{"id":13218,"date":"2026-08-26T15:30:52","date_gmt":"2026-08-26T13:30:52","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=13218"},"modified":"2026-08-26T15:41:02","modified_gmt":"2026-08-26T13:41:02","slug":"how-to-invest-simplified-version","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/","title":{"rendered":"How to invest 1200 CHF \u2013 Simplified version"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Il n&#8217;y a pas besoin d&#8217;avoir une strat\u00e9gie compliqu\u00e9e pour bien investir. Dans cet article, voici comment investir 1200 CHF par mois avec une version simplifi\u00e9e !<\/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\/comment-investir-version-simplifiee\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Intoduction\" >Intoduction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#%E2%9A%A0%EF%B8%8F_Avant_de_lire_cet_article\" >\u26a0\ufe0f Avant de lire cet article<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Investir_avec_une_strategie_simplifiee\" >Investir avec une strat\u00e9gie simplifi\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Comment_investir_1200_CHF_par_mois\" >Comment investir 1\u2019200 CHF par mois ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#500_CHF_Pilier_3a_investi_en_actions\" >500 CHF : Pilier 3a investi en actions<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Pourquoi_investir_en_actions_dans_le_3a\" >Pourquoi investir en actions dans le 3a ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Les_performances_historiques\" >Les performances historiques ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#500_CHF_Un_ETF_mondial\" >500 CHF : Un ETF mondial<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#ETF_mondial_simplicite_avant_tout\" >ETF mondial : simplicit\u00e9 avant tout<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Les_performances_historiques-2\" >Les performances historiques ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#100_CHF_ETF_immobilier_mondial_REIT\" >100 CHF : ETF immobilier mondial (REIT)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Pourquoi_investir_dans_limmobilier\" >Pourquoi investir dans l\u2019immobilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Pourquoi_un_ETF_REIT_mondial\" >Pourquoi un ETF REIT mondial ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Pourquoi_seulement_100_CHF\" >Pourquoi seulement 100 CHF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Les_performances_historiques-3\" >Les performances historiques ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#100_CHF_ETF_obligataire_mondial_BNDW\" >100 CHF : ETF obligataire mondial BNDW<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Pourquoi_investir_dans_les_obligations\" >Pourquoi investir dans les obligations ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Pourquoi_BNDW\" >Pourquoi BNDW ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Les_performances_historiques-4\" >Les performances historiques ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Resume_de_la_strategie\" >R\u00e9sum\u00e9 de la strat\u00e9gie<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Une_strategie_simple_plutot_quune_strategie_parfaite\" >Une strat\u00e9gie simple plut\u00f4t qu&#8217;une strat\u00e9gie parfaite<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#FAQ_Comment_investir_1200_CHF_%E2%80%93_Version_simplifiee\" >FAQ : Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Pourquoi_le_rendement_annualise_de_ce_portefeuille_est-il_estime_a_10_par_an\" >Pourquoi le rendement annualis\u00e9 de ce portefeuille est-il estim\u00e9 \u00e0 ~10 % par an ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Quels_sont_les_risques_principaux_de_ce_type_de_portefeuille\" >Quels sont les risques principaux de ce type de portefeuille ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Comment_reduire_la_volatilite_dun_portefeuille_sans_sacrifier_trop_de_rendement\" >Comment r\u00e9duire la volatilit\u00e9 d\u2019un portefeuille sans sacrifier trop de rendement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Faut-il_reequilibrer_un_portefeuille_regulierement\" >Faut-il r\u00e9\u00e9quilibrer un portefeuille r\u00e9guli\u00e8rement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Quelle_est_la_fiscalite_applicable_a_ce_type_de_portefeuille_en_Suisse\" >Quelle est la fiscalit\u00e9 applicable \u00e0 ce type de portefeuille en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Comment_investir_1200_CHF_%E2%80%93_Version_simplifiee\" >Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/#Comment_investir_1200_CHF_%E2%80%93_Version_simplifiee-2\" >Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"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=\"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-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=\"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-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"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<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Intoduction\"><\/span>Intoduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s avoir \u00e9crit un exemple de strat\u00e9gie d\u2019investissement diversifi\u00e9e, j\u2019ai \u00e9galement voulu proposer une autre approche : <strong>comment investir 1\u2019200 CHF par mois avec une strat\u00e9gie beaucoup plus simple<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif de cet article n\u2019est pas de trouver l\u2019investissement qui rapportera le plus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif est plut\u00f4t de construire une strat\u00e9gie <strong>simple, automatisable et adapt\u00e9e \u00e0 un investissement \u00e0 long terme<\/strong>, en passant au maximum 5 minutes par mois comme gestion du patrimoine.