{"id":1248,"date":"2026-07-09T15:50:10","date_gmt":"2026-07-09T13:50:10","guid":{"rendered":"http:\/\/minimalistefrugaliste.com\/?p=1248"},"modified":"2026-07-09T15:58:42","modified_gmt":"2026-07-09T13:58:42","slug":"4-rule","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/","title":{"rendered":"The 4% rule: The golden rule for financial independence"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>La fameuse r\u00e8gle des 4% tant discut\u00e9 par les frugalistes. Dans cet article, nous allons analyser pourquoi la R\u00e8gle des 4% est la r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re \ud83d\ude09<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 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\/regle-4\/#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\/regle-4\/#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\/regle-4\/#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\/regle-4\/#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\/regle-4\/#La_regle_des_4_le_principe_qui_a_inspire_le_mouvement_FIRE\" >La r\u00e8gle des 4% : le principe qui a inspir\u00e9 le mouvement FIRE<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Quest-ce_que_la_regle_des_4\" >Qu&#8217;est-ce que la r\u00e8gle des 4 % ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Comment_fonctionne_cette_regle\" >Comment fonctionne cette r\u00e8gle ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Exemple_de_la_regle_des_4_avec_LIntelligence_Artificielle\" >Exemple de la r\u00e8gle des 4% avec L&#8217;Intelligence Artificielle ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Pourquoi_multiplie-t-on_ses_depenses_par_25\" >Pourquoi multiplie-t-on ses d\u00e9penses par 25 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Comment_appliquer_la_regle_des_4_par_mois\" >Comment appliquer la r\u00e8gle des 4% par mois ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#La_regle_des_4_est-elle_fiable\" >La r\u00e8gle des 4 % est-elle fiable ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Faut-il_utiliser_4_aujourdhui\" >Faut-il utiliser 4% aujourd&#8217;hui ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Ce_quil_faut_retenir_de_la_regle_des_4\" >Ce qu&#8217;il faut retenir de la r\u00e8gle des 4%<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Conclusion_Regle_des_4_La_regle_dor_pour_lindependance_financiere\" >Conclusion : R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#FAQ_%E2%80%93_Regle_des_4_La_regle_dor_pour_lindependance_financiere\" >FAQ &#8211; R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#La_regle_des_4_fonctionne-t-elle_vraiment\" >La r\u00e8gle des 4% fonctionne-t-elle vraiment ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Pourquoi_parle-t-on_autant_de_la_regle_des_4_dans_le_mouvement_FIRE\" >Pourquoi parle-t-on autant de la r\u00e8gle des 4% dans le mouvement FIRE ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Comment_calculer_mon_objectif_FIRE_avec_la_regle_des_4\" >Comment calculer mon objectif FIRE avec la r\u00e8gle des 4% ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Pourquoi_multiplier_ses_depenses_par_25\" >Pourquoi multiplier ses d\u00e9penses par 25 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#La_regle_des_4_prend-elle_en_compte_linflation\" >La r\u00e8gle des 4% prend-elle en compte l\u2019inflation ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Est-ce_quun_portefeuille_100_actions_est_obligatoire\" >Est-ce qu\u2019un portefeuille 100% actions est obligatoire ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Puis-je_utiliser_la_regle_des_4_en_Suisse\" >Puis-je utiliser la r\u00e8gle des 4% en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Est-ce_quun_ETF_S_P500_suffit_pour_appliquer_cette_strategie\" >Est-ce qu\u2019un ETF S&amp;P500 suffit pour appliquer cette strat\u00e9gie ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Que_se_passe-t-il_si_la_bourse_chute_apres_ma_retraite\" >Que se passe-t-il si la bourse chute apr\u00e8s ma retraite ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#4_ou_38_quel_taux_choisir\" >4% ou 3,8% : quel taux choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#La_regle_des_4_garantit-elle_de_ne_jamais_manquer_dargent\" >La r\u00e8gle des 4% garantit-elle de ne jamais manquer d\u2019argent ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/#Regle_des_4_La_regle_dor_pour_lindependance_financiere\" >R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a58d8b9e0a5b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a58d8b9e0a5b\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"448\" height=\"600\" data-attachment-id=\"29155\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a4f695e0d2f6\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?fit=896%2C1200&amp;ssl=1\" data-orig-size=\"896,1200\" 