{"id":12203,"date":"2024-08-21T15:18:32","date_gmt":"2024-08-21T13:18:32","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=12203"},"modified":"2026-08-27T11:52:18","modified_gmt":"2026-08-27T09:52:18","slug":"how-to-invest-diversified-version","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/","title":{"rendered":"How to invest 1200 CHF \u2013 Diversified version"},"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 n\u2019y a pas besoin d\u2019avoir une strat\u00e9gie ultra-complexe pour bien investir. Dans cet article, d\u00e9couvrez comment investir 1200 CHF par mois avec une version diversifi\u00e9e, passive et automatisable, tout en gardant une gestion simple et efficace.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom 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\/comment-investir-version-diversifiee\/#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\/comment-investir-version-diversifiee\/#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\/comment-investir-version-diversifiee\/#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\/comment-investir-version-diversifiee\/#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\/comment-investir-version-diversifiee\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#%E2%9A%A0%EF%B8%8F_Avant_de_lire_cet_article\" >\u26a0\ufe0f Avant de lire cet article<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Investir_avec_une_strategie_diversifiee\" >Investir avec une strat\u00e9gie diversifi\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Comment_investir_1200_CHF_par_mois\" >Comment investir 1200 CHF par mois ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Repartition_par_classe_dactifs\" >R\u00e9partition par classe d\u2019actifs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#400_CHF_Pilier_3a_investi_en_actions_Global_100\" >400 CHF : Pilier 3a investi en actions (Global 100)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#350_CHF_ETF_mondial_actions_VT\" >350 CHF : ETF mondial actions (VT)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#200_CHF_ETF_immobilier_mondial_REIT\" >200 CHF : ETF immobilier mondial (REIT)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#150_CHF_ETF_obligataire_mondial_BNDW\" >150 CHF : ETF obligataire mondial (BNDW)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#50_CHF_ETF_matieres_premieres\" >50 CHF : ETF mati\u00e8res premi\u00e8res<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#50_CHF_Or_physique_Xetra-Gold\" >50 CHF : Or physique (Xetra-Gold)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Resume_de_la_strategie\" >R\u00e9sum\u00e9 de la strat\u00e9gie<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#%F0%9F%93%8A_Rendement_estime_du_portefeuille_2015-2025\" >\ud83d\udcca Rendement estim\u00e9 du portefeuille (2015-2025)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Une_strategie_simple_plutot_quune_strategie_parfaite\" >Une strat\u00e9gie simple plut\u00f4t qu\u2019une strat\u00e9gie parfaite<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#FAQ_Comment_investir_1200_CHF_%E2%80%93_Version_diversifiee\" >FAQ : Comment investir 1200 CHF \u2013 Version diversifi\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Pourquoi_le_rendement_annualise_de_ce_portefeuille_est-il_estime_a_7_par_an\" >Pourquoi le rendement annualis\u00e9 de ce portefeuille est-il estim\u00e9 \u00e0 ~7% par an ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Quels_sont_les_risques_principaux_de_ce_portefeuille\" >Quels sont les risques principaux de ce portefeuille ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Comment_reduire_la_volatilite_sans_sacrifier_trop_de_rendement\" >Comment r\u00e9duire la volatilit\u00e9 sans sacrifier trop de rendement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Faut-il_reequilibrer_ce_portefeuille_regulierement\" >Faut-il r\u00e9\u00e9quilibrer ce portefeuille r\u00e9guli\u00e8rement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Quelle_est_la_fiscalite_applicable_en_Suisse\" >Quelle est la fiscalit\u00e9 applicable en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-diversifiee\/#Comment_investir_1200_CHF_%E2%80%93_Version_diversifiee\" >Comment investir 1200 CHF &#8211; Version diversifi\u00e9e<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div 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=\"1\" 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-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\" style=\"\">\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\" dir=\"auto\">&#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-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\" style=\"\">\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\" dir=\"auto\">&#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;orientation&quot;:&quot;1&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\" style=\"\">\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\" dir=\"auto\">&#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<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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-2\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s avoir partag\u00e9 une strat\u00e9gie simplifi\u00e9e pour investir 1200 CHF par mois, je souhaite maintenant proposer une version <strong>plus diversifi\u00e9e<\/strong>, tout en restant fid\u00e8le \u00e0 une approche <strong>passive, simple, automatisable et adapt\u00e9e au long terme<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif n\u2019est pas de maximiser le rendement \u00e0 tout prix, mais de construire un portefeuille <strong>\u00e9quilibr\u00e9, r\u00e9silient et facile \u00e0 g\u00e9rer<\/strong> (moins de 5 minutes par mois).