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"%E2%9A%A0%EF%B8%8F_Avant_de_lire_cet_article\"><\/span>\u26a0\ufe0f Avant de lire cet article<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cet article ne constitue <strong>pas un conseil en investissement<\/strong>. Il s\u2019agit simplement d\u2019un exemple de strat\u00e9gie bas\u00e9e sur mon opinion et mes recherches.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tout investissement comporte des risques et peut entra\u00eener une perte d\u2019argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant d\u2019investir, il est \u00e9galement important d\u2019avoir une situation financi\u00e8re suffisamment solide. Personnellement, avant d&#8217;investir, je privil\u00e9gierais notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la constitution d&#8217;une r\u00e9serve d&#8217;urgence (au moins 3 mois de r\u00e9serve)<\/li>\n\n\n\n<li>le remboursement des dettes co\u00fbteuses <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Je consid\u00e9rerai un investissement r\u00e9gulier seulement apr\u00e8s ces \u00e9tapes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La strat\u00e9gie pr\u00e9sent\u00e9e ici ne convient donc pas n\u00e9cessairement \u00e0 tout le monde. Notons que les r\u00e9sultats pass\u00e9s mentionn\u00e9s dans cet article ne garantissent pas les rendements futurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Investir_avec_une_strategie_simplifiee\"><\/span>Investir avec une strat\u00e9gie simplifi\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faut-il poss\u00e9der une multitude d\u2019investissements diff\u00e9rents pour \u00eatre correctement diversifi\u00e9 ? <strong>Non.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un portefeuille peut \u00eatre simple tout en donnant acc\u00e8s \u00e0 des milliers d\u2019entreprises dans de nombreux pays.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019avantage d\u2019une strat\u00e9gie simple est \u00e9galement psychologique : <strong>moins il y a de d\u00e9cisions \u00e0 prendre, plus il est facile de conserver la m\u00eame strat\u00e9gie pendant 10, 20 ou 30 ans.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J\u2019ai donc imagin\u00e9 l\u2019exemple suivant pour une personne qui souhaite investir <strong>1\u2019200 CHF par mois<\/strong> simplement.<\/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=\"Comment_investir_1200_CHF_par_mois\"><\/span>Comment investir 1\u2019200 CHF par mois ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\">Montant<\/th><th class=\"has-text-align-center\" data-align=\"center\">Type d\u2019investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Objectif<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>500 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pilier 3a investi en actions<br>(3a global 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance + avantage fiscal<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>500 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF mondial<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>100 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF REIT Global<\/td><td class=\"has-text-align-center\" data-align=\"center\">Immobilier passif<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>100 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF obligations mondiales BNDW<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curiser le portefeuille<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Cette r\u00e9partition signifie que :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1\u2019000 CHF<\/strong>, soit environ <strong>83 %<\/strong>, sont destin\u00e9s \u00e0 la croissance \u00e0 long terme <\/li>\n\n\n\n<li><strong>100 CHF<\/strong>, soit environ <strong>8,5 %<\/strong>, sont destin\u00e9s \u00e0 de l&#8217;immobilier passif<\/li>\n\n\n\n<li><strong>100 CHF<\/strong>, soit environ <strong>8,5 %<\/strong>, sont destin\u00e9s \u00e0 la stabilisation du portefeuille via un ETF obligations BNDW<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il ne s\u2019agit \u00e9videmment que d\u2019un exemple. Chaque personne a des objectifs financiers diff\u00e9rents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-border-color has-vivid-red-border-color has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-6\" style=\"border-width:4px\"><span class=\"ez-toc-section\" id=\"500_CHF_Pilier_3a_investi_en_actions\"><\/span>500 CHF : Pilier 3a investi en actions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a95305383229&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a95305383229\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32843\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8e88973325b\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.