{"id":12468,"date":"2026-07-19T18:39:19","date_gmt":"2026-07-19T16:39:19","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=12468"},"modified":"2026-07-19T18:48:50","modified_gmt":"2026-07-19T16:48:50","slug":"etfs-vs-stocks-why-simplicity-wins","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/","title":{"rendered":"ETFs vs. Stocks: Why Simplicity Wins"},"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\">Investir, c\u2019est avant tout faire des choix : <strong>gestion active ou gestion passive<\/strong>, <strong>ETF ou actions individuelles<\/strong> ? Derri\u00e8re ces notions se cachent des approches tr\u00e8s diff\u00e9rentes en termes de temps, de risques et de performance, <strong>dans cet article, ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/strong>. <strong>Nous allons comparer l\u2019investissement actif et passif afin de comprendre lequel est le plus adapt\u00e9 selon ton profil, tes objectifs financiers et ton horizon de placement.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#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\/etf-vs-action-pourquoi-la-simplicite-gagne\/#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\/etf-vs-action-pourquoi-la-simplicite-gagne\/#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\/etf-vs-action-pourquoi-la-simplicite-gagne\/#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\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%8E%AF_Introduction_ETF_vs_Actions_Pourquoi_la_Simplicite_Gagne\" >\ud83c\udfaf Introduction : ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Les_ETF_Cest_Quoi_et_Pourquoi_Ca_Marche\" >Les ETF : C\u2019est Quoi, et Pourquoi \u00c7a Marche ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_Quest-ce_quun_ETF\" >\ud83d\udd39 Qu\u2019est-ce qu\u2019un ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Pourquoi_les_ETF_sont-ils_si_puissants_et_si_reputes\" >Pourquoi les ETF sont-ils si puissants et si r\u00e9put\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Diversification\" >Diversification<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Faibles_frais_de_gestion\" >Faibles frais de gestion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Transparence_totale\" >Transparence totale<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Forte_Liquidite\" >Forte Liquidit\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Gestion_Passive_vs_Gestion_Active_Le_Match\" >Gestion Passive vs. Gestion Active : Le Match<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Les_7_Avantages_Cles_des_ETF\" >Les 7 Avantages Cl\u00e9s des ETF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_1_Tu_Bats_la_Majorite_des_Professionnels_Sans_Rien_Faire\" >\ud83d\udd39 1. Tu Bats la Majorit\u00e9 des Professionnels (Sans Rien Faire)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_2_Moins_de_Frais_Plus_de_Rendement\" >\ud83d\udd39 2. Moins de Frais = Plus de Rendement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_3_Pas_Besoin_dEtre_un_Expert\" >\ud83d\udd39 3. Pas Besoin d\u2019\u00catre un Expert<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_4_Reduction_du_Stress_et_des_Emotions\" >\ud83d\udd39 4. R\u00e9duction du Stress et des \u00c9motions<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_5_Diversification_Automatique_et_Gratuite\" >\ud83d\udd39 5. Diversification Automatique (et Gratuite !)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_6_Flexibilite_et_Accessibilite\" >\ud83d\udd39 6. Flexibilit\u00e9 et Accessibilit\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_7_Historiquement_rentable_sur_le_Long_Terme\" >\ud83d\udd39 7. Historiquement rentable sur le Long Terme<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Les_Idees_Recues_sur_les_ETF_et_Pourquoi_elles_Sont_fausses\" >Les Id\u00e9es Re\u00e7ues sur les ETF (et Pourquoi elles Sont fausses)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%E2%9D%8C_%E2%80%9CLes_ETF_cest_pour_les_faineants_%E2%80%9D\" >\u274c &#8220;Les ETF, c\u2019est pour les fain\u00e9ants !&#8221;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%E2%9D%8C_%E2%80%9CAvec_les_ETF_je_ne_pourrai_jamais_battre_le_marche%E2%80%9D\" >\u274c &#8220;Avec les ETF, je ne pourrai jamais battre le march\u00e9.&#8221;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%E2%9D%8C_%E2%80%9CLes_ETF_cest_trop_simple_ca_ne_peut_pas_marcher%E2%80%9D\" >\u274c &#8220;Les ETF, c\u2019est trop simple, \u00e7a ne peut pas marcher.&#8221;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%E2%9D%8C_%E2%80%9CJe_peux_faire_mieux_en_choisissant_moi-meme_mes_actions%E2%80%9D\" >\u274c &#8220;Je peux faire mieux en choisissant moi-m\u00eame mes actions.&#8221;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Quelle_Strategie_ETF_Choisir\" >Quelle Strat\u00e9gie ETF Choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_1_Le_Portefeuille_le_Plus_Simple_et_le_plus_diversifie_et_historiquement_tres_efficace\" >\ud83d\udd39 1. Le Portefeuille le Plus Simple et le plus diversifi\u00e9 (et historiquement tr\u00e8s efficace)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_2_Un_Portefeuille_Equilibre_Pour_les_Prudents\" >\ud83d\udd39 2. Un Portefeuille \u00c9quilibr\u00e9 (Pour les Prudents)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_3_Un_Portefeuille_%E2%80%9CAgressif%E2%80%9D_Pour_les_Ambitieux\" >\ud83d\udd39 3. Un Portefeuille &#8220;Agressif&#8221; (Pour les Ambitieux)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Comment_Commencer_avec_les_ETF_Guide_Pratique\" >Comment Commencer avec les ETF ? (Guide Pratique)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_Etape_1_Ouvre_un_Compte_chez_un_Courtier_Peu_Cher\" >\ud83d\udd39 \u00c9tape 1 : Ouvre un Compte chez un Courtier Peu Cher<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_Etape_2_Choisis_1_ou_2_ETF\" >\ud83d\udd39 \u00c9tape 2 : Choisis 1 ou 2 ETF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_Etape_3_Investis_Regulierement_DCA\" >\ud83d\udd39 \u00c9tape 3 : Investis R\u00e9guli\u00e8rement (DCA)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_Etape_4_Reste_Investi_sur_le_Long_Terme\" >\ud83d\udd39 \u00c9tape 4 : Reste Investi sur le Long Terme<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Conclusion_Les_ETF_la_Meilleure_Strategie_pour_99_des_Investisseurs\" >Conclusion : Les ETF, la Meilleure Strat\u00e9gie pour 99% des Investisseurs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_Pourquoi_les_ETF_sont-ils_la_meilleure_option\" >\ud83d\udd39 Pourquoi les ETF sont-ils la meilleure option ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#%F0%9F%94%B9_Mon_Conseil_Final\" >\ud83d\udd39 Mon Conseil Final<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#FAQ_%E2%80%93_ETF_vs_Actions_Pourquoi_la_Simplicite_Gagne\" >FAQ &#8211; ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Quest-ce_quun_ETF\" >Qu&#8217;est-ce qu&#8217;un ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Quelle_est_la_difference_entre_un_ETF_et_une_action\" >Quelle est la diff\u00e9rence entre un ETF et une action ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Faut-il_investir_dans_des_ETF_ou_dans_des_actions_individuelles\" >Faut-il investir dans des ETF ou dans des actions individuelles ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Les_ETF_sont-ils_adaptes_aux_debutants\" >Les ETF sont-ils adapt\u00e9s aux d\u00e9butants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Les_ETF_sont-ils_moins_risques_que_les_actions\" >Les ETF sont-ils moins risqu\u00e9s que les actions ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Peut-on_gagner_de_largent_avec_des_ETF\" >Peut-on gagner de l&#8217;argent avec des ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Pourquoi_les_ETF_ont-ils_des_frais_aussi_faibles\" >Pourquoi les ETF ont-ils des frais aussi faibles ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Est-il_possible_de_battre_le_marche_avec_des_actions_individuelles\" >Est-il possible de battre le march\u00e9 avec des actions individuelles ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Quel_est_le_meilleur_ETF_pour_commencer\" >Quel est le meilleur ETF pour commencer ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Combien_faut-il_investir_pour_debuter_avec_des_ETF\" >Combien faut-il investir pour d\u00e9buter avec des ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Quelle_est_la_meilleure_strategie_pour_investir_dans_des_ETF\" >Quelle est la meilleure strat\u00e9gie pour investir dans des ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Les_ETF_versent-ils_des_dividendes\" >Les ETF versent-ils des dividendes ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Peut-on_perdre_de_largent_avec_un_ETF\" >Peut-on perdre de l&#8217;argent avec un ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Quelle_est_la_difference_entre_la_gestion_passive_et_la_gestion_active\" >Quelle est la diff\u00e9rence entre la gestion passive et la gestion active ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#Les_ETF_sont-ils_une_bonne_strategie_dinvestissement_a_long_terme\" >Les ETF sont-ils une bonne strat\u00e9gie d&#8217;investissement \u00e0 long terme ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/#ETF_vs_Actions_Pourquoi_la_Simplicite_Gagne\" >ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, 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https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-text-color has-background has-link-color wp-elements-2\" style=\"border-width:6px;color:#f1c54c;background-color:#2d0b03\"><strong>\u26a0 Cet article est uniquement mon avis. Ce n&#8217;est pas un conseil d&#8217;investissement. Les rendements affich\u00e9s ne pr\u00e9disent pas les rendements futurs.  Investir comporte un risque de perte d&#8217;argent \u2757<\/strong><\/h6>\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=\"%F0%9F%8E%AF_Introduction_ETF_vs_Actions_Pourquoi_la_Simplicite_Gagne\"><\/span><strong>\ud83c\udfaf Introduction : <strong>ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Beaucoup de personnes h\u00e9sitent entre un investissement boursier actif (choisir ses actions) ou un investissement boursier passif (suivre un march\u00e9 avec un ETF).<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans cet article, je vais t\u2019expliquer <strong>pourquoi les ETF sont selon mon opinion, la strat\u00e9gie la plus intelligente, la plus accessible et la plus efficace<\/strong> pour la plupart des investisseurs, qu\u2019ils soient d\u00e9butants ou exp\u00e9riment\u00e9s.<\/p>\n\n\n\n<figure class=\"wp-block-video aligncenter\" style=\"margin-top:var(--wp--preset--spacing--60);margin-right:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60);margin-left:var(--wp--preset--spacing--60);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" autoplay controls muted src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-e4f6d98e-e248-4659-9686-665458b6bf02.mp4\" playsinline><\/video><\/figure>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\">ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Les_ETF_Cest_Quoi_et_Pourquoi_Ca_Marche\"><\/span><strong>Les ETF : C\u2019est Quoi, et Pourquoi \u00c7a Marche ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Quest-ce_quun_ETF\"><\/span><strong>\ud83d\udd39 Qu\u2019est-ce qu\u2019un ETF ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>ETF (Exchange-Traded Fund)<\/strong> est un fonds qui <strong>r\u00e9plique un indice boursier<\/strong> (comme par exemple, le S&amp;P 500, le MSCI World ou le CAC 40). En achetant un ETF, tu ach\u00e8tes <strong>un panier entier d\u2019actions<\/strong> en une seule transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objetif, c&#8217;est de suivre le rendement de la strat\u00e9gie boursi\u00e8re de l&#8217;ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemples d\u2019ETF populaires :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>iShares Core S&amp;P 500 UCITS ETF<\/strong> : Suit les <strong>500 plus grandes entreprises am\u00e9ricaines<\/strong> (Apple, Microsoft, Amazon, etc.).<\/li>\n\n\n\n<li><strong>Vanguard FTSE All-World UCITS ETF<\/strong> : Suit <strong>plus de 3 800 entreprises dans le monde entier<\/strong>.<\/li>\n\n\n\n<li><strong>Lyxor MSCI Europe UCITS ETF<\/strong> : Suit les <strong>grandes entreprises europ\u00e9ennes<\/strong>.<\/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=\"Pourquoi_les_ETF_sont-ils_si_puissants_et_si_reputes\"><\/span><strong>Pourquoi les ETF sont-ils si puissants et si r\u00e9put\u00e9s ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour plusieurs raisons, voici les quatre raisons principales :<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Diversification\"><\/span>Diversification<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Avec <strong>un seul ETF<\/strong>, tu poss\u00e8des des <strong>centaines, voire des milliers d\u2019actions<\/strong> dans diff\u00e9rents pays et secteurs. Certains ETF sont tr\u00e8s diversifi\u00e9s et donnent acc\u00e8s a un panier avec beaucoup d&#8217;actions.