<\/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-3\"><span class=\"ez-toc-section\" id=\"%E2%9A%A0%EF%B8%8F_Avant_de_lire_cet_article\"><\/span><strong>\u26a0\ufe0f Avant de lire cet article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cet article ne constitue pas un conseil en investissement.<\/strong> Il s\u2019agit d\u2019un exemple bas\u00e9 sur mes recherches et mon opinion personnelle.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tout investissement comporte des risques<\/strong>, y compris une perte en capital. Avant d\u2019investir, assurez-vous d\u2019avoir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Une<\/strong> <strong>r\u00e9serve d\u2019urgence<\/strong> (3 \u00e0 6 mois de d\u00e9penses).<\/li>\n\n\n\n<li><strong>Rembours\u00e9 vos dettes co\u00fbteuses<\/strong> (cr\u00e9dits \u00e0 la consommation, cartes de cr\u00e9dit, etc.). <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Les <strong>performances pass\u00e9es ne garantissent pas les r\u00e9sultats futurs<\/strong>. Les r\u00e9sultats annonc\u00e9s sont de la p\u00e9riode ao\u00fbt 2016 \u00e0 2026. Mais ces r\u00e9sultats ne pr\u00e9disent pas l&#8217;avenir.<\/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=\"Investir_avec_une_strategie_diversifiee\"><\/span><strong>Investir avec une strat\u00e9gie diversifi\u00e9e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie diversifi\u00e9e ne signifie pas poss\u00e9der des dizaines d\u2019ETF ou d\u2019actions individuelles. L\u2019id\u00e9e est de couvrir <strong>plusieurs classes d\u2019actifs<\/strong> pour r\u00e9duire les risques tout en maintenant une optique de <strong>croissance \u00e0 long terme<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec seulement <strong>6 placements<\/strong>, il est possible d\u2019obtenir une exposition mondiale \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les actions<\/strong> (march\u00e9s d\u00e9velopp\u00e9s et \u00e9mergents)<\/li>\n\n\n\n<li><strong>L\u2019immobilier<\/strong> (REIT mondiaux)<\/li>\n\n\n\n<li><strong>Les obligations<\/strong> (mondiales)<\/li>\n\n\n\n<li><strong>Les mati\u00e8res premi\u00e8res<\/strong> (or, m\u00e9taux, \u00e9nergie)<\/li>\n\n\n\n<li><strong>L\u2019or<\/strong> (valeur refuge)<\/li>\n<\/ul>\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=\"Comment_investir_1200_CHF_par_mois\"><\/span><strong>Comment investir 1200 CHF par mois ?<\/strong><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\"><strong>Montant<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Type d\u2019investissement<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Objectif<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Exemple de produit<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">400 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pilier 3a investi en actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance + avantage fiscal<\/td><td class=\"has-text-align-center\" data-align=\"center\">VIAC Global 100<a href=\"https:\/\/viac.ch\/fr\/produits\/pilier-3a\/strategies\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> \/ Finpension Global 100<a href=\"https:\/\/finpension.ch\/fr\/investir-pilier-3a\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">350 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF mondial actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance \u00e0 long terme<\/td><td class=\"has-text-align-center\" data-align=\"center\">VT (Vanguard Total World)<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/vt\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">200 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF immobilier mondial (REIT)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Revenus passifs + diversification<\/td><td class=\"has-text-align-center\" data-align=\"center\">REET (iShares Global REIT)<a href=\"https:\/\/www.ishares.com\/us\/products\/268752\/ishares-global-reit-etf\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">150 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF obligataire mondial<\/td><td class=\"has-text-align-center\" data-align=\"center\">Stabilisation du portefeuille<\/td><td class=\"has-text-align-center\" data-align=\"center\">BNDW (Vanguard Total World Bond)<a href=\"https:\/\/advisors.vanguard.com\/investments\/products\/bndw\/vanguard-total-world-bond-etf\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">50 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF mati\u00e8res premi\u00e8res<\/td><td class=\"has-text-align-center\" data-align=\"center\">Protection contre l\u2019inflation<\/td><td class=\"has-text-align-center\" data-align=\"center\">Invesco Bloomberg Commodity UCITS ETF<a href=\"https:\/\/www.invesco.com\/uk\/en\/financial-products\/etfs\/invesco-bloomberg-commodity-ucits-etf.html\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">50 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF or physique<\/td><td class=\"has-text-align-center\" data-align=\"center\">Valeur refuge<\/td><td class=\"has-text-align-center\" data-align=\"center\">Xetra-Gold (or physique)<a href=\"https:\/\/www.justetf.com\/fr\/etf-profile.html?isin=DE000A0S9GB0#apercu\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f580915&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f580915\" 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=\"32890\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8fc7a920742\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"R\u00e9partition mensuelle d\u2019un portefeuille diversifi\u00e9\" data-image-description=\"&lt;p&gt;Une infographie color\u00e9e pr\u00e9sente une strat\u00e9gie d\u2019investissement mensuelle totalisant 1 200 CHF, organis\u00e9e en secteurs d\u2019un diagramme circulaire. Les principales allocations sont l\u2019ETF Global 100 \u00e0 400 CHF, l\u2019ETF Global VT \u00e0 350 CHF, l\u2019ETF obligations BNDW \u00e0 150 CHF, l\u2019ETF REIT \u00e0 100 CHF, ainsi que l\u2019ETF or et l\u2019ETF mati\u00e8res premi\u00e8res \u00e0 50 CHF chacun. Des illustrations de conseillers financiers, de graphiques, de pi\u00e8ces, de mati\u00e8res premi\u00e8res et de b\u00e2timents renforcent le th\u00e8me de la diversification, sur un fond bleu lumineux \u00e9voquant un environnement financier moderne.