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=\"Global investment growth presentation at sunset\" data-image-description=\"&lt;p&gt;An illustrated financial presentation unfolds on a rooftop overlooking a glowing city skyline at sunset. Four professionals gather around a large translucent digital display featuring the prominent text \u201cCOMPTE 3A GLOBAL 100,\u201d \u201c\u00c9pargne et Croissance Mondiale,\u201d financial charts, rising green bars, a yellow growth arrow, and a glowing globe. The cool blue and teal interface contrasts with warm sunset tones, creating an optimistic, futuristic mood focused on global investment and economic growth.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Financial professionals explore global savings growth through interactive market charts above a city skyline.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?resize=600%2C600&#038;ssl=1\" alt=\"COMPTE 3A GLOBAL 100, \u00c9pargne et Croissance Mondiale, and Growth. - Comment investir 1200 CHF - Version simplifi\u00e9e\" class=\"wp-image-32843\" style=\"width:298px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88973325b.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">La premi\u00e8re partie de cette strat\u00e9gie consiste \u00e0 investir <strong>500 CHF par mois dans un pilier 3a fortement expos\u00e9 aux actions mondiales<\/strong>, mais aussi une partie en Suisse (global 100).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, le pilier 3a pr\u00e9sente un int\u00e9r\u00eat particulier car il permet de b\u00e9n\u00e9ficier d\u2019un avantage fiscal sur les versements 3a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des solutions comme <strong>VIAC<\/strong><a href=\"https:\/\/viac.ch\/fr\/produits\/pilier-3a\/strategies\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> ou <strong>Finpension<\/strong><a href=\"https:\/\/finpension.ch\/fr\/investir-pilier-3a\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> permettent notamment d\u2019utiliser des strat\u00e9gies fortement expos\u00e9es aux actions mondiales via la strat\u00e9gie Global 100. C&#8217;est une strat\u00e9gie qui favorise la croissance sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, avec un ordre permanent mensuel vers\u00e9 dans un 3a global 100, il est possible de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>investir chaque mois dans des actions qui ont historiquement obtenu une bonne croissance<\/li>\n\n\n\n<li>b\u00e9n\u00e9ficier d&#8217;avantages fiscaux<\/li>\n\n\n\n<li>Ne rien g\u00e9rer par soi-m\u00eame<\/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-7\"><span class=\"ez-toc-section\" id=\"Pourquoi_investir_en_actions_dans_le_3a\"><\/span>Pourquoi investir en actions dans le 3a ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Parce que l\u2019objectif du 3a est g\u00e9n\u00e9ralement long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si l\u2019argent n\u2019est pas n\u00e9cessaire avant plusieurs d\u00e9cennies, il peut \u00eatre pertinent d\u2019accepter davantage de fluctuations en \u00e9change d\u2019un potentiel de rendement sup\u00e9rieur \u00e0 celui d\u2019un placement en liquidit\u00e9s qui rapporte tr\u00e8s peu d&#8217;argent.<\/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-8\"><span class=\"ez-toc-section\" id=\"Les_performances_historiques\"><\/span>Les performances historiques ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les march\u00e9s actions ont historiquement g\u00e9n\u00e9r\u00e9 des rendements importants sur de tr\u00e8s longues p\u00e9riodes. Mais je d\u00e9conseille fortement d\u2019utiliser une performance pass\u00e9e comme une pr\u00e9vision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au moment d&#8217;\u00e9crire cet article, le rendement annualis\u00e9 sur 10 ans est de 9% par an, mais cela ne garantit pas un rendement futur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-border-color has-vivid-red-border-color has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\" style=\"border-width:4px\"><span class=\"ez-toc-section\" id=\"500_CHF_Un_ETF_mondial\"><\/span>500 CHF : Un ETF mondial<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a95305384cb4&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a95305384cb4\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" data-attachment-id=\"32839\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8e87f2af625\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.