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exemple<\/strong> : L&#8217;ETF VT (all-World) te donne acc\u00e8s \u00e0 plus de <strong>10&#8217;000 entreprises mondiales<\/strong> (Apple, Nestl\u00e9, Toyota, etc.) et plus de 10 secteurs d&#8217;investissement, tout cela en un seul achat.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Faibles_frais_de_gestion\"><\/span><strong>Faibles frais de gestion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais de gestion d\u2019un ETF sont souvent <strong>10 \u00e0 20 fois moins chers<\/strong> que ceux d\u2019un fonds actif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e8gle g\u00e9n\u00e9rale :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fonds actif<\/strong> : 1\u20132 % de frais par an.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETF<\/strong> : 0,05\u20130,5 % de frais par an.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec 100 000 CHF investis, tu \u00e9conomises <strong>des dizaines de milliers de francs<\/strong> en frais en 30 ans.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Transparence_totale\"><\/span><strong>Transparence totale<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Tu sais <strong>exactement<\/strong> dans quoi tu investis (contrairement \u00e0 certains fonds actifs opaques). Les ETF publient <strong>quotidiennement<\/strong> leur composition et tu peux voir un r\u00e9sum\u00e9 de l&#8217;ETF via le factsheet dans le site de l&#8217;ETF.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Forte_Liquidite\"><\/span>Forte <strong>Liquidit\u00e9<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Avec la majorit\u00e9 des ETF, tu peux <strong>acheter ou vendre<\/strong> un ETF \u00e0 tout moment, comme une action.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a98445c197fb&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a98445c197fb\" class=\"wp-block-image aligncenter size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"29560\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a5cc795be7b0\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Key strengths of ETFs explained\" data-image-description=\"&lt;p&gt;The image is an infographic detailing four key advantages of exchange-traded funds (ETFs). It is divided into four colorful sections, each highlighting a reason: 1) Instant diversification allowing access to many stocks or bonds in a single investment, reducing risk; 2) Low management fees (TER), enhancing net returns over time; 3) High liquidity, with ETFs being easy to buy and sell throughout the trading day; and 4) Complete transparency, as ETF holdings are published daily for full visibility. The infographic uses icons like pie charts, coins, handshake, magnifying glass, and a safe to visually reinforce each point, and has a clean, modern design with a soft blue background.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Explore four main reasons why ETFs are powerful investment vehicles.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?resize=600%2C600&#038;ssl=1\" alt=\"Four reasons for the strength of ETFs: diversification, low fees, high liquidity, and full transparency. - ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne\" class=\"wp-image-29560\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a5cc795be7b0.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Gestion_Passive_vs_Gestion_Active_Le_Match\"><\/span><strong>Gestion Passive vs. Gestion Active : Le Match<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici pourquoi <strong>la gestion passive (ETF) gagne la gestion active<\/strong> pour la plupart des investisseurs :<\/p>\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\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF (Gestion Passive)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Gestion Active (S\u00e9lection d\u2019actions)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Performance moyenne<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>\u00c9gale au march\u00e9<\/strong> (moins les frais)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>90% des fonds actifs sous-performent le march\u00e9<\/strong> (\u00e9tude SPIVA)<sup><a href=\"https:\/\/www.spglobal.com\/spdji\/en\/research-insights\/spiva\/\" target=\"_blank\" rel=\"noreferrer noopener\">1<\/a><\/sup><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Co\u00fbts<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>0,05\u20130,5 % par an<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>1\u20132 % par an + frais de transaction<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Temps n\u00e9cessaire<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Quelques heures par an<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>Des dizaines d\u2019heures par mois<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Risque<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Faible<\/strong> (diversification automatique)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>\u00c9lev\u00e9<\/strong> (erreur de s\u00e9lection, mauvais timing)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Stress<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Aucun<\/strong> (pas de d\u00e9cision \u00e0 prendre)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>\u00c9lev\u00e9<\/strong> (peur de se tromper, FOMO)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Comp\u00e9tences requises<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Aucune<\/strong> (accessible \u00e0 tous)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>\u00c9lev\u00e9es<\/strong> (analyse financi\u00e8re, connaissance des march\u00e9s)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Nous concluons qu&#8217;investir dans un ETF est plus simple, moins co\u00fbteux, demande moins de gestion et est g\u00e9n\u00e9ralement plus rentable que d&#8217;investir dans des actions individuelles.<\/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-13\"><span class=\"ez-toc-section\" id=\"Les_7_Avantages_Cles_des_ETF\"><\/span><strong>Les 7 Avantages Cl\u00e9s des ETF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_1_Tu_Bats_la_Majorite_des_Professionnels_Sans_Rien_Faire\"><\/span><strong>\ud83d\udd39 1. Tu Bats la Majorit\u00e9 des Professionnels (Sans Rien Faire)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>90% des fonds actifs sous-performent <\/strong>un simple ETF S&amp;P500 sur 10 ans (\u00e9tude <strong>SPIVA<\/strong>).<\/li>\n\n\n\n<li><strong>Exemple<\/strong> : Sur 15 ans, le <strong>S&amp;P 500<\/strong> a rapport\u00e9 <strong>~10 % par an<\/strong>. Seulement environ <strong>10 % des fonds actifs<\/strong> ont fait mieux.