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie pr\u00e9sente une strat\u00e9gie d\u2019investissement mensuelle de 1 200 CHF r\u00e9partie entre plusieurs ETF.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.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\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Infographie \u00abSTRAT\u00c9GIE D\u2019INVESTISSEMENT MENSUELLE (TOTAL: 1200 CHF)\u00bb - Comment investir 1200 CHF - Version diversifi\u00e9e\" class=\"wp-image-32890\" style=\"width:518px;height:auto\" title=\"R\u00e9partition mensuelle d\u2019un portefeuille diversifi\u00e9\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.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<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-6\"><span class=\"ez-toc-section\" id=\"Repartition_par_classe_dactifs\"><\/span><strong>R\u00e9partition par classe d\u2019actifs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>62,5% (750 CHF)<\/strong> : <strong>Croissance<\/strong> (actions + 3a)<\/li>\n\n\n\n<li><strong>16,5% (200 CHF)<\/strong> : <strong>Immobilier passif global<\/strong> (ETF REIT Global)<\/li>\n\n\n\n<li><strong>21% (250 CHF)<\/strong> : <strong>Stabilisation et diversification<\/strong> (obligations, mati\u00e8res premi\u00e8res et or)<\/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-7\"><span class=\"ez-toc-section\" id=\"400_CHF_Pilier_3a_investi_en_actions_Global_100\"><\/span><strong>400 CHF : Pilier 3a investi en actions (Global 100)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f580da3&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f580da3\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"743\" height=\"615\" data-attachment-id=\"32913\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/esports-championship-rankings-announcement\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd7a102bd8-edited.png?fit=743%2C615&amp;ssl=1\" data-orig-size=\"743,615\" data-comments-opened=\"1\" data-image-title=\"Esports championship rankings announcement\" data-image-description=\"&lt;p&gt;An anime-style esports convention scene shows two attendees in the foreground discussing a large digital screen. The screen displays a world map, rankings, the title \u201c3a global 100,\u201d and Japanese text, while banners announce a global championship and esports tournament. International flags hang throughout the venue, with a crowd gathered below under warm indoor lighting.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Two attendees discuss the Global 100 rankings beneath a vibrant esports championship display.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd7a102bd8-edited.png?fit=600%2C497&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\/08\/minimaliste-et-frugaliste-6a8fd7a102bd8-edited.png?resize=743%2C615&#038;ssl=1\" alt=\"3a global 100 - Comment investir 1200 CHF - Version diversifi\u00e9e\" class=\"wp-image-32913\" style=\"aspect-ratio:1.202864502250276;width:280px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd7a102bd8-edited.png?w=743&amp;ssl=1 743w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd7a102bd8-edited.png?resize=300%2C248&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd7a102bd8-edited.png?resize=600%2C497&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd7a102bd8-edited.png?resize=14%2C12&amp;ssl=1 14w\" sizes=\"auto, (max-width: 743px) 100vw, 743px\" \/><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=\"wp-block-paragraph\"><strong>Pourquoi investir dans un 3a global 100 ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantage fiscal<\/strong> : Les versements dans le 3a sont d\u00e9ductibles des imp\u00f4ts en Suisse.<\/li>\n\n\n\n<li><strong>Croissance \u00e0 long terme<\/strong> : Une strat\u00e9gie comme <strong>Global 100<\/strong> (VIAC ou Finpension) investit \u00e0 99% dans des actions mondiales, avec une forte exposition aux march\u00e9s d\u00e9velopp\u00e9s et \u00e9mergents.<\/li>\n\n\n\n<li><strong>Gestion passive<\/strong> : Aucun besoin de suivre les march\u00e9s, tout est automatis\u00e9.<\/li>\n\n\n\n<li><strong>Frais acceptables pour un 3a<\/strong> : <strong>~<\/strong>0,40%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Performances historiques :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement annualis\u00e9 sur 10 ans : <strong>~8%<\/strong> (source : VIAC Global 100).<\/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-8\"><span class=\"ez-toc-section\" id=\"350_CHF_ETF_mondial_actions_VT\"><\/span><strong>350 CHF : ETF mondial actions (VT)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f581258&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f581258\" 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=\"32916\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8fd84dddae5\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Carte du monde en arri\u00e8re-plan\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.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\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?resize=600%2C600&#038;ssl=1\" alt=\"etf global VT - Comment investir 1200 CHF - Version diversifi\u00e9e\" class=\"wp-image-32916\" style=\"width:274px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd84dddae5.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=\"wp-block-paragraph\"><strong>Pourquoi investir dans un ETF global ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Diversification maximale<\/strong> : VT couvre plus de <strong>95% des actions mondiales<\/strong> (pays d\u00e9velopp\u00e9s + \u00e9mergents).