217;argent. Je ne suis pas responsable de tes choix financiers.<\/strong><\/h6>\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_Doit-on_investir_dans_un_compte_epargne\"><\/span><strong>FAQ : Doit-on investir dans un compte \u00e9pargne?<\/strong><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-5\"><span class=\"ez-toc-section\" id=\"Pourquoi_un_compte_epargne_ne_suffit-il_pas_pour_faire_fructifier_son_argent\"><\/span>Pourquoi un compte \u00e9pargne ne suffit-il pas pour faire fructifier son argent ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte \u00e9pargne permet principalement de conserver une r\u00e9serve financi\u00e8re disponible. Cependant, son taux d&#8217;int\u00e9r\u00eat est souvent inf\u00e9rieur \u00e0 l&#8217;inflation, ce qui signifie que ton pouvoir d&#8217;achat diminue progressivement malgr\u00e9 les int\u00e9r\u00eats per\u00e7us.<\/p>\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-6\"><span class=\"ez-toc-section\" id=\"Un_compte_epargne_est-il_un_bon_investissement\"><\/span>Un compte \u00e9pargne est-il un bon investissement ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non. Un compte \u00e9pargne est avant tout un outil de s\u00e9curit\u00e9 et non un v\u00e9ritable investissement. Son objectif est de prot\u00e9ger ton argent \u00e0 court terme, pas de g\u00e9n\u00e9rer un rendement \u00e9lev\u00e9.<\/p>\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-7\"><span class=\"ez-toc-section\" id=\"Pourquoi_linflation_fait-elle_perdre_de_largent_sur_un_compte_epargne\"><\/span>Pourquoi l&#8217;inflation fait-elle perdre de l&#8217;argent sur un compte \u00e9pargne ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque l&#8217;inflation est sup\u00e9rieure au taux d&#8217;int\u00e9r\u00eat de ton compte, le prix des biens et des services augmente plus vite que ton capital. M\u00eame si ton solde bancaire progresse l\u00e9g\u00e8rement, ton pouvoir d&#8217;achat diminue.<\/p>\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-8\"><span class=\"ez-toc-section\" id=\"Faut-il_garder_de_largent_sur_un_compte_epargne\"><\/span>Faut-il garder de l&#8217;argent sur un compte \u00e9pargne ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Il est recommand\u00e9 de conserver une \u00e9pargne de pr\u00e9caution repr\u00e9sentant environ trois \u00e0 six mois de d\u00e9penses. Cette r\u00e9serve permet de faire face aux impr\u00e9vus sans devoir vendre ses investissements.<\/p>\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-9\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_conserver_sur_un_compte_epargne\"><\/span>Combien faut-il conserver sur un compte \u00e9pargne ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant d\u00e9pend de ta situation personnelle. En r\u00e8gle g\u00e9n\u00e9rale, les sp\u00e9cialistes recommandent une r\u00e9serve comprise entre trois et six mois de d\u00e9penses courantes.<\/p>\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-10\"><span class=\"ez-toc-section\" id=\"Pourquoi_investir_est-il_souvent_plus_rentable_quun_compte_epargne\"><\/span>Pourquoi investir est-il souvent plus rentable qu&#8217;un compte \u00e9pargne ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les investissements, comme les ETF, quelques actions ou certains fonds, offrent historiquement un rendement sup\u00e9rieur aux comptes \u00e9pargne sur le long terme. En contrepartie, ils comportent un risque de perte en capital.<\/p>\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-11\"><span class=\"ez-toc-section\" id=\"Les_frais_bancaires_peuvent-ils_annuler_les_interets_dun_compte_epargne\"><\/span>Les frais bancaires peuvent-ils annuler les int\u00e9r\u00eats d&#8217;un compte \u00e9pargne ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Si les frais de tenue de compte sont \u00e9quivalents ou sup\u00e9rieurs aux int\u00e9r\u00eats gagn\u00e9s, ton rendement r\u00e9el peut devenir nul, voire n\u00e9gatif.<\/p>\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-12\"><span class=\"ez-toc-section\" id=\"Pourquoi_choisir_une_banque_sans_frais_de_tenue_de_compte\"><\/span>Pourquoi choisir une banque sans frais de tenue de compte ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une banque sans frais permet de conserver l&#8217;int\u00e9gralit\u00e9 des int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par ton compte. R\u00e9duire les frais est une mani\u00e8re simple d&#8217;am\u00e9liorer ta situation financi\u00e8re.<\/p>\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-13\"><span class=\"ez-toc-section\" id=\"Peut-on_investir_tout_son_argent\"><\/span>Peut-on investir tout son argent ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non. Il est pr\u00e9f\u00e9rable de conserver une \u00e9pargne de s\u00e9curit\u00e9 facilement accessible avant d&#8217;investir le reste de ton capital sur le long terme.