<\/li>\n\n\n\n<li><strong>Conclusion<\/strong> : En choisissant un ETF, tu es <strong>d\u00e9j\u00e0 dans le top 10% des investisseurs<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_2_Moins_de_Frais_Plus_de_Rendement\"><\/span><strong>\ud83d\udd39 2. Moins de Frais = Plus de Rendement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exemple concret<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>100 000 CHF<\/strong> investis dans un <strong>fonds actif \u00e0 1,5% de frais<\/strong> vs. un <strong>ETF \u00e0 0,20 %<\/strong>.<\/li>\n\n\n\n<li>Apr\u00e8s <strong>30 ans<\/strong>, avec un rendement moyen de <strong>7% par an<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Fonds actif<\/strong> : <strong>~500 000 CHF<\/strong> (apr\u00e8s frais).<\/li>\n\n\n\n<li><strong>ETF<\/strong> : <strong>~700 000 CHF<\/strong> (apr\u00e8s frais).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Diff\u00e9rence<\/strong> : <strong>200 000 CHF<\/strong> en moins \u00e0 cause des frais !<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_3_Pas_Besoin_dEtre_un_Expert\"><\/span><strong>\ud83d\udd39 3. Pas Besoin d\u2019\u00catre un Expert<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avec les ETF, <strong>pas besoin de :<\/strong>\n<ul class=\"wp-block-list\">\n<li>Lire des <strong>bilans financiers<\/strong>.<\/li>\n\n\n\n<li>Suivre l\u2019<strong>actualit\u00e9 \u00e9conomique<\/strong> 24\/7.<\/li>\n\n\n\n<li>Deviner <strong>quelle action va monter<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Tu n\u2019as qu\u2019\u00e0 :<\/strong>\n<ol class=\"wp-block-list\">\n<li>Choisir <strong>1 ou 2 ETF<\/strong> (ex. : MSCI World + S&amp;P 500).<\/li>\n\n\n\n<li>Investir <strong>r\u00e9guli\u00e8rement<\/strong> (ex. : 500 CHF\/mois).<\/li>\n\n\n\n<li><strong>Patienter<\/strong> pendant 10 ans (ou plus).<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_4_Reduction_du_Stress_et_des_Emotions\"><\/span><strong>\ud83d\udd39 4. R\u00e9duction du Stress et des \u00c9motions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pas de panique en cas de krach<\/strong> :\n<ul class=\"wp-block-list\">\n<li>En <strong>mars 2020<\/strong> (COVID), le S&amp;P 500 a chut\u00e9 de <strong>30 %<\/strong>. Beaucoup d\u2019investisseurs actifs ont <strong>vendu par peur<\/strong>\u2026 et ont <strong>rat\u00e9 la remont\u00e9e de +50 %<\/strong> les mois suivants.<\/li>\n\n\n\n<li>Avec un ETF, tu <strong>restes investi<\/strong> et profites de la reprise.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Pas de FOMO (Fear Of Missing Out)<\/strong> :\n<ul class=\"wp-block-list\">\n<li>Tu n\u2019as pas \u00e0 <strong>courir apr\u00e8s la prochaine action &#8220;miracle&#8221;<\/strong> (ex. : Tesla, SpaceX, etc.).<\/li>\n\n\n\n<li>Tu <strong>suis simplement le march\u00e9<\/strong>, sans pression.<\/li>\n\n\n\n<li>Exemple : Si tu d\u00e9tiens un ETF S&amp;P 500 depuis 10 ans, l&#8217;ETF a suivi l&#8217;action NVIDIA et t&#8217;a permis de gagner environ 250%.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_5_Diversification_Automatique_et_Gratuite\"><\/span><strong>\ud83d\udd39 5. Diversification Automatique (et Gratuite !)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Un seul ETF = des milliers d\u2019actions<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Exemple<\/strong> : Le <strong>Vanguard FTSE All-World<\/strong> contient environ <strong>10&#8217;000 entreprises<\/strong> dans <strong>47 pays<\/strong>. Pour un gestion qui te co\u00fbte 0.06% par ann\u00e9e.<\/li>\n\n\n\n<li><strong>Avantage<\/strong> : Si une entreprise fait faillite (ex. : Wirecard, Enron), ton portefeuille est <strong>prot\u00e9g\u00e9<\/strong> par la diversification.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>R\u00e9duction du risque<\/strong> :\n<ul class=\"wp-block-list\">\n<li>Par exemple, avec 10 actions individuelles, tu es <strong>tr\u00e8s expos\u00e9<\/strong> \u00e0 une mauvaise performance d\u2019une seule entreprise.<\/li>\n\n\n\n<li>Avec un ETF diversifi\u00e9, le risque est <strong>r\u00e9parti<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_6_Flexibilite_et_Accessibilite\"><\/span><strong>\ud83d\udd39 6. Flexibilit\u00e9 et Accessibilit\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tu peux commencer avec peu d\u2019argent<\/strong> :\n<ul class=\"wp-block-list\">\n<li>Certains ETF permettent d\u2019investir <strong>\u00e0 partir de 50 CHF<\/strong> (ex. : via <strong>Interactive Brokers<\/strong> ou <strong>Yuh<\/strong>).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_7_Historiquement_rentable_sur_le_Long_Terme\"><\/span><strong>\ud83d\udd39 7. Historiquement rentable sur le Long Terme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Historiquement, le march\u00e9 monte toujours sur le long terme<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>S&amp;P 500<\/strong> : <strong>+10 % par an en moyenne<\/strong> depuis 1926 (m\u00eame avec les krachs de 1929, 2008, 2020).<\/li>\n\n\n\n<li><strong>MSCI World<\/strong> : <strong>+7\u20138 % par an<\/strong> depuis sa cr\u00e9ation.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Exemple<\/strong> :\n<ul class=\"wp-block-list\">\n<li>Si tu avais investi <strong>10 000 CHF dans un ETF S&amp;P 500 en 2000<\/strong>, tu aurais <strong>~50 000 CHF en 2026<\/strong> (en r\u00e9-investissant les dividendes).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a98445c1cdcf&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a98445c1cdcf\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"600\" data-attachment-id=\"29558\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/graphique-7-raisons-de-choisir-les-etf\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?fit=1024%2C1536&amp;ssl=1\" data-orig-size=\"1024,1536\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; 7 raisons de choisir les ETF\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?fit=400%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\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF-400x600.png?resize=400%2C600&#038;ssl=1\" alt=\"ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne\" class=\"wp-image-29558\" style=\"aspect-ratio:0.6745362563237775;width:498px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?resize=400%2C600&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?resize=200%2C300&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?resize=768%2C1152&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?resize=600%2C900&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-7-raisons-de-choisir-les-ETF.