<\/li>\n\n\n\n<li><strong>Simplicit\u00e9<\/strong> : Un seul ETF pour acc\u00e9der \u00e0 des milliers d\u2019entreprises dans de nombreux pays (Apple, Microsoft, Nestl\u00e9, etc.).<\/li>\n\n\n\n<li><strong>Frais r\u00e9duits<\/strong> : VT a des frais de <strong>0,07%<\/strong> par an.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Performances historiques (\u00e0 titre indicatif) :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement annualis\u00e9 sur 10 ans : <strong>~12%<\/strong> (dividendes r\u00e9investis).<\/li>\n\n\n\n<li>\u26a0\ufe0f Les march\u00e9s actions peuvent \u00eatre volatils \u00e0 court terme.<\/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-9\"><span class=\"ez-toc-section\" id=\"200_CHF_ETF_immobilier_mondial_REIT\"><\/span><strong>200 CHF : ETF immobilier mondial (REIT)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f5816e7&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f5816e7\" 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=\"32917\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8fd89fadbaf\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Global REIT Investment Fund Presentation\" data-image-description=\"&lt;p&gt;An illustrated business presentation features a smiling presenter in a navy suit holding a tablet and gesturing toward a glowing digital display. The display reads \u201cETF REIT GLOBAL\u201d and \u201cFONDS D&amp;#8217;INVESTISSEMENT IMMOBILIER MONDIAL (GLOBAL REIT INVESTMENT FUND),\u201d alongside a world map, financial charts, currency symbols, and skyscraper icons. Colleagues stand around the presenter in a modern blue-lit office, creating a polished, futuristic atmosphere focused on international real estate investment.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;An investment presenter highlights global real estate opportunities using a digital world map and market charts.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.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\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?resize=600%2C600&#038;ssl=1\" alt=\"ETF REIT Global - Comment investir 1200 CHF - Version diversifi\u00e9e\" class=\"wp-image-32917\" style=\"width:226px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd89fadbaf.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=\"wp-block-paragraph\"><strong>Pourquoi investir dans de l&#8217;immobilier passif ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exposition \u00e0 l\u2019immobilier sans acheter un bien<\/strong> : Les REIT (Real Estate Investment Trusts) permettent d\u2019investir dans des biens immobiliers <strong>r\u00e9sidentiels, commerciaux, industriels<\/strong>, etc. Dans le monde entier.<\/li>\n\n\n\n<li><strong>Revenus passifs<\/strong> : Certains ETF REIT versent des <strong>dividendes trimestriels<\/strong> (rendement moyen : ~3,5%).<\/li>\n\n\n\n<li><strong>Liquidit\u00e9<\/strong> : Contrairement \u00e0 un bien immobilier physique, un ETF REIT est <strong>facile \u00e0 acheter\/vendre<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple d\u2019ETF :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>REET<\/strong> (iShares Global REIT) : Diversification mondiale, frais de <strong>0,14%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Performances historiques :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement annualis\u00e9 sur 10 ans : <strong>~4%<\/strong> (avec dividendes r\u00e9-investis)<\/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-10\"><span class=\"ez-toc-section\" id=\"150_CHF_ETF_obligataire_mondial_BNDW\"><\/span><strong>150 CHF : ETF obligataire mondial (BNDW)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f581bac&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f581bac\" 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=\"32919\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8fd96f2754a\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Guide to Global Bond ETF Investing\" data-image-description=\"&lt;p&gt;A stylized illustration shows a young investor with glasses pointing toward a glowing information panel in front of a world map. The French text reads \u201cInvestir dans un ETF d\u2019obligations mondiales\u201d and highlights performance, global yield, diversification, capital protection, regular income, and access to global markets. Bright lines connect continents across the map, while warm desk lighting, plants, and books create a modern financial research setting.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;An illustrated investor explores the benefits of globally diversified bond ETFs through an interactive market display.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.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\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?resize=600%2C600&#038;ssl=1\" alt=\"Illustrated investor presenting global bond ETF benefits and market connections\" class=\"wp-image-32919\" style=\"width:308px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fd96f2754a.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=\"wp-block-paragraph\"><strong>Pourquoi investir dans un ETF obligations mondial?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stabilisation du portefeuille<\/strong> : Les obligations sont <strong>moins volatiles<\/strong> que les actions.<\/li>\n\n\n\n<li><strong>Revenus r\u00e9guliers<\/strong> : BNDW distribue des <strong>coupons mensuels (dividendes)<\/strong> (rendement moyen : ~2,5%).<\/li>\n\n\n\n<li><strong>Diversification mondiale<\/strong> : Exposition \u00e0 des obligations d\u2019\u00c9tats et d\u2019entreprises dans le monde entier.