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=\"Retirement 4% rule strategy overview\" data-image-description=\"&lt;p&gt;The image shows a presentation slide projected on a screen in a conference room with several attendees visible from behind. The slide is titled &amp;#8216;LA R\u00c8GLE DES 4%&amp;#8217; and lists five key points in French related to the 4% rule for retirement: strategy, sustainable withdrawal rate, maintaining capital, preserving purchasing power, and possible adjustments. The background features financial graphics such as charts, currency symbols (euro and dollar), stacks of coins, and a smiling elderly couple holding hands, symbolizing financial security in retirement. A green upward arrow emphasizes growth or positive financial outcomes. The scene conveys a financial seminar or educational session focused on retirement planning.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;A presentation slide explaining the 4% rule as a retirement strategy with key points.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?fit=448%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-6a4f695e0d2f6.png?resize=448%2C600&#038;ssl=1\" alt=\"Presentation slide titled 'La r\u00e8gle des 4%' listing five points about retirement strategy in French, with financial symbols and an elderly couple image\" class=\"wp-image-29155\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?resize=448%2C600&amp;ssl=1 448w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?resize=224%2C300&amp;ssl=1 224w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?resize=768%2C1029&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?resize=9%2C12&amp;ssl=1 9w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?resize=600%2C804&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f695e0d2f6.png?w=896&amp;ssl=1 896w\" sizes=\"auto, (max-width: 448px) 100vw, 448px\" \/><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><figcaption class=\"wp-element-caption\">A presentation slide explaining the 4% rule as a retirement strategy with key points.<\/figcaption><\/figure>\n\n\n\n<div data-wp-context=\"{&quot;notices&quot;:[],&quot;hideNextPreviousButtons&quot;:false,&quot;isDisabledPrevious&quot;:true,&quot;isDisabledNext&quot;:false,&quot;ariaLabelPrevious&quot;:&quot;Previous products&quot;,&quot;ariaLabelNext&quot;:&quot;Next products&quot;,&quot;collection&quot;:&quot;woocommerce\\\/product-collection\\\/hand-picked&quot;}\" data-wp-init=\"callbacks.onRender\" data-wp-interactive=\"woocommerce\/product-collection\" data-wp-router-region=\"wc-product-collection-0\" 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\" 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contained\"\n\t\t\t\t\t\taria-label=\"Dismiss this notice\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.removeNotice\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n\t\t\t\t\t\t\t<path d=\"M13 11.8l6.1-6.3-1-1-6.1 6.2-6.1-6.2-1 1 6.1 6.3-6.5 6.7 1 1 6.5-6.6 6.5 6.6 1-1z\" \/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/template>\n\t\t<\/div>\n\t\t\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-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" 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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" 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;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" 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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" 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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"border-width:4px;border-radius:18px;background-color:#0b0334\"><strong>\u26a0\ufe0f N&#8217;oublie pas que tu es le seul responsable de tes investissements. Investir comporte un risque de perte d&#8217;argent.<\/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-0081e33341db79b7bb4d281e2c169c26\"><span class=\"ez-toc-section\" id=\"La_regle_des_4_le_principe_qui_a_inspire_le_mouvement_FIRE\"><\/span>La r\u00e8gle des 4% : le principe qui a inspir\u00e9 le mouvement FIRE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tu aimerais vivre un jour de tes investissements plut\u00f4t que de ton salaire ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est pr\u00e9cis\u00e9ment l&#8217;id\u00e9e derri\u00e8re la c\u00e9l\u00e8bre <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fdffd1\" class=\"has-inline-color\">r\u00e8gle des 4%<\/mark><\/strong><sup><a href=\"https:\/\/www.moneyland.ch\/fr\/regle-4-pourcent-investir-retraite\">1<\/a><\/sup>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00e8s populaire aupr\u00e8s des adeptes du mouvement FIRE (<em>Financial Independence, Retire Early<\/em>), cette r\u00e8gle permet d&#8217;estimer le capital n\u00e9cessaire pour devenir financi\u00e8rement ind\u00e9pendant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais attention : ce n&#8217;est ni une formule magique, ni une garantie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voyons comment elle fonctionne.