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Les_Idees_Recues_sur_les_ETF_et_Pourquoi_elles_Sont_fausses\"><\/span><strong>Les Id\u00e9es Re\u00e7ues sur les ETF (et Pourquoi elles Sont fausses)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_%E2%80%9CLes_ETF_cest_pour_les_faineants_%E2%80%9D\"><\/span><strong>\u274c &#8220;Les ETF, c\u2019est pour les fain\u00e9ants !&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>R\u00e9ponse<\/strong> :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Non, c\u2019est pour les malins<\/strong> !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Warren Buffett<\/strong> (l\u2019un des meilleurs investisseurs de tous les temps) recommande un ETF S&amp;P 500 pour le <strong>99% des gens<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Citation de Buffett<\/strong> : <em>&#8220;Le meilleur conseil que je puisse donner \u00e0 la plupart des gens est d\u2019acheter un ETF S&amp;P 500 \u00e0 bas co\u00fbt et de le garder pour toujours.&#8221;<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_%E2%80%9CAvec_les_ETF_je_ne_pourrai_jamais_battre_le_marche%E2%80%9D\"><\/span><strong>\u274c &#8220;Avec les ETF, je ne pourrai jamais battre le march\u00e9.&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>R\u00e9ponse<\/strong> :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exactement !<\/strong> Et c\u2019est <strong>une bonne chose<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>90% des professionnels ne battent pas le march\u00e9<\/strong> sur le long terme. Pourquoi toi, tu y arriverais ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u2019objectif n\u2019est pas de battre le march\u00e9, mais de le suivre<\/strong> \u00e0 moindre co\u00fbt.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_%E2%80%9CLes_ETF_cest_trop_simple_ca_ne_peut_pas_marcher%E2%80%9D\"><\/span><strong>\u274c &#8220;Les ETF, c\u2019est trop simple, \u00e7a ne peut pas marcher.&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>R\u00e9ponse<\/strong> :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La simplicit\u00e9 est une force<\/strong> dans un placement boursier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">John Bogle, cr\u00e9ateur de Vanguard, a dit une citation qui r\u00e9sume l&#8217;importance de la simplicit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>&#8220;<\/em> <strong><em>La simplicit\u00e9 est la cl\u00e9 ma\u00eetresse du succ\u00e8s financier<\/em><\/strong> <em>&#8220;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple<\/strong> : Le <strong>S&amp;P 500<\/strong> a rapport\u00e9 <strong>~10 % par an<\/strong> depuis 100 ans. <strong>Tr\u00e8s peu de fonds actifs n\u2019ont fait mieux sur le long terme<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N&#8217;oublie pas qu&#8217;une bonne strat\u00e9gie financi\u00e8re n\u00e9cessite de patience et du temps. Et de r\u00e9aliser le moins de transactions possible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_%E2%80%9CJe_peux_faire_mieux_en_choisissant_moi-meme_mes_actions%E2%80%9D\"><\/span><strong>\u274c &#8220;<em>Je peux faire mieux en choisissant moi-m\u00eame mes actions<\/em>.&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>R\u00e9ponse<\/strong> :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, tu es un g\u00e9nie de la finance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D&#8217;apr\u00e8s l&#8217;\u00e9tude SPIVA, sur 15 ans, <strong>seulement 10% des fonds actifs<\/strong> battent un simple ETF S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu arrives \u00e0 battre le march\u00e9 sur une longue dur\u00e9e, tu es plus intelligent que le 90% des investisseurs.<\/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-26\"><span class=\"ez-toc-section\" id=\"Quelle_Strategie_ETF_Choisir\"><\/span><strong>Quelle Strat\u00e9gie ETF Choisir ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je ne connais pas au d\u00e9tail tous les ETF, mais voici les 3 ETF les plus populaires dans le monde.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_1_Le_Portefeuille_le_Plus_Simple_et_le_plus_diversifie_et_historiquement_tres_efficace\"><\/span><strong>\ud83d\udd39 1. Le Portefeuille le Plus Simple et le plus diversifi\u00e9 (et historiquement tr\u00e8s efficace)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ETF 100% Monde<\/strong> :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">ETF<\/th><th class=\"has-text-align-center\" data-align=\"center\">Exemple ETF<\/th><th class=\"has-text-align-center\" data-align=\"center\">Allocation<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00f4le<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>MSCI World<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">VT<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Diversification mondiale<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exemple<\/strong> : <strong>Vanguard FTSE All-World (IE00B3RBWM25)<\/strong> ou <strong>iShares MSCI World (IE00B4L5Y983)<\/strong>.<\/li>\n\n\n\n<li><strong>Avantages<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Diversification maximale<\/strong> (Plus de 3&#8217;000 entreprises dans le monde).<\/li>\n\n\n\n<li><strong>Frais ultra-bas<\/strong> (~0,20 % par an).<\/li>\n\n\n\n<li><strong>Performance historique<\/strong> : <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff9d6\" class=\"has-inline-color\">+7\u20138 % par an<\/mark><\/strong> sur le long terme.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_2_Un_Portefeuille_Equilibre_Pour_les_Prudents\"><\/span><strong>\ud83d\udd39 2. Un Portefeuille \u00c9quilibr\u00e9 (Pour les Prudents)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">ETF<\/th><th class=\"has-text-align-center\" data-align=\"center\">Exemple ETF<\/th><th class=\"has-text-align-center\" data-align=\"center\">Allocation<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00f4le<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>MSCI World<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">VT<\/td><td class=\"has-text-align-center\" data-align=\"center\">70 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actions mondiales<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF Obligataire Monde<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">BNDW<\/td><td class=\"has-text-align-center\" data-align=\"center\">20 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Stabilit\u00e9 (moins volatile)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF Or<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">IAU<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Protection contre les crises<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Moins de volatilit\u00e9<\/strong> gr\u00e2ce aux obligations et \u00e0 l\u2019or.