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=\"Illustration of global ETF growth potential\" data-image-description=\"&lt;p&gt;A stylized digital illustration shows a smiling businesswoman in a navy suit pointing toward a sharply rising green investment graph. Behind her, a glowing world map, financial charts, candlestick indicators, market numbers, and exchange labels create a futuristic city-based trading environment. Prominent French text promotes a globally diversified growth ETF, with bright blue, green, orange, and white accents conveying optimism and strong performance.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;A businesswoman presents a rising global ETF performance chart against a futuristic financial backdrop.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?resize=1024%2C1024&#038;ssl=1\" alt=\"ETF \u00c0 CROISSANCE MONDIALE and CROISSANCE GLOBALE MAXIMALE. - \" class=\"wp-image-32839\" style=\"width:308px;height:auto\" title=\"Illustration of global ETF growth potential\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e87f2af625.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">La deuxi\u00e8me partie de ma strat\u00e9gie serait d\u2019investir <strong>500 CHF par mois dans un ETF mondial<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019id\u00e9e est extr\u00eamement 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>Je ne cherche pas \u00e0 savoir quel pays ou quelle entreprise sera le meilleur investissement dans 10 ans. Je poss\u00e8de une bonne partie du march\u00e9 mondial qui a tendance \u00e0 cro\u00eetre.<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF mondial permet d&#8217;investir indirectement dans un grand nombre d&#8217;entreprises et de pays au travers d&#8217;un seul produit.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">C\u2019est, selon moi, particuli\u00e8rement int\u00e9ressant pour quelqu\u2019un qui souhaite une strat\u00e9gie simple et diversifi\u00e9.<\/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-10\"><span class=\"ez-toc-section\" id=\"ETF_mondial_simplicite_avant_tout\"><\/span>ETF mondial : simplicit\u00e9 avant tout<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;un des principaux avantages d&#8217;un ETF mondial est donc sa simplicit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au lieu de choisir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un ETF am\u00e9ricain <\/li>\n\n\n\n<li>un ETF europ\u00e9en <\/li>\n\n\n\n<li>un ETF japonais <\/li>\n\n\n\n<li>un ETF \u00e9mergent <\/li>\n\n\n\n<li>un ETF suisse <\/li>\n\n\n\n<li>etc.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il est possible d\u2019utiliser <strong>un seul ETF mondial<\/strong> pour obtenir une tr\u00e8s large exposition g\u00e9ographique. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;aime particuli\u00e8rement l&#8217;ETF VT<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/vt\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> de Vanguard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, c&#8217;est une gestion enti\u00e8rement passive pour le client, car le fonds actualise la strat\u00e9gie.<\/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-11\"><span class=\"ez-toc-section\" id=\"Les_performances_historiques-2\"><\/span>Les performances historiques ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les performances pass\u00e9es ne garantissent pas le rendement futur. Au moment o\u00f9 j&#8217;\u00e9cris ces lignes, le rendement annualis\u00e9 sur 10 ans est de 12% (dividendes r\u00e9investis).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-border-color has-vivid-red-border-color has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-12\" style=\"border-width:4px\"><span class=\"ez-toc-section\" id=\"100_CHF_ETF_immobilier_mondial_REIT\"><\/span>100 CHF : ETF immobilier mondial (REIT)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a95305386bc7&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a95305386bc7\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32845\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8e88e66efb6\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.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=\"Global REIT Investment Opportunities Overview\" data-image-description=\"&lt;p&gt;A colorful illustrated business scene features a smiling woman in a navy suit holding a glowing digital map and analytics dashboard. Behind her is a global cityscape combining landmarks such as the Eiffel Tower and Empire State Building with modern skyscrapers and commercial properties. Large text reads \u201cGLOBAL REAL ESTATE REIT ETF,\u201d \u201cFPI IMMOBILIER MONDIAL,\u201d and \u201cINVESTING IN GLOBAL PROPERTIES REACHING THE WORLD.\u201d Bright blue and gold light trails encircle the globe and buildings, creating an energetic, futuristic investment theme.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;An REIT analyst presents global property investment opportunities against a skyline of iconic cities.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?resize=600%2C600&#038;ssl=1\" alt=\"REIT - Comment investir 1200 CHF - Version simplifi\u00e9e\" class=\"wp-image-32845\" style=\"width:288px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e88e66efb6.