<\/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-25cdfcb8b8b5bc5d094b83729d5818d5\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_regle_des_4\"><\/span>Qu&#8217;est-ce que la r\u00e8gle des 4 % ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e8gle des 4 % provient de la <strong>Trinity Study<\/strong>, une \u00e9tude publi\u00e9e en 1998 par trois professeurs de l&#8217;Universit\u00e9 Trinity aux \u00c9tats-Unis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les chercheurs ont analys\u00e9 plusieurs d\u00e9cennies de donn\u00e9es boursi\u00e8res afin de r\u00e9pondre \u00e0 une question simple :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><em>Quel pourcentage peut-on retirer chaque ann\u00e9e de son portefeuille sans risquer de l&#8217;\u00e9puiser trop rapidement ?<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Leur conclusion est la suivante :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Historiquement, un portefeuille compos\u00e9 majoritairement d&#8217;actions am\u00e9ricaines avait de fortes chances de durer au moins <strong>25 ans<\/strong> avec un retrait initial de <strong>4%<\/strong>, puis des retraits ajust\u00e9s \u00e0 l&#8217;inflation.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est cette conclusion qui a donn\u00e9 naissance \u00e0 la c\u00e9l\u00e8bre r\u00e8gle des 4 %.<\/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-5ae2d8bff3825981e5132d66adef8cbb\"><span class=\"ez-toc-section\" id=\"Comment_fonctionne_cette_regle\"><\/span>Comment fonctionne cette r\u00e8gle ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons que tu poss\u00e8des un portefeuille de <strong>1 000 000 CHF<\/strong> investi dans un ETF d&#8217;actions am\u00e9ricaines (exemple, un ETF S&amp;P500).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La premi\u00e8re ann\u00e9e, tu retires :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1 000 000 \u00d7 4 % = 40 000 CHF<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu disposes donc de <strong>40 000 CHF<\/strong> pour vivre pendant cette premi\u00e8re ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les ann\u00e9es suivantes, tu continues \u00e0 retirer un montant similaire, ajust\u00e9 en fonction de l&#8217;inflation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pendant ce temps, ton portefeuille reste investi en bourse. Les entreprises continuent de verser des dividendes et la valeur de tes investissements peut augmenter&#8230; ou diminuer selon l&#8217;\u00e9volution des march\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif n&#8217;est donc pas de conserver exactement <strong>1 000 000 CHF<\/strong>, mais de faire en sorte que ton patrimoine continue \u00e0 produire suffisamment de rendement pour financer tes retraits pendant plusieurs d\u00e9cennies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prenons un exemple concret.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons que ton portefeuille obtienne :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un rendement annualis\u00e9 moyen de <strong>8% par an<\/strong><\/li>\n\n\n\n<li>sur les 30 prochaines ann\u00e9es <\/li>\n\n\n\n<li>que tu retires <strong>4% par an<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce sc\u00e9nario, ton portefeuille continuerait g\u00e9n\u00e9ralement \u00e0 cro\u00eetre malgr\u00e9 tes retraits. Apr\u00e8s 30 ans, il est m\u00eame tout \u00e0 fait possible qu&#8217;il vaille <strong>plus d&#8217;un million de francs<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l&#8217;inverse, si les march\u00e9s traversent plusieurs mauvaises ann\u00e9es juste apr\u00e8s le d\u00e9but de ta retraite, ton portefeuille pourrait diminuer plus rapidement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffcd6\" class=\"has-inline-color\">C&#8217;est pourquoi la r\u00e8gle des 4% ne cherche pas \u00e0 pr\u00e9dire le montant exact qu&#8217;il te restera dans 30 ans<\/mark>.