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple d\u2019ETF :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BNDW<\/strong> (Vanguard Total World Bond) : Frais de <strong>0,09%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Performances historiques (\u00e0 titre indicatif) :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement annualis\u00e9 sur 10 ans : <strong>~2,5%<\/strong> (dividendes inclus).<\/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-11\"><span class=\"ez-toc-section\" id=\"50_CHF_ETF_matieres_premieres\"><\/span><strong>50 CHF : ETF mati\u00e8res premi\u00e8res<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f58205b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f58205b\" 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=\"32922\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8fda16510cb\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Interactive Global Commodities Market Dashboard\" data-image-description=\"&lt;p&gt;An illustrated commodities trading center overlooks a city skyline and the Eiffel Tower at sunset. Three professionals stand in the foreground beside glowing holographic dashboards labeled in French, including \u201cPORTEFOLIO DIVERSIFI\u00c9\u201d and \u201cINDICE DE COMMODIT\u00c9S,\u201d with charts for oil, gold, corn, and copper. A large circular ticker tracks global commodity prices overhead, while traders and additional screens fill the bright, modern interior.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;A lively trading center visualizes global commodity trends through holographic charts and market tickers.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.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\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?resize=600%2C600&#038;ssl=1\" alt=\"French commodities market displays ETFM, portfolio, oil, gold, corn, and copper charts\" class=\"wp-image-32922\" style=\"width:328px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fda16510cb.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=\"wp-block-paragraph\"><strong>Pourquoi un ETF mati\u00e8res premi\u00e8res ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Protection contre l\u2019inflation<\/strong> : Les mati\u00e8res premi\u00e8res (or, p\u00e9trole, m\u00e9taux, agriculture) ont tendance \u00e0 <strong>prendre de la valeur en p\u00e9riode d\u2019inflation<\/strong>.<\/li>\n\n\n\n<li><strong>Diversification suppl\u00e9mentaire<\/strong> : Les mati\u00e8res premi\u00e8res ont une <strong>corr\u00e9lation faible<\/strong> avec les actions et les obligations.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple d\u2019ETF :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Invesco Bloomberg Commodity UCITS ETF<\/strong> : Diversification large (\u00e9nergie, m\u00e9taux, agriculture), frais de <strong>0,19%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Performances historiques<\/strong> <strong>:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement annualis\u00e9 sur 10 ans : <strong>~1-3%<\/strong> (variable selon les cycles \u00e9conomiques).<\/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-12\"><span class=\"ez-toc-section\" id=\"50_CHF_Or_physique_Xetra-Gold\"><\/span><strong>50 CHF : Or physique (Xetra-Gold)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f582503&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f582503\" 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=\"32926\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8fdaec3faa3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"Guide visuel pour investir dans ETF or\" data-image-description=\"&lt;p&gt;Illustration num\u00e9rique chaleureuse d\u2019une femme assise \u00e0 un bureau avec un ordinateur portable, pr\u00e9sentant un \u00e9cran holographique consacr\u00e9 \u00e0 l\u2019investissement dans les ETF or. Le panneau affiche une courbe ascendante, des indicateurs de performance, la diversification, les opportunit\u00e9s de placement, ainsi que des ic\u00f4nes de lingots et de pi\u00e8ces d\u2019or. Une biblioth\u00e8que, des plantes, une fen\u00eatre lumineuse et un second \u00e9cran financier composent l\u2019arri\u00e8re-plan, tandis que le titre \u00ab INVESTIR ETF OR \u00bb appara\u00eet en grandes lettres bleues et dor\u00e9es au-dessus de la sc\u00e8ne.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Une investisseuse explore la performance, la diversification et les opportunit\u00e9s li\u00e9es aux ETF adoss\u00e9s \u00e0 l\u2019or.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.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\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?resize=600%2C600&#038;ssl=1\" alt=\"Investir ETF or, graphique de croissance et investisseuse devant un ordinateur\" class=\"wp-image-32926\" style=\"width:318px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fdaec3faa3.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=\"wp-block-paragraph\"><strong>Pourquoi un ETF Or ?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Valeur refuge<\/strong> : L\u2019or est traditionnellement consid\u00e9r\u00e9 comme un <strong>actif s\u00fbr<\/strong> en p\u00e9riode de crise.<\/li>\n\n\n\n<li><strong>Protection contre les risques syst\u00e9miques<\/strong> : En cas de krach boursier ou de crise mon\u00e9taire, l\u2019or peut <strong>stabiliser le portefeuille<\/strong>.<\/li>\n\n\n\n<li><strong>Liquidit\u00e9<\/strong> : L\u2019or physique (via Xetra-Gold) est <strong>facile \u00e0 acheter\/vendre<\/strong> comme une action.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple de produit :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Xetra-Gold<\/strong> : Or physique stock\u00e9 en Allemagne, frais de <strong>0,15%<\/strong> par an.