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s avoir investi 500 CHF dans mon pilier 3a Global 100 et 500 CHF dans un ETF mondial comme le Vanguard Total World Stock ETF (VT), je pense qu&#8217;il est pr\u00e9f\u00e9rable d&#8217;ajouter une petite exposition \u00e0 l\u2019immobilier passif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est pourquoi je consacrerais <strong>100 CHF par mois \u00e0 un ETF immobilier mondial bas\u00e9 sur des REIT<\/strong> (<em>Real Estate Investment Trusts<\/em>).<\/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=\"Pourquoi_investir_dans_limmobilier\"><\/span>Pourquoi investir dans l\u2019immobilier ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019immobilier constitue une classe d\u2019actifs importante dans l\u2019\u00e9conomie mondiale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque l\u2019on ach\u00e8te un appartement ou une maison pour la louer, notre rendement peut notamment provenir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>des loyers <\/li>\n\n\n\n<li>de l\u2019augmentation \u00e9ventuelle de la valeur du bien <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, l&#8217;immobilier est r\u00e9put\u00e9 pour sa valeur stable et l\u00e9g\u00e8rement croissante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, l\u2019immobilier pr\u00e9sente \u00e9galement plusieurs inconv\u00e9nients :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>il faut g\u00e9n\u00e9ralement disposer d\u2019un capital important <\/li>\n\n\n\n<li>le bien est peu liquide <\/li>\n\n\n\n<li>il faut g\u00e9rer les locataires <\/li>\n\n\n\n<li>il peut y avoir des travaux <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un ETF immobilier global, je peux obtenir une exposition \u00e0 de nombreuses soci\u00e9t\u00e9s immobili\u00e8res dans le monde, dans des secteurs immobiliers vari\u00e9s, sans devoir acheter moi-m\u00eame un appartement et avec une gestion 100% passive.<\/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-14\"><span class=\"ez-toc-section\" id=\"Pourquoi_un_ETF_REIT_mondial\"><\/span>Pourquoi un ETF REIT mondial ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les REIT sont des soci\u00e9t\u00e9s qui poss\u00e8dent ou exploitent diff\u00e9rents types de biens immobiliers et dont les revenus proviennent notamment de l\u2019immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF REIT mondial permet donc de r\u00e9partir mon investissement entre de nombreux march\u00e9s et diff\u00e9rents types d\u2019immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>immobilier r\u00e9sidentiel <\/li>\n\n\n\n<li>centres commerciaux <\/li>\n\n\n\n<li>bureaux <\/li>\n\n\n\n<li>immobilier industriel <\/li>\n\n\n\n<li>h\u00f4tels <\/li>\n\n\n\n<li>data centers<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec seulement <strong>100 CHF par mois<\/strong>, je peux ainsi ajouter une exposition immobili\u00e8re diversifi\u00e9e \u00e0 mon portefeuille sans devoir acheter directement un bien immobilier. Et en recevant les loyers via les dividendes chaque 3 mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme ETF REIT Global, j&#8217;appr\u00e9cie particuli\u00e8rement l&#8217;ETF REET<a href=\"https:\/\/www.ishares.com\/us\/products\/268752\/ishares-global-reit-etf\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> d&#8217;iShares.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En plus, toute cette gestion est passive. C&#8217;est-\u00e0-dire, l&#8217;actionnaire d&#8217;une action REIT ne s&#8217;occupe de rien.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"Pourquoi_seulement_100_CHF\"><\/span>Pourquoi seulement 100 CHF ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je ne souhaite pas consacrer une part trop importante de mon portefeuille aux REIT.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mon objectif principal reste la croissance sur le long terme. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>100 CHF par mois<\/strong> investis avec un ETF TEIT Global offrent une petite diversification et une stabilit\u00e9 des revenus via les dividendes \u00e9lev\u00e9s, mais je veux que mon portefeuille reste principalement ax\u00e9 sur les actions \u00e0 croissance.<\/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-16\"><span class=\"ez-toc-section\" id=\"Les_performances_historiques-3\"><\/span>Les performances historiques ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">je r\u00e9p\u00e8te que les performances pass\u00e9es ne garantissent pas le rendement futur. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au moment de l&#8217;\u00e9criture de cet article, le rendement annualis\u00e9 sur 10 ans est de 4% annualis\u00e9. Donc environ 3,5% par ann\u00e9e en moyenne en dividendes. <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-border-color has-vivid-red-border-color has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-17\" style=\"border-width:4px\"><span class=\"ez-toc-section\" id=\"100_CHF_ETF_obligataire_mondial_BNDW\"><\/span>100 CHF : ETF obligataire mondial BNDW<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a95305389748&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a95305389748\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32848\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8e898394564\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.