<\/li>\n\n\n\n<li><strong>Adapt\u00e9 aux investisseurs prudents<\/strong>.<\/li>\n\n\n\n<li>Rendement portefeuille 2016-2025 : <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff9d6\" class=\"has-inline-color\">+6% par an<\/mark><\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_3_Un_Portefeuille_%E2%80%9CAgressif%E2%80%9D_Pour_les_Ambitieux\"><\/span><strong>\ud83d\udd39 3. Un Portefeuille &#8220;Agressif&#8221; (Pour les Ambitieux)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">ETF\/Action<\/th><th class=\"has-text-align-center\" data-align=\"center\">Allocation<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00f4le<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>MSCI World<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">40 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Base solide <br>(diversification mondiale)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF S&amp;P 500<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">40 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">March\u00e9 am\u00e9ricain<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF Nasdaq-100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">20 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actions \u00e0 fort potentiel de croissance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avantages<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>40% pour la diversification mondiale<\/strong><\/li>\n\n\n\n<li><strong>40% pour suivre la bourse am\u00e9ricaine<\/strong> (historiquement rentable)<\/li>\n\n\n\n<li><strong>20% en <\/strong>pour suivre les actions \u00e0 croissance am\u00e9ricaines (historiquement tr\u00e8s rentables)<\/li>\n\n\n\n<li>Rendement portefeuille 2016-2025 : <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff9d6\" class=\"has-inline-color\">+10% par an<\/mark><\/strong><\/li>\n<\/ul>\n<\/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-30\"><span class=\"ez-toc-section\" id=\"Comment_Commencer_avec_les_ETF_Guide_Pratique\"><\/span><strong>Comment Commencer avec les ETF ? (Guide Pratique)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Etape_1_Ouvre_un_Compte_chez_un_Courtier_Peu_Cher\"><\/span><strong>\ud83d\udd39 \u00c9tape 1 : Ouvre un Compte chez un Courtier Peu Cher<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Ouvre un compte de trading simple et abordable pour acheter et vendre des ETF. Voici quelques propositions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interactive Brokers<\/strong> (frais tr\u00e8s bas, large choix d\u2019ETF).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Yuh ou Neon Invest<\/strong> (pour les r\u00e9sidents suisses, s\u00e9curis\u00e9, frais raisonnables).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Saxo<\/strong> (bon march\u00e9 pour ETF europ\u00e9en).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Etape_2_Choisis_1_ou_2_ETF\"><\/span><strong>\ud83d\udd39 \u00c9tape 2 : Choisis 1 ou 2 ETF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu d\u00e9butes, je te propose de commencer avec un de ces 2 ETF:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETF Global<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple : Vanguard FTSE All-World (IE00B3RBWM25) : 100% actions mondiales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ou<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETF S&amp;P 500 (bourse am\u00e9ricaine)<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple : iShares Core<strong> S&amp;P 500 (IE00B53SZB19)<\/strong> : <strong>100% actions am\u00e9ricaines<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-33\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Etape_3_Investis_Regulierement_DCA\"><\/span><strong>\ud83d\udd39 \u00c9tape 3 : Investis R\u00e9guli\u00e8rement (DCA)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Investis chaque mois<\/strong> une partie importante de ton \u00e9pargne dans ton ETF pr\u00e9f\u00e9r\u00e9 pour \u00e9viter le stress li\u00e9 au march\u00e9. Mais n&#8217;oublie pas de laisser une marge de s\u00e9curit\u00e9 avec ton \u00e9pargne.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-34\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Etape_4_Reste_Investi_sur_le_Long_Terme\"><\/span><strong>\ud83d\udd39 \u00c9tape 4 : Reste Investi sur le Long Terme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ne vends pas ton portefeuille, peu importe s&#8217;il augmente ou diminue.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00e0 savoir qu&#8217;il arrive que ton portefeuille connaissent de fortes baisses (exemple : &#8211; 40% en 2020 avec le covid (S&amp;P 500)) ou de fortes augmentations (exemple +14% en avril 2026 (S&amp;P 500)).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ne prends pas en consid\u00e9ration les grandes fluctuations. L&#8217;essentiel est d&#8217;avoir un bon rendement sur le long terme.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a98445c22dd6&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a98445c22dd6\" class=\"wp-block-image aligncenter size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"29551\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/etf-vs-action-pourquoi-la-simplicite-gagne\/graphique-4-etapes-pour-debuter-les-investissements-avec-un-etf\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/Graphique-4-etapes-pour-debuter-les-investissements-avec-un-ETF.png?fit=1536%2C1024&amp;ssl=1\" data-orig-size=\"1536,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Graphique &amp;#8211; 4 \u00e9tapes pour d\u00e9buter les investissements avec un ETF\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/Graphique-4-etapes-pour-debuter-les-investissements-avec-un-ETF.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/Graphique-4-etapes-pour-debuter-les-investissements-avec-un-ETF-600x400.png?resize=600%2C400&#038;ssl=1\" alt=\"ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne\" class=\"wp-image-29551\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/Graphique-4-etapes-pour-debuter-les-investissements-avec-un-ETF.