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Performances historiques :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement annualis\u00e9 sur 10 ans : <strong>~2%<\/strong> (l\u2019or ne g\u00e9n\u00e8re pas de revenus, sa valeur d\u00e9pend de l\u2019offre et de la demande).<\/li>\n<\/ul>\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-13\"><span class=\"ez-toc-section\" id=\"Resume_de_la_strategie\"><\/span><strong>R\u00e9sum\u00e9 de la strat\u00e9gie<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec <strong>6 placements<\/strong>, ce portefeuille offre :  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Une diversification mondiale<\/strong> (actions, immobilier, obligations, mati\u00e8res premi\u00e8res et or). <\/li>\n\n\n\n<li><strong>Une bonne base de placement en Suisse et en CHF<\/strong> (environ 20% du portefeuille)<\/li>\n\n\n\n<li><strong>Une gestion 100% passive<\/strong> (pas besoin de suivre les march\u00e9s). <\/li>\n\n\n\n<li><strong>Des revenus passifs r\u00e9guliers<\/strong> (dividendes des REIT et obligations). <\/li>\n\n\n\n<li><strong>Une petite protection contre l\u2019inflation<\/strong> (mati\u00e8res premi\u00e8res + or). <\/li>\n\n\n\n<li><strong>Un avantage fiscal<\/strong> (via le 3a).<\/li>\n<\/ul>\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\"><strong>Montant<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Placement<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Classe d\u2019actifs<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Objectif principal<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Fr\u00e9quence des dividendes<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">400 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">3a Global 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actions mondiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance + avantage fiscal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">350 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF VT<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actions mondiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Trimestrielle<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">200 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF REET<\/td><td class=\"has-text-align-center\" data-align=\"center\">Immobilier mondial (REIT)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Revenus trimestriels<\/td><td class=\"has-text-align-center\" data-align=\"center\">Trimestrielle<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">150 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF BNDW<\/td><td class=\"has-text-align-center\" data-align=\"center\">Obligations mondiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">Stabilisation + revenus mensuels<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mensuelle<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">50 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF mati\u00e8res premi\u00e8res<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mati\u00e8res premi\u00e8res<\/td><td class=\"has-text-align-center\" data-align=\"center\">Protection contre l\u2019inflation<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">50 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">Xetra-Gold<\/td><td class=\"has-text-align-center\" data-align=\"center\">Or physique<\/td><td class=\"has-text-align-center\" data-align=\"center\">Valeur refuge<\/td><td class=\"has-text-align-center\" data-align=\"center\">\/<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af500f582bfc&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af500f582bfc\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32890\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8fc7a920742\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"R\u00e9partition mensuelle d\u2019un portefeuille diversifi\u00e9\" data-image-description=\"&lt;p&gt;Une infographie color\u00e9e pr\u00e9sente une strat\u00e9gie d\u2019investissement mensuelle totalisant 1 200 CHF, organis\u00e9e en secteurs d\u2019un diagramme circulaire. Les principales allocations sont l\u2019ETF Global 100 \u00e0 400 CHF, l\u2019ETF Global VT \u00e0 350 CHF, l\u2019ETF obligations BNDW \u00e0 150 CHF, l\u2019ETF REIT \u00e0 100 CHF, ainsi que l\u2019ETF or et l\u2019ETF mati\u00e8res premi\u00e8res \u00e0 50 CHF chacun. Des illustrations de conseillers financiers, de graphiques, de pi\u00e8ces, de mati\u00e8res premi\u00e8res et de b\u00e2timents renforcent le th\u00e8me de la diversification, sur un fond bleu lumineux \u00e9voquant un environnement financier moderne.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie pr\u00e9sente une strat\u00e9gie d\u2019investissement mensuelle de 1 200 CHF r\u00e9partie entre plusieurs ETF.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.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\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=600%2C600&#038;ssl=1\" alt=\"Infographie \u00abSTRAT\u00c9GIE D\u2019INVESTISSEMENT MENSUELLE (TOTAL: 1200 CHF)\u00bb : ETF Global 100 400 CHF, ETF Global VT 350 CHF, ETF obligations BNDW 150 CHF, ETF REIT 100 CHF, ETF or 50 CHF et ETF mati\u00e8res premi\u00e8res 50 CHF.\" class=\"wp-image-32890\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8fc7a920742.