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=\"BNDW ETF mondial, stabilit\u00e9 et diversification\" data-image-description=\"&lt;p&gt;Infographie en fran\u00e7ais consacr\u00e9e au BNDW, un ETF obligataire mondial. \u00c0 gauche, une jeune femme tient un embl\u00e8me BNDW dans un paysage urbain avec un pont; \u00e0 droite, une carte du monde relie plusieurs r\u00e9gions par des lignes lumineuses et des devises. Des \u00e9tiquettes indiquent les obligations d\u2019\u00c9tat, les obligations d\u2019entreprise et la couverture globale, avec le logo Vanguard en bas \u00e0 droite.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie pr\u00e9sente le r\u00f4le de l\u2019ETF obligataire mondial BNDW dans la diversification entre obligations d\u2019\u00c9tat et d\u2019entreprise.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?resize=600%2C600&#038;ssl=1\" alt=\"Infographie \u00ab BNDW: ETF obligataire mondial \u2014 Comment investir 1200 CHF - Version simplifi\u00e9e\" class=\"wp-image-32848\" style=\"width:364px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e898394564.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les 100 CHF suivants, je souhaite investir dans une classe d\u2019actifs compl\u00e8tement diff\u00e9rente des actions : <strong>les obligations<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est pourquoi j\u2019ai choisi comme exemple le <strong>Vanguard Total World Bond ETF (BNDW<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/bndw\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>)<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif est tr\u00e8s 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>Apr\u00e8s avoir investi principalement en actions et immobilier, je souhaite ajouter une partie de mon portefeuille compos\u00e9e d\u2019obligations mondiales afin de le stabiliser<\/em>.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Pourquoi_investir_dans_les_obligations\"><\/span>Pourquoi investir dans les obligations ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une obligation correspond, dans les grandes lignes, \u00e0 un pr\u00eat accord\u00e9 \u00e0 un \u00c9tat, une entreprise ou une autre institution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En contrepartie, l\u2019investisseur re\u00e7oit g\u00e9n\u00e9ralement des int\u00e9r\u00eats et r\u00e9cup\u00e8re le capital \u00e0 l\u2019\u00e9ch\u00e9ance, sous r\u00e9serve des risques li\u00e9s \u00e0 l\u2019\u00e9metteur et au placement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les obligations ont donc un fonctionnement diff\u00e9rent de celui des actions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec mes 500 CHF investis dans mon 3a Global 100 et mes 500 CHF investis dans mon ETF Global VT, mon portefeuille est fortement expos\u00e9 aux actions, \u00e0 la croissance et \u00e0 la fluctuation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>100 CHF investis dans BNDW<\/strong> permettent donc d\u2019ajouter une autre source de rendement mensuel, plus stable et diff\u00e9rent de l&#8217;immobilier et des actions.<\/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-19\"><span class=\"ez-toc-section\" id=\"Pourquoi_BNDW\"><\/span>Pourquoi BNDW ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">BNDW est un ETF qui permet d&#8217;obtenir une exposition \u00e0 un tr\u00e8s grand nombre d\u2019obligations dans diff\u00e9rentes r\u00e9gions du monde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019int\u00e9r\u00eat est donc similaire \u00e0 celui de mon ETF mondial en actions : <strong>je ne cherche pas \u00e0 d\u00e9terminer quel pays ou quelle obligation sera la meilleure. Je poss\u00e8de une bonne partie du march\u00e9 des obligations.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, un ETF BNDW est historiquement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stable<\/li>\n\n\n\n<li>diversifi\u00e9 en obligations<\/li>\n\n\n\n<li>tr\u00e8s peu volatile<\/li>\n\n\n\n<li>distribue des dividendes (coupons) chaque mois<\/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-20\"><span class=\"ez-toc-section\" id=\"Les_performances_historiques-4\"><\/span>Les performances historiques ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les performances pass\u00e9es ne garantissent pas le rendement futur. Au moment o\u00f9 j&#8217;\u00e9cris ces lignes, le rendement annualis\u00e9 sur 10 ans est de 0%. Mais avec une moyenne de dividendes de 2,5% par ann\u00e9e.