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/Graphique-4-etapes-pour-debuter-les-investissements-avec-un-ETF.png?resize=300%2C200&amp;ssl=1 300w, 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\/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"Conclusion_Les_ETF_la_Meilleure_Strategie_pour_99_des_Investisseurs\"><\/span><strong>Conclusion : Les ETF, la Meilleure Strat\u00e9gie pour 99% des Investisseurs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-36 wp-block-paragraph\"><strong>ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-37\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Pourquoi_les_ETF_sont-ils_la_meilleure_option\"><\/span><strong>\ud83d\udd39 Pourquoi les ETF sont-ils la meilleure option <\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Tu bats 90% des professionnels<\/strong> sans rien faire.<\/li>\n\n\n\n<li><strong>Tu \u00e9conomises des milliers de francs<\/strong> en frais.<\/li>\n\n\n\n<li><strong>Tu r\u00e9duis ton stress et tes \u00e9motions<\/strong> (pas de panique, pas de FOMO).<\/li>\n\n\n\n<li><strong>Tu profites de la diversification automatique<\/strong> (moins de risque).<\/li>\n\n\n\n<li><strong>C\u2019est simple, accessible et efficace<\/strong> (m\u00eame pour les d\u00e9butants).<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-38\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Mon_Conseil_Final\"><\/span><strong>\ud83d\udd39 Mon Conseil Final<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusion, si tu veux <strong>une strat\u00e9gie simple, performante et sans stress<\/strong>, <strong>les ETF sont faits pour toi<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Commence d\u00e8s aujourd\u2019hui<\/strong> :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ouvre un compte chez <strong>Interactive Brokers<\/strong>, Saxo, Yuh ou Neon Invest.<\/li>\n\n\n\n<li>Ach\u00e8te un <strong>ETF Monde<\/strong> ou un ETF S&amp;P 500 (ex. : Vanguard VT ou ETF Vanguard VOO).<\/li>\n\n\n\n<li>Investis <strong>r\u00e9guli\u00e8rement chaque mois<\/strong> (ex. : 500 CHF\/mois).<\/li>\n\n\n\n<li><strong>Oublie ton portefeuille boursier pendant 10 ans<\/strong> afin de le laisser cro\u00eetre<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-39\"><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_ETF_vs_Actions_Pourquoi_la_Simplicite_Gagne\"><\/span>FAQ &#8211; ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<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-primary-background-color has-text-color has-background has-link-color wp-elements-40\"><span class=\"ez-toc-section\" id=\"Quest-ce_quun_ETF\"><\/span>Qu&#8217;est-ce qu&#8217;un ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF (Exchange-Traded Fund) est un fonds d&#8217;investissement cot\u00e9 en bourse qui r\u00e9plique la performance d&#8217;un indice comme par exemple, le S&amp;P 500, le MSCI World ou le CAC 40. En achetant un seul ETF, tu investis automatiquement dans des dizaines, des centaines, voire des milliers d&#8217;entreprises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-41\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_un_ETF_et_une_action\"><\/span>Quelle est la diff\u00e9rence entre un ETF et une action ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une action repr\u00e9sente une participation dans une seule entreprise, tandis qu&#8217;un ETF regroupe plusieurs actions dans un m\u00eame fonds. Les ETF offrent une meilleure diversification et r\u00e9duisent le risque li\u00e9 \u00e0 la faillite financi\u00e8re d&#8217;une entreprise en particulier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-42\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_dans_des_ETF_ou_dans_des_actions_individuelles\"><\/span>Faut-il investir dans des ETF ou dans des actions individuelles ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour la majorit\u00e9 des investisseurs, les ETF sont souvent plus adapt\u00e9s. Ils permettent de diversifier facilement son portefeuille, d&#8217;investir avec des frais faibles et de suivre la performance globale du march\u00e9 sans avoir \u00e0 s\u00e9lectionner soi-m\u00eame des actions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-primary-background-color has-text-color has-background has-link-color wp-elements-43\"><span class=\"ez-toc-section\" id=\"Les_ETF_sont-ils_adaptes_aux_debutants\"><\/span>Les ETF sont-ils adapt\u00e9s aux d\u00e9butants ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui en effet, les ETF sont particuli\u00e8rement recommand\u00e9s aux d\u00e9butants car ils sont simples \u00e0 comprendre, peu co\u00fbteux et ne n\u00e9cessitent pas de connaissances approfondies en analyse financi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-44\"><span class=\"ez-toc-section\" id=\"Les_ETF_sont-ils_moins_risques_que_les_actions\"><\/span>Les ETF sont-ils moins risqu\u00e9s que les actions ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF restent des investissements en bourse et comportent un risque de perte en capital. En revanche, leur diversification permet g\u00e9n\u00e9ralement de limiter le risque par rapport \u00e0 l&#8217;achat de quelques actions individuelles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-45\"><span class=\"ez-toc-section\" id=\"Peut-on_gagner_de_largent_avec_des_ETF\"><\/span>Peut-on gagner de l&#8217;argent avec des ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, les ETF permettent de profiter de la croissance des march\u00e9s financiers sur le long terme. Cependant, les performances pass\u00e9es ne garantissent pas les performances futures et il existe toujours un risque de perte d&#8217;argent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-46\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_ETF_ont-ils_des_frais_aussi_faibles\"><\/span>Pourquoi les ETF ont-ils des frais aussi faibles ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF utilisent une gestion passive qui consiste simplement \u00e0 r\u00e9pliquer un indice boursier. Cette approche n\u00e9cessite moins d&#8217;intervention qu&#8217;une gestion active, ce qui permet de r\u00e9duire fortement les frais de gestion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-47\"><span class=\"ez-toc-section\" id=\"Est-il_possible_de_battre_le_marche_avec_des_actions_individuelles\"><\/span>Est-il possible de battre le march\u00e9 avec des actions individuelles ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est possible, mais tr\u00e8s difficile sur le long terme. En r\u00e9alit\u00e9, de nombreuses \u00e9tudes montrent que la majorit\u00e9 des investisseurs particuliers et des fonds actifs sous-performent les grands indices boursiers (exemple, un ETF S&amp;P 500) apr\u00e8s d\u00e9duction des frais.