<\/p>\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-14\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_placement_apres_une_epargne_de_securite\"><\/span>Quel est le meilleur placement apr\u00e8s une \u00e9pargne de s\u00e9curit\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n&#8217;existe pas de placement universel. Selon ton profil de risque, tu peux envisager des ETF diversifi\u00e9s, un troisi\u00e8me pilier investi en bourse (en Suisse), l&#8217;immobilier ou d&#8217;autres investissements adapt\u00e9s \u00e0 tes objectifs.<\/p>\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-15\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_troisieme_pilier_investi_est-il_souvent_plus_performant_quun_compte_epargne\"><\/span>Pourquoi le troisi\u00e8me pilier investi est-il souvent plus performant qu&#8217;un compte \u00e9pargne ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sur le long terme, un troisi\u00e8me pilier investi en actions ou en ETF peut offrir un rendement sup\u00e9rieur gr\u00e2ce aux performances des march\u00e9s financiers. Il b\u00e9n\u00e9ficie \u00e9galement d&#8217;avantages fiscaux pour les r\u00e9sidents suisses, tout en restant soumis au risque de march\u00e9.<\/p>\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-16\"><span class=\"ez-toc-section\" id=\"Un_compte_epargne_protege-t-il_contre_linflation\"><\/span>Un compte \u00e9pargne prot\u00e8ge-t-il contre l&#8217;inflation ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la majorit\u00e9 des cas, non. Les taux propos\u00e9s par les banques restent g\u00e9n\u00e9ralement inf\u00e9rieurs \u00e0 l&#8217;inflation, ce qui entra\u00eene une perte progressive de pouvoir d&#8217;achat.<\/p>\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-17\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_meme_avec_une_petite_somme\"><\/span>Faut-il investir m\u00eame avec une petite somme ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Il est possible de commencer \u00e0 investir avec quelques dizaines ou centaines de francs par mois. La r\u00e9gularit\u00e9 et la dur\u00e9e d&#8217;investissement sont souvent plus importantes que le montant de d\u00e9part.<\/p>\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-18\"><span class=\"ez-toc-section\" id=\"Pourquoi_est-il_important_de_commencer_a_investir_tot\"><\/span>Pourquoi est-il important de commencer \u00e0 investir t\u00f4t ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Plus tu investis t\u00f4t, plus les int\u00e9r\u00eats compos\u00e9s ont le temps d&#8217;agir. M\u00eame de petits investissements r\u00e9guliers peuvent produire un patrimoine important apr\u00e8s plusieurs d\u00e9cennies.<\/p>\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-19\"><span class=\"ez-toc-section\" id=\"Compte_epargne_ou_investissement_que_choisir\"><\/span>Compte \u00e9pargne ou investissement : que choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux sont compl\u00e9mentaires. Le compte \u00e9pargne sert \u00e0 financer les impr\u00e9vus et \u00e0 s\u00e9curiser ton quotidien, tandis que l&#8217;investissement permet de faire cro\u00eetre ton patrimoine sur le long terme. L&#8217;id\u00e9al est donc de constituer d&#8217;abord une \u00e9pargne de s\u00e9curit\u00e9, puis d&#8217;investir progressivement le surplus de ton capital.<\/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-20\"><span class=\"ez-toc-section\" id=\"Doit-on_investir_dans_un_compte_epargne\"><\/span>Doit-on investir dans un compte \u00e9pargne?<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><\/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=1217\" 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\/investir-etranger-taux-change-ne-dit-pas\/\">Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas<\/a><\/li>\n<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<\/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-21 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-22\"><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\">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<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin 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-23 wp-block-paragraph\">Doit-on investir dans un compte \u00e9pargne?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Should we invest in a savings account? Is a savings account an investment? Here is an article that summarizes these questions \ud83d\ude09<\/p>","protected":false},"author":215552267,"featured_media":16003,"comment_status":"open","ping_status":"open","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":28664,"_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":[33815964,725575],"tags":[],"class_list":["post-1217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frugalisme","category-investissement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Doit-on investir dans un compte \u00e9pargne? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Doit-on investir dans un compte \u00e9pargne? 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