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-border-color has-vivid-cyan-blue-border-color has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-21\" style=\"border-width:4px\"><span class=\"ez-toc-section\" id=\"Resume_de_la_strategie\"><\/span>R\u00e9sum\u00e9 de la strat\u00e9gie <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a9530538b77e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a9530538b77e\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"937\" data-attachment-id=\"32852\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/global-markets-explained-through-visual-finance\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?fit=1024%2C937&amp;ssl=1\" data-orig-size=\"1024,937\" 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=\"Global markets explained through visual finance\" data-image-description=\"&lt;p&gt;An anime-style business presenter with blue hair, a green suit, and a tablet stands in a bright futuristic financial trading hall. Three glowing panels surround her: a central real-estate panel labeled \u201cREIT MONDIAL,\u201d a stock-market panel labeled \u201cACTIONS MONDIALES,\u201d and a bond-market panel labeled \u201cOBLIGATIONS MONDIALES.\u201d Stock charts, currency symbols, skyscrapers, a world map, and bond certificates fill the displays, while traders work at computer terminals in the background beneath a glass-domed ceiling.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;A financial presenter introduces global real estate, stock, and bond markets in a futuristic trading hall.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?fit=600%2C549&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?resize=1024%2C937&#038;ssl=1\" alt=\"Anime-style presenter beneath REIT MONDIAL, ACTIONS MONDIALES, and OBLIGATIONS MONDIALES panels - Comment investir 1200 CHF - Version simplifi\u00e9e\" class=\"wp-image-32852\" style=\"width:348px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?resize=300%2C275&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?resize=600%2C549&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?resize=768%2C703&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e89f13cba8-edited.png?resize=13%2C12&amp;ssl=1 13w\" 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\">Avec seulement quatre placements, j\u2019obtiens plusieurs sources d\u2019exposition :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\">Montant<\/th><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><td class=\"has-text-align-center\" data-align=\"center\">Cat\u00e9gorie de placement<\/td><th class=\"has-text-align-center\" data-align=\"center\">Exposition principale<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>500 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3a Global 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">actions diversifi\u00e9es mondialement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance + D\u00e9ductions des imp\u00f4ts <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>500 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF Global VT<\/td><td class=\"has-text-align-center\" data-align=\"center\">actions diversifi\u00e9es mondialement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>100 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF REIT mondial<\/td><td class=\"has-text-align-center\" data-align=\"center\">immobilier diversifi\u00e9 mondialement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Immobilier cot\u00e9, revenus trimestriels<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>100 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">BNDW<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00eats diversifi\u00e9s mondialement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Obligations , revenus mensuels<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Mon portefeuille reste donc extr\u00eamement simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je n\u2019ai pas besoin de s\u00e9lectionner :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>des milliers d\u2019actions individuelles <\/li>\n\n\n\n<li>des centaines de biens immobiliers <\/li>\n\n\n\n<li>des obligations une par une <\/li>\n\n\n\n<li>ou des dizaines d\u2019ETF<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Je peux simplement automatiser mes versements chaque mois et les quatre ETF font le travail.<\/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-22\"><span class=\"ez-toc-section\" id=\"Une_strategie_simple_plutot_quune_strategie_parfaite\"><\/span>Une strat\u00e9gie simple plut\u00f4t qu&#8217;une strat\u00e9gie parfaite<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">John Bogle, le fondateur de Vanguard et un personne respect\u00e9 dans la finance, a d\u00e9clar\u00e9 :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em><strong>&#8221;Le principal ennemi d\u2019un bon plan est le r\u00eave d\u2019un plan parfait.&nbsp;Contentez-vous du bon plan<\/strong>&#8221;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Je suis d&#8217;accord.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je ne cherche pas \u00e0 construire le portefeuille parfait. En r\u00e9alit\u00e9, je cherche plut\u00f4t \u00e0 <strong>construire un portefeuille simple et suffisamment diversifi\u00e9 afin qu&#8217;il cro\u00eet sur le long terme.