<\/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-48\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_ETF_pour_commencer\"><\/span>Quel est le meilleur ETF pour commencer ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n&#8217;existe pas de meilleur ETF universel. Les investisseurs d\u00e9butants privil\u00e9gient souvent un ETF mondial (MSCI World ou FTSE All-World) ou un ETF suivant le S&amp;P 500 afin d&#8217;obtenir une large diversification. Personnellement, j&#8217;aime particuli\u00e8rement l&#8217;ETF VT (monde) ou ETF VOO (S&amp;P 500)<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-49\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_investir_pour_debuter_avec_des_ETF\"><\/span>Combien faut-il investir pour d\u00e9buter avec des ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est possible de commencer avec quelques dizaines de francs ou d&#8217;euros selon le courtier utilis\u00e9. En effet, certains ETF co\u00fbtent moins de 20 USD. L&#8217;important est surtout d&#8217;investir r\u00e9guli\u00e8rement et sur le long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-primary-background-color has-text-color has-background has-link-color wp-elements-50\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_meilleure_strategie_pour_investir_dans_des_ETF\"><\/span>Quelle est la meilleure strat\u00e9gie pour investir dans des ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La strat\u00e9gie la plus r\u00e9pandue consiste \u00e0 investir r\u00e9guli\u00e8rement chaque mois (aussi connue comme m\u00e9thode DCA). C&#8217;est-\u00e0-dire, investir chaque mois et conserver ses investissements pendant de nombreuses ann\u00e9es. Sans analyser le march\u00e9 boursier<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-51\"><span class=\"ez-toc-section\" id=\"Les_ETF_versent-ils_des_dividendes\"><\/span>Les ETF versent-ils des dividendes ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certains ETF distribuent les dividendes aux investisseurs (ETF distribution), tandis que d&#8217;autres les r\u00e9investissent automatiquement dans l&#8217;ETF (ETF capitalisation). Le choix d\u00e9pend des objectifs de l&#8217;investisseur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-52\"><span class=\"ez-toc-section\" id=\"Peut-on_perdre_de_largent_avec_un_ETF\"><\/span>Peut-on perdre de l&#8217;argent avec un ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Comme tout investissement en actions, un ETF peut perdre de la valeur lors des baisses de march\u00e9. Toutefois, les march\u00e9s financiers ont historiquement affich\u00e9 une tendance haussi\u00e8re sur le tr\u00e8s long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-53\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_la_gestion_passive_et_la_gestion_active\"><\/span>Quelle est la diff\u00e9rence entre la gestion passive et la gestion active ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gestion passive = suivre un indice boursier via un ETF <\/li>\n\n\n\n<li>gestion active = s\u00e9lectionner les meilleures actions pour battre le march\u00e9. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que la gestion passive est g\u00e9n\u00e9ralement moins co\u00fbteuse, demande beaucoup moins de temps et historiquement plus rentable qu&#8217;une gestion active.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-54\"><span class=\"ez-toc-section\" id=\"Les_ETF_sont-ils_une_bonne_strategie_dinvestissement_a_long_terme\"><\/span>Les ETF sont-ils une bonne strat\u00e9gie d&#8217;investissement \u00e0 long terme ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour de nombreux investisseurs, les ETF constituent une excellente strat\u00e9gie \u00e0 long terme gr\u00e2ce \u00e0 leur diversification, leurs faibles frais et leur capacit\u00e9 \u00e0 suivre la croissance des march\u00e9s financiers.<\/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-55\"><span class=\"ez-toc-section\" id=\"ETF_vs_Actions_Pourquoi_la_Simplicite_Gagne\"><\/span>ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<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=12468\" 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\/pourquoi-dire-non-essentiel-minimalisme\/\">Pourquoi Dire Non est Essentiel?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/essentiel-cest-essentiel\/\">L&#8217;essentiel c&#8217;est &#8230; essentiel<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/elimination-la-cle-dune-vie-simplifiee\/\">\u00c9limination: la cl\u00e9 d&#8217;une vie simplifi\u00e9e<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/pourquoi-le-dca-est-la-cle-de-linvestissement-reussi\/\">Pourquoi le DCA est la cl\u00e9 de l&#8217;investissement r\u00e9ussi?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-devenir-minimalisme\/\">Le Minimalisme et comment le devenir?<\/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-56 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-57\"><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\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-58 wp-block-paragraph\">ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-59 wp-block-paragraph\">Investir : Actif VS Passif ETF ou Actions ?<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-60 wp-block-paragraph\">Investir : Actif VS Passif ETF ou Actions ?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne ?<br \/>\nLier investissement, rentabilit\u00e9 et simplicit\u00e9 peut \u00eatre plus facile que tu le crois.<\/p>","protected":false},"author":215552267,"featured_media":29567,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":29555,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Investir activement ou passivement, ETF ou action? \n\nVoici un r\u00e9sum\u00e9 dans un article simple, court et recherch\u00e9.\n\nEn passant seulement 10 minutes par mois pour investir, Il est possible de recevoir des bons b\u00e9n\u00e9fices boursiers.","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728543235,728542814,728545618,728545657,728542878,728542816,728545639,728545250,728544542,728545655,728544448,728545228,728544573,728545656,728545640],"class_list":["post-12468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-actions","tag-bourse","tag-debuter-en-bourse","tag-dca","tag-diversification","tag-etf","tag-etf-monde","tag-gestion-active","tag-gestion-passive","tag-investissement-actif","tag-investissement-en-bourse","tag-investissement-long-terme","tag-investissement-passif","tag-msci-world","tag-sp-500"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"ETF vs. Actions : Pourquoi la Simplicit\u00e9 Gagne \u00e0 la gestion active ? 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