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<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-14\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8A_Rendement_estime_du_portefeuille_2015-2025\"><\/span><strong>\ud83d\udcca Rendement estim\u00e9 du portefeuille (2015-2025)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>investir 1200 CHF par mois, placement mensuel diversifi\u00e9, strat\u00e9gie d&#8217;investissement mensuel, comment investir 1200 CHF, investissement diversifi\u00e9 Suisse, ETF pour d\u00e9butants, portefeuille \u00e9quilibr\u00e9 1200 CHF, investir en actions et obligations, gestion de patrimoine mensuelle, meilleure r\u00e9partition 1200 CHF, investissement passif 1200 CHF, rendement optimis\u00e9 1200 CHF, conseils pour investir chaque mois, diversification avec petit budget, investir en Suisse avec 1200 CHF<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici une estimation du <strong>rendement annualis\u00e9<\/strong> de chaque actif sur 10 ans (ao\u00fbt 2016-2026) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3a Global 100<\/strong> : ~8%<\/li>\n\n\n\n<li><strong>ETF VT<\/strong> : ~12%<\/li>\n\n\n\n<li><strong>ETF REET<\/strong> : ~4%<\/li>\n\n\n\n<li><strong>ETF BNDW<\/strong> : ~2,5%<\/li>\n\n\n\n<li><strong>ETF mati\u00e8res premi\u00e8res<\/strong> : ~2%<\/li>\n\n\n\n<li><strong>Or (Xetra-Gold)<\/strong> : ~2%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rendement annualis\u00e9 moyen du portefeuille pour la p\u00e9riode 2016-2026 : ~7% par an<\/strong> (dividendes r\u00e9investis). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concernant les frais, sans comptabiliser les imp\u00f4ts et en ayant un compte boursier \u00e9conomique, les frais totaux de ce portefeuille sont d&#8217;environ 0,30% par ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, c&#8217;est une bonne performance par rapport aux co\u00fbts et \u00e0 une gestion tr\u00e8s simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour donner un exemple : Si tu avais investis <strong>50 000 CHF il y a 10 ans<\/strong> + <strong>1200 CHF \/ mois<\/strong>, ce portefeuille vaudrait aujourd\u2019hui <strong>~350 000 CHF<\/strong> (estimation bas\u00e9e sur les rendements historiques).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Ce rendement est une estimation bas\u00e9e sur le pass\u00e9 et ne garantit pas les performances futures.<\/strong><\/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-15\"><span class=\"ez-toc-section\" id=\"Une_strategie_simple_plutot_quune_strategie_parfaite\"><\/span><strong>Une strat\u00e9gie simple plut\u00f4t qu\u2019une strat\u00e9gie parfaite<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Comme le disait <strong>John Bogle<\/strong> (fondateur de Vanguard) :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#070038\"><em><strong>\u00ab Le principal ennemi d\u2019un bon plan est le r\u00eave d\u2019un plan parfait. Contentez-vous du bon plan. \u00bb<\/strong><\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Ce portefeuille n\u2019est <strong>pas parfait<\/strong>, mais il est : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Suffisamment diversifi\u00e9<\/strong> pour limiter les risques. <\/li>\n\n\n\n<li><strong>Simple \u00e0 g\u00e9rer<\/strong> (5 minutes par mois). <\/li>\n\n\n\n<li><strong>Adapt\u00e9 \u00e0 un investissement passif et long terme<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Je pr\u00e9f\u00e8re passer 5 minutes par mois et dormir sereinement avec mes placements, que de passer 2 heures par jour pour un &#8221;\u00e9ventuel&#8221; rendement parfait.<\/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_Comment_investir_1200_CHF_%E2%80%93_Version_diversifiee\"><\/span><strong>FAQ : Comment investir 1200 CHF \u2013 Version diversifi\u00e9e<\/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-16\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_rendement_annualise_de_ce_portefeuille_est-il_estime_a_7_par_an\"><\/span><strong>Pourquoi le rendement annualis\u00e9 de ce portefeuille est-il estim\u00e9 \u00e0 ~7% par an ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce portefeuille combine :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Des actions mondiales<\/strong> (rendement historique \u00e9lev\u00e9, mais volatile).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Des REIT et obligations<\/strong> (revenus stables, mais rendement plus faible).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Des mati\u00e8res premi\u00e8res et de l\u2019or<\/strong> (protection contre l\u2019inflation et les crises). <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>pond\u00e9ration de ces actifs<\/strong> permet d\u2019estimer un rendement moyen de <strong>7% par an<\/strong> sur le long terme. Cependant, ce rendement pass\u00e9 <strong>n\u2019est pas garanti<\/strong> et d\u00e9pend des conditions \u00e9conomiques futures.<\/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-17\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_risques_principaux_de_ce_portefeuille\"><\/span><strong>Quels sont les risques principaux de ce portefeuille ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Volatilit\u00e9 des actions<\/strong> : Les 750 CHF investis en actions (3a + VT) peuvent <strong>baisser de 20-30% en cas de krach boursier<\/strong>.<\/li>\n\n\n\n<li><strong>Risque de taux d\u2019int\u00e9r\u00eat<\/strong> : Les obligations (BNDW) peuvent perdre de la valeur si les taux montent.<\/li>\n\n\n\n<li><strong>Risque de liquidit\u00e9<\/strong> : Les REIT et les mati\u00e8res premi\u00e8res peuvent \u00eatre <strong>moins liquides<\/strong> que les actions.<\/li>\n\n\n\n<li><strong>Risque de change<\/strong> : Les ETF libell\u00e9s en USD (VT, REET, BNDW) sont expos\u00e9s aux <strong>fluctuations du franc suisse (CHF)<\/strong>.<\/li>\n<\/ol>\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-18\"><span class=\"ez-toc-section\" id=\"Comment_reduire_la_volatilite_sans_sacrifier_trop_de_rendement\"><\/span><strong>Comment r\u00e9duire la volatilit\u00e9 sans sacrifier trop de rendement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9duire la volatilit\u00e9, tu peux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Augmenter la part des obligations<\/strong> (ex : passer de 150 CHF \u00e0 200 CHF).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ajouter des liquidit\u00e9s<\/strong> (ex : garder 50 CHF en cash chaque mois).