<\/strong> <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffdc7\" class=\"has-inline-color\">Elle indique simplement qu&#8217;historiquement, un retrait de 4% offrait une forte probabilit\u00e9 que le portefeuille soit stabilis\u00e9 apr\u00e8s 30 ans.<\/mark><\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a58d8ba17465&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a58d8ba17465\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"1200\" data-attachment-id=\"29140\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a4f3f7704d79\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?fit=896%2C1200&amp;ssl=1\" data-orig-size=\"896,1200\" 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=\"Retirement 4% rule explained infographic\" data-image-description=\"&lt;p&gt;This infographic illustrates the 4% rule for retirement savings withdrawal. It shows a money bag labeled &amp;#8216;Capital de retraite (\u00e9pargne)&amp;#8217; and a person withdrawing 4% from the initial capital in the first year. Subsequent years involve adjusting withdrawals for inflation to maintain purchasing power, represented by a shopping cart and grocery items. The main objective is to make capital last 30 years or more, balancing withdrawals and inflation against portfolio growth with a seesaw diagram. The style uses bright colors and clear icons for ease of understanding.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;An infographic explaining the 4% rule for sustainable retirement withdrawals.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?fit=448%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-6a4f3f7704d79.png?resize=896%2C1200&#038;ssl=1\" alt=\"Infographic explaining the 4% retirement rule with money bag, withdrawal cycle, inflation adjustment, and portfolio balance - R\u00e8gle des 4%: La r\u00e8gle d'or pour l'ind\u00e9pendance financi\u00e8re\" class=\"wp-image-29140\" style=\"aspect-ratio:0.7506800918565625;width:360px;height:auto\" title=\"Retirement 4% rule explained infographic\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?w=896&amp;ssl=1 896w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?resize=224%2C300&amp;ssl=1 224w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?resize=448%2C600&amp;ssl=1 448w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?resize=768%2C1029&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?resize=9%2C12&amp;ssl=1 9w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3f7704d79.png?resize=600%2C804&amp;ssl=1 600w\" sizes=\"auto, (max-width: 896px) 100vw, 896px\" \/><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-fa52b432adbed0d588640adf8c42c65c\"><span class=\"ez-toc-section\" id=\"Exemple_de_la_regle_des_4_avec_LIntelligence_Artificielle\"><\/span>Exemple de la r\u00e8gle des 4% avec L&#8217;Intelligence Artificielle ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;ai demand\u00e9 \u00e0 l&#8217;intelligence artificielle d&#8217;appliquer la r\u00e8gle des 4% de 2010 \u00e0 2025 avec un ETF S&amp;P500 (ETF VOO).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF S&amp;P500 est un ensemble des 500 meilleures actions am\u00e9ricaines. Selon la r\u00e8gle des 4%, un portefeuille compos\u00e9 \u00e0 100% d&#8217;actions am\u00e9ricaines a la meilleure chance d&#8217;\u00eatre rentable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que l&#8217;intelligence artificielle ne soit pas une source irr\u00e9prochable, j&#8217;ai voulu analyser le calcul.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons aussi que j&#8217;ai pris en compte la date de cr\u00e9ation de l&#8217;ETF S&amp;P 500 VOO (2010) jusqu&#8217;au 31 d\u00e9cembre 2025, soit environ 15 ans. La r\u00e8gle des 4% est plut\u00f4t pr\u00e9vu pour au moins 25 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ma question \u00e0 l&#8217;IA :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Si un actionnaire avait investi 500&#8217;000 USD dans l&#8217;ETF VOO en septembre 2010 (date de cr\u00e9ation de l&#8217;ETF), r\u00e9investis les dividendes, et retir\u00e9 4% annuellement de son portefeuille, quelle somme aurait-il au 31 d\u00e9cembre 2025 ?<\/em><\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-3dfa7140fd3e13ab9e1e48492da93440 wp-block-paragraph\" style=\"color:#fffed6\"><strong>-> 1&#8217;650&#8217;000 USD<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous voyons que dans cet exemple, le portefeuille aurait plus que tripl\u00e9 malgr\u00e9 un retrait de 4% chaque ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il faut nuancer, cet exemple n&#8217;est pas une r\u00e8gle absolue. Par exemple, si \u00e0 l&#8217;avenir, la bourse affiche des rendements tr\u00e8s n\u00e9gatifs pendant trois ann\u00e9es cons\u00e9cutives, les r\u00e9sultats seront tr\u00e8s diff\u00e9rents de cet exemple.<\/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-e0f2443e043a8212ea18cb71f6c9a5f7\"><span class=\"ez-toc-section\" id=\"Pourquoi_multiplie-t-on_ses_depenses_par_25\"><\/span>Pourquoi multiplie-t-on ses d\u00e9penses par 25 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le calcul de la r\u00e8gle des 4% est tr\u00e8s simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu retires <strong>4%<\/strong> de ton patrimoine chaque ann\u00e9e, ton capital doit repr\u00e9senter <strong>25 ann\u00e9es de d\u00e9penses<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Capital n\u00e9cessaire = D\u00e9penses annuelles \u00d7 25<\/strong><\/p>\n<\/blockquote>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a58d8ba1854f&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a58d8ba1854f\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" data-attachment-id=\"29134\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a4f3ab65169e-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3ab65169e-edited.png?fit=1024%2C579&amp;ssl=1\" data-orig-size=\"1024,579\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"minimaliste-et-frugaliste-6a4f3ab65169e\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3ab65169e-edited.png?fit=600%2C339&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-6a4f3ab65169e-edited.png?resize=1024%2C579&#038;ssl=1\" alt=\"Remove text discover the hidden secrets\" class=\"wp-image-29134\" style=\"width:271px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3ab65169e-edited.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3ab65169e-edited.png?resize=300%2C170&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3ab65169e-edited.png?resize=600%2C339&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3ab65169e-edited.png?resize=768%2C434&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4f3ab65169e-edited.png?resize=18%2C10&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9penses de <strong>20 000 CHF\/an<\/strong> \u2192 objectif de <strong>500 000 CHF<\/strong><\/li>\n\n\n\n<li>D\u00e9penses de <strong>30 000 CHF\/an<\/strong> \u2192 objectif de <strong>750 000 CHF<\/strong><\/li>\n\n\n\n<li>D\u00e9penses de <strong>40 000 CHF\/an<\/strong> \u2192 objectif de <strong>1 000 000 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce montant est souvent appel\u00e9 le <strong>Fire Number<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et si tu le souhaites, tu peux aussi calculer ton Nombre FIRE avec tes d\u00e9penses mensuelles. Il suffit de faire:<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>D\u00e9penses mensuelle x 300<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9sultat sera le m\u00eame que d\u00e9penses annuelles x 25.<\/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-f477a317ca4a9df34149ddb28c4e83e1\"><span class=\"ez-toc-section\" id=\"Comment_appliquer_la_regle_des_4_par_mois\"><\/span>Comment appliquer la r\u00e8gle des 4% par mois ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quelques financiers affirment qu&#8217;il est pr\u00e9f\u00e9rable de retirer des petits montants chaque mois que de retirer une grosse somme par ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si ton objectif est de retirer 4% par ann\u00e9e, il faut faire un calcul simple:<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">4 : 12 mois = 0,333% par mois<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, pour appliquer la r\u00e8gle des 4% par mois, il faut retirer 0,333% de son portefeuille chaque mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela donnerai approximativement 4% de retrait par ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, cette option est pr\u00e9f\u00e9rable, car nous sommes habitu\u00e9s \u00e0 d\u00e9penser un salaire par mois. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En plus, certains financiers affirment que cette option a plus de chances de faire cro\u00eetre le portefeuille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-1a787b616f9a2e76a77b17823db72c3f\"><span class=\"ez-toc-section\" id=\"La_regle_des_4_est-elle_fiable\"><\/span>La r\u00e8gle des 4 % est-elle fiable ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui\u2026 mais avec prudence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette r\u00e8gle repose sur des performances historiques des march\u00e9s financiers am\u00e9ricains.