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9duire l\u00e9g\u00e8rement la part des actions<\/strong> (ex : passer de 750 CHF \u00e0 600 CHF). <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Attention<\/strong> : Une r\u00e9duction de la volatilit\u00e9 peut <strong>diminuer le rendement \u00e0 long terme<\/strong>.<\/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-19\"><span class=\"ez-toc-section\" id=\"Faut-il_reequilibrer_ce_portefeuille_regulierement\"><\/span><strong>Faut-il r\u00e9\u00e9quilibrer ce portefeuille r\u00e9guli\u00e8rement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, il est recommand\u00e9 de <strong>r\u00e9\u00e9quilibrer deux fois par an<\/strong> pour <strong>maintenir la r\u00e9partition initiale<\/strong> (ex : si les actions montent fortement, leur part dans le portefeuille augmentera).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, ne te stresse pas si un actif est trop \u00e9lev\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu constates que tu as trop de REIT, arr\u00eate de verser de l&#8217;argent dans ton ETF REIT et mets tes prochains versements dans l&#8217;ETF qui a un pourcentage trop bas. <\/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-20\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_fiscalite_applicable_en_Suisse\"><\/span><strong>Quelle est la fiscalit\u00e9 applicable en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, la fiscalit\u00e9 d\u00e9pend de votre <strong>canton de r\u00e9sidence<\/strong>. Voici les r\u00e8gles g\u00e9n\u00e9rales :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3a<\/strong> : <strong>Les gains ne sont pas imposables<\/strong> tant que les fonds ne sont pas retir\u00e9s. Au retrait, ils sont impos\u00e9s comme un <strong>revenu<\/strong> (taux variable selon le canton).<\/li>\n\n\n\n<li><strong>ETF (hors 3a)<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Dividendes<\/strong> : Imposables comme <strong>revenu<\/strong> (taux variable selon le canton).<\/li>\n\n\n\n<li><strong>Plus-values<\/strong> : <strong>Non imposables<\/strong> en Suisse (sauf si vous \u00eates consid\u00e9r\u00e9 comme un <strong>trader professionnel<\/strong>).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Or physique (Xetra-Gold)<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Non imposable<\/strong> si d\u00e9tenu plus de 6 mois (consid\u00e9r\u00e9 comme un <strong>bien de placement<\/strong>).<\/li>\n\n\n\n<li><strong>Imposable<\/strong> si vendu avant 6 mois (consid\u00e9r\u00e9 comme une <strong>sp\u00e9culation<\/strong>).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1 <strong>Conseil<\/strong> : Pour une optimisation fiscale, consulte un <strong>expert-comptable suisse<\/strong>.<\/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-21\"><span class=\"ez-toc-section\" id=\"Comment_investir_1200_CHF_%E2%80%93_Version_diversifiee\"><\/span><strong>Comment investir 1200 CHF &#8211; Version diversifi\u00e9e<\/strong><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=12203\" 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\/apres-10-ans-investissement-en-etf-quel-etf-je-choisirais\/\">Apr\u00e8s 10 ans d\u2019investissement en ETF : quel ETF je choisirais<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-liberte-financiere-pourquoi-les-premiers-100000-sont-les-plus-difficiles\/\">La libert\u00e9 financi\u00e8re : pourquoi les premiers 100&#8217;000 sont les plus difficiles<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/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-22 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>Les codes promo pour les produits que j\u2019utilise<\/li>\n\n\n\n<li>Les 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-23\"><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-24 wp-block-paragraph\">Comment investir 1200 CHF &#8211; Version diversifi\u00e9e<\/p>\n\n\n\n<p class=\"has-text-align-right has-background-color has-text-color has-link-color wp-elements-25 wp-block-paragraph\">Comment investir 1200 CHF &#8211; Version diversifi\u00e9e<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article presents a simple and diversified investment strategy for investing CHF 1200 per month, including stocks, REITs, bonds, commodities, and gold. The focus is on passive management, inflation protection, and tax advantages.<\/p>","protected":false},"author":215552267,"featured_media":32890,"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_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Comment investir 1200 CHF par mois avec une version diversifi\u00e9e et avec des bons r\u00e9sultats dans le pass\u00e9e? Voici un r\u00e9sum\u00e9 en 8 minutes.","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728546115,728546124,728546122,728545425,728546116,728546117,728546127,728546125,728546129,728546120,728546118,728546121,728546123,728546126,728546119],"class_list":["post-12203","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-comment-investir-1200-chf","tag-conseils-pour-investir-chaque-mois","tag-diversification-avec-petit-budget","tag-etf-pour-debutants","tag-gestion-de-patrimoine-mensuelle","tag-investir-1200-chf-par-mois","tag-investir-en-actions-et-obligations","tag-investir-en-suisse-avec-1200-chf","tag-investissement-diversifie-suisse","tag-investissement-passif-1200-chf","tag-meilleure-repartition-1200-chf","tag-placement-mensuel-diversifie","tag-portefeuille-equilibre-1200-chf","tag-rendement-optimise-1200-chf","tag-strategie-dinvestissement-mensuel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment investir 1200 CHF - Version diversifi\u00e9e Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Comment investir 1200 CHF par mois avec une version diversifi\u00e9e et avec des bons r\u00e9sultats dans le pass\u00e9e? 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