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or, personne ne peut garantir que les prochaines d\u00e9cennies ressembleront aux pr\u00e9c\u00e9dentes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle suppose \u00e9galement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un portefeuille bien diversifi\u00e9 <\/li>\n\n\n\n<li>une forte proportion d&#8217;actions <\/li>\n\n\n\n<li>des frais d&#8217;investissement faibles <\/li>\n\n\n\n<li>une retraite d&#8217;environ 30 ans<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est donc une excellente estimation, mais certainement pas une garantie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-3183f4f02f767e6374f38de6782fa367\"><span class=\"ez-toc-section\" id=\"Faut-il_utiliser_4_aujourdhui\"><\/span>Faut-il utiliser 4% aujourd&#8217;hui ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreux investisseurs pr\u00e9f\u00e8rent d\u00e9sormais \u00eatre un peu plus prudents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au lieu de retirer <strong>4%<\/strong>, certains choisissent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3,8%<\/strong>, pour disposer d&#8217;une petite marge de s\u00e9curit\u00e9 <\/li>\n\n\n\n<li><strong>3,5%<\/strong>, lorsqu&#8217;ils souhaitent prendre leur retraite tr\u00e8s t\u00f4t<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En pratique, la diff\u00e9rence est faible, mais elle permet de mieux r\u00e9sister \u00e0 de longues p\u00e9riodes de baisse des march\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, si les r\u00e9sultats boursiers am\u00e9ricains sont aussi bons dans le futur que la p\u00e9riode 2010 \u00e0 2025, un retrait de 4% est d\u00e9j\u00e0 suffisamment prudent.<\/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-7961911388ccb0661765252137ebf888\"><span class=\"ez-toc-section\" id=\"Ce_quil_faut_retenir_de_la_regle_des_4\"><\/span>Ce qu&#8217;il faut retenir de la r\u00e8gle des 4%<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e8gle des 4% ne pr\u00e9dit pas l&#8217;avenir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle permet simplement d&#8217;estimer un \u00e9quilibre entre retrait et croissance de son portefeuille boursier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est un excellent outil pour fixer un objectif financier, \u00e0 condition de rester flexible et de ne pas consid\u00e9rer ce pourcentage comme une v\u00e9rit\u00e9 absolue.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au fond, la r\u00e8gle des 4 % ne r\u00e9pond pas \u00e0 la question :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab <em>Combien puis-je gagner<\/em> ? \u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Elle r\u00e9pond plut\u00f4t \u00e0 une autre question, bien plus int\u00e9ressante :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab <em>De combien ai-je r\u00e9ellement besoin pour \u00eatre libre ?<\/em> \u00bb<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a58d8ba1a226&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a58d8ba1a226\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" data-attachment-id=\"29112\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/grapique-regle-des-4-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.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=\"grapique &amp;#8211; r\u00e8gle des 4%\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.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\/2026\/05\/grapique-regle-des-4-1.png?resize=600%2C400&#038;ssl=1\" alt=\"R\u00e8gle des 4%: La r\u00e8gle d'or pour l'ind\u00e9pendance financi\u00e8re\" class=\"wp-image-29112\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.png?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/grapique-regle-des-4-1.png?w=1536&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n<\/blockquote>\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-33cbea495db55f1ae704d4eebf3abec1\"><span class=\"ez-toc-section\" id=\"Conclusion_Regle_des_4_La_regle_dor_pour_lindependance_financiere\"><\/span><strong>Conclusion<\/strong> : R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e8gle des 4 % n&#8217;est pas une formule magique, ni une garantie de succ\u00e8s. C&#8217;est avant tout <mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff8c7\" class=\"has-inline-color\"><strong>un outil pour estimer le capital n\u00e9cessaire afin de vivre de ses investissements<\/strong>.<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est un tr\u00e8s bon calcul pour d\u00e9terminer le taux de retrait possible qui permet de conserver un patrimoine sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette \u00e9tude universitaire nous rappelle une id\u00e9e essentielle : en investissant r\u00e9guli\u00e8rement sur le long terme, il est possible de construire un patrimoine capable de financer progressivement notre mode de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faut-il retirer 4% par ann\u00e9e une fois avoir obtenu un bon patrimoine boursier ? Pas forc\u00e9ment. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains investisseurs pr\u00e9f\u00e8rent \u00eatre plus prudents et viser 3,5% ou 3,8% par ann\u00e9e. Et d&#8217;autres comme moi, pensent que 4% de retrait annuel est d\u00e9j\u00e0 suffisamment prudent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au fond, la r\u00e8gle des 4 % ne cherche pas \u00e0 pr\u00e9dire l&#8217;avenir. Elle nous invite surtout \u00e0 r\u00e9fl\u00e9chir diff\u00e9remment :<strong> <mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffcd6\" class=\"has-inline-color\">plut\u00f4t que de travailler toute notre vie pour gagner de l&#8217;argent, pourquoi ne pas construire un patrimoine capable de travailler pour nous ?<\/mark><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_Regle_des_4_La_regle_dor_pour_lindependance_financiere\"><\/span>FAQ &#8211; R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-624c46bfb197ebc99a24946d23932c6d\"><span class=\"ez-toc-section\" id=\"La_regle_des_4_fonctionne-t-elle_vraiment\"><\/span>La r\u00e8gle des 4% fonctionne-t-elle vraiment ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e8gle des 4% repose sur des donn\u00e9es historiques et sur l\u2019\u00e9tude Trinity. Elle n\u2019est pas une garantie, mais une estimation bas\u00e9e sur les performances pass\u00e9es des march\u00e9s financiers. Les rendements futurs peuvent \u00eatre diff\u00e9rents.<\/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-96e59ac40c69f47b5f21ac97084abdf9\"><span class=\"ez-toc-section\" id=\"Pourquoi_parle-t-on_autant_de_la_regle_des_4_dans_le_mouvement_FIRE\"><\/span>Pourquoi parle-t-on autant de la r\u00e8gle des 4% dans le mouvement FIRE ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parce qu\u2019elle permet d\u2019estimer rapidement le capital n\u00e9cessaire pour atteindre l\u2019ind\u00e9pendance financi\u00e8re. C\u2019est devenu une r\u00e9f\u00e9rence populaire dans le mouvement FIRE (Financial Independence, Retire Early).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-b1cf4e98f93b105be4ccc8bd13f6bef6\"><span class=\"ez-toc-section\" id=\"Comment_calculer_mon_objectif_FIRE_avec_la_regle_des_4\"><\/span>Comment calculer mon objectif FIRE avec la r\u00e8gle des 4% ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le calcul le plus connu consiste \u00e0 multiplier ses d\u00e9penses annuelles par 25.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple :<br>25\u2019000 CHF de d\u00e9penses annuelles \u00d7 25 = 625\u2019000 CHF n\u00e9cessaires.<\/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-57e8c221111253b00bf5664b7aab92b6\"><span class=\"ez-toc-section\" id=\"Pourquoi_multiplier_ses_depenses_par_25\"><\/span>Pourquoi multiplier ses d\u00e9penses par 25 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parce qu\u2019un retrait annuel de 4% correspond math\u00e9matiquement \u00e0 1\/25 du portefeuille. Cette formule simplifie le calcul du capital cible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-6eb24c9c95cbd966ff7ae11ad9015dad\"><span class=\"ez-toc-section\" id=\"La_regle_des_4_prend-elle_en_compte_linflation\"><\/span>La r\u00e8gle des 4% prend-elle en compte l\u2019inflation ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pas directement. C\u2019est pourquoi certains investisseurs pr\u00e9f\u00e8rent utiliser un taux plus prudent, comme 3,5% \u00e0 3,8%, afin d\u2019int\u00e9grer une marge de s\u00e9curit\u00e9 suppl\u00e9mentaire.<\/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-0b56edd61021a8ab5fb1cf24ca77466f\"><span class=\"ez-toc-section\" id=\"Est-ce_quun_portefeuille_100_actions_est_obligatoire\"><\/span>Est-ce qu\u2019un portefeuille 100% actions est obligatoire ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non. Cependant, l\u2019\u00e9tude Trinity montre que les portefeuilles fortement expos\u00e9s aux actions ont historiquement obtenu de meilleurs r\u00e9sultats sur le long terme. En contrepartie, ils sont aussi plus volatils.<\/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-854417a0e7035a2868b232355a96a958\"><span class=\"ez-toc-section\" id=\"Puis-je_utiliser_la_regle_des_4_en_Suisse\"><\/span>Puis-je utiliser la r\u00e8gle des 4% en Suisse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais il faut adapter le calcul \u00e0 la fiscalit\u00e9 suisse, aux co\u00fbts de la vie, aux assurances, au 2e pilier, \u00e0 l\u2019AVS et \u00e0 ta situation personnelle.<\/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-6f076e3ec436da9d8e7a390019eb9e66\"><span class=\"ez-toc-section\" id=\"Est-ce_quun_ETF_S_P500_suffit_pour_appliquer_cette_strategie\"><\/span>Est-ce qu\u2019un ETF S&amp;P500 suffit pour appliquer cette strat\u00e9gie ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-56ca1d85abbe9b629b47f9861f643d88 wp-block-paragraph\">Oui. Il suffit d&#8217;utilsiser un ETF r\u00e9pliquant le S&amp;P500 pour suivre cette r\u00e8gle.<\/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-36189394a44a8938b03a91e70bd02ebc\"><span class=\"ez-toc-section\" id=\"Que_se_passe-t-il_si_la_bourse_chute_apres_ma_retraite\"><\/span>Que se passe-t-il si la bourse chute apr\u00e8s ma retraite ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est l\u2019un des principaux risques : une baisse importante au d\u00e9but des retraits peut affecter durablement le portefeuille. Certains investisseurs r\u00e9duisent alors temporairement leurs d\u00e9penses ou gardent une r\u00e9serve de liquidit\u00e9s.<\/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-878a0917b648c73827d8b9fd744fb2cd\"><span class=\"ez-toc-section\" id=\"4_ou_38_quel_taux_choisir\"><\/span>4% ou 3,8% : quel taux choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix d\u00e9pend surtout de ton niveau de prudence. Un taux plus faible augmente g\u00e9n\u00e9ralement les chances de pr\u00e9server son capital plus longtemps, mais demande aussi un patrimoine plus important.<\/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-120008c4e766dad1700682e32a2de3a2\"><span class=\"ez-toc-section\" id=\"La_regle_des_4_garantit-elle_de_ne_jamais_manquer_dargent\"><\/span>La r\u00e8gle des 4% garantit-elle de ne jamais manquer d\u2019argent ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non. Aucune strat\u00e9gie financi\u00e8re ne peut offrir une garantie absolue. La r\u00e8gle des 4% doit \u00eatre utilis\u00e9e comme un outil d\u2019estimation et non comme une certitude.<\/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-9b3715dfb46a11effc09134e366731ac\"><span class=\"ez-toc-section\" id=\"Regle_des_4_La_regle_dor_pour_lindependance_financiere\"><\/span>R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=1248\" 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-77b97fe5 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\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/les-5-erreurs-a-eviter-quand-on-debute-en-bourse\/\">Les 5 erreurs \u00e0 \u00e9viter quand on d\u00e9bute en bourse<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-en-bourse-le-guide-complet-pour-debutant-en-7-etapes\/\">Comment investir en bourse ? Le guide complet pour d\u00e9butant en 7 \u00e9tapes<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-inflation-influence-richesse\/\">Comment l&#8217;Inflation influence ta richesse?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-annees-atteindre-liberte-financiere-fire\/\">Combien d&#8217;ann\u00e9es pour atteindre sa libert\u00e9 financi\u00e8re FIRE?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/\">R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/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-3f93acef4b70ccc4ca10ffce460f03fd 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-5daf2f135bed92bf2dd6844d889bcc42\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<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","protected":false},"excerpt":{"rendered":"<p>The famous 4% rule so much discussed by frugalists. In this article, we will analyze why 4% withdrawal is the golden rule. <\/p>","protected":false},"author":215552267,"featured_media":29155,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":27291,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[33815964],"tags":[728545355,728542814,728542816,728545386,728542845,728542873,728544342,728544022,728544347,728544455,728544573,728545229,728545375,728545385,728545216],"class_list":["post-1248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frugalisme","tag-epargne-2","tag-bourse","tag-etf","tag-etf-sp500","tag-fire","tag-frugalisme","tag-gestion-de-patrimoine","tag-independance-financiere","tag-interets-composes","tag-investir-en-suisse","tag-investissement-passif","tag-liberte-financiere","tag-regle-des-4","tag-retraite-anticipee","tag-revenus-passifs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e8gle des 4%: La r\u00e8gle d&#039;or pour l&#039;ind\u00e9pendance financi\u00e8re - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Pourquoi tant de frugalistes parlent de la r\u00e8gle des 4%? 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