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;ai calcul\u00e9 ce portefeuille pour la p\u00e9riode 2015-2025, voici le rendement annualis\u00e9 pass\u00e9 (estimation croissance + dividendes r\u00e9investis):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3a global 100 Viac = environ 7,5%<\/li>\n\n\n\n<li>ETF VT global = environ 12%<\/li>\n\n\n\n<li>ETF REET (REIT Global) = environ 4%<\/li>\n\n\n\n<li>ETF BNDW (Obligations mondiales) = environ 2,5%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce portefeuille a obtenu environ <strong>10% annualis\u00e9 en 10 ans<\/strong> (2015-2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour donner un exemple simple, si quelqu&#8217;un avait investi 50&#8217;000 CHF il y a 10 ans et ajout\u00e9 1&#8217;200 CHF par mois, cela aurait donn\u00e9 &#8230; 371&#8217;617 CHF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce portefeuille n&#8217;est pas le meilleur portefeuille du monde, mais il est tr\u00e8s diversifi\u00e9 et il a \u00e9t\u00e9 plus rentable que la plupart des investisseurs que je connais. Et il ne demande que 5 minutes par mois comme temps de gestion\ud83d\ude09<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Comment_investir_1200_CHF_%E2%80%93_Version_simplifiee\"><\/span><strong>FAQ : Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_rendement_annualise_de_ce_portefeuille_est-il_estime_a_10_par_an\"><\/span>Pourquoi le rendement annualis\u00e9 de ce portefeuille est-il estim\u00e9 \u00e0 ~10 % par an ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce portefeuille combine des <strong>actions mondiales<\/strong>, de l\u2019<strong>immobilier<\/strong> et des <strong>obligations<\/strong>. La pond\u00e9ration de ces actifs, bas\u00e9e sur leurs performances historiques, permet d\u2019estimer un rendement annualis\u00e9 moyen d\u2019environ <strong>10 % par an<\/strong> sur la p\u00e9riode analys\u00e9e. Mais ce rendement n&#8217;est pas une garantie pour le futur.<\/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-24\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_risques_principaux_de_ce_type_de_portefeuille\"><\/span>Quels sont les risques principaux de ce type de portefeuille ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un portefeuille majoritairement compos\u00e9 d\u2019<strong>actions<\/strong> est sensible aux <strong>fluctuations des march\u00e9s<\/strong>. Les <strong>obligations<\/strong> et l\u2019<strong>immobilier<\/strong> peuvent \u00e9galement \u00eatre affect\u00e9s par les <strong>variations des taux d\u2019int\u00e9r\u00eat<\/strong>. Une concentration sur les march\u00e9s d\u00e9velopp\u00e9s peut limiter la diversification g\u00e9ographique.<\/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-25\"><span class=\"ez-toc-section\" id=\"Comment_reduire_la_volatilite_dun_portefeuille_sans_sacrifier_trop_de_rendement\"><\/span>Comment r\u00e9duire la volatilit\u00e9 d\u2019un portefeuille sans sacrifier trop de rendement ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9duire la volatilit\u00e9, il est possible d\u2019<strong>augmenter la part des obligations<\/strong> ou d\u2019ajouter des <strong>actifs moins volatils<\/strong> comme l\u2019or ou des liquidit\u00e9s. Une r\u00e9partition plus \u00e9quilibr\u00e9e peut stabiliser le portefeuille, mais le rendement peut \u00eatre affect\u00e9 par ce \u00e9quilibrage.<\/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=\"Faut-il_reequilibrer_un_portefeuille_regulierement\"><\/span>Faut-il r\u00e9\u00e9quilibrer un portefeuille r\u00e9guli\u00e8rement ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois par semestre suffit. Il est recommand\u00e9 de <strong>r\u00e9\u00e9quilibrer un portefeuille au moins une fois par an<\/strong>. Cela permet de maintenir la r\u00e9partition initiale et de limiter les risques li\u00e9s \u00e0 une surpond\u00e9ration d\u2019un actif.<\/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-27\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_fiscalite_applicable_a_ce_type_de_portefeuille_en_Suisse\"><\/span>Quelle est la fiscalit\u00e9 applicable \u00e0 ce type de portefeuille en Suisse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, <strong>les dividendes et les plus-values sont imposables<\/strong>, mais les r\u00e8gles varient selon les cantons. Les <strong>comptes de pr\u00e9voyance (3a)<\/strong> b\u00e9n\u00e9ficient d\u2019avantages fiscaux, car les gains ne sont pas impos\u00e9s tant que les fonds ne sont pas retir\u00e9s. Pour une optimisation fiscale, il est conseill\u00e9 de consulter un expert.<\/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-28\"><span class=\"ez-toc-section\" id=\"Comment_investir_1200_CHF_%E2%80%93_Version_simplifiee\"><\/span>Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<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=13218\" 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\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/\">Comment investir avec un petit budget?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/reit-investir-dans-immobilier-passif\/\">REIT: investir dans l&#8217;immobilier passif<\/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-29 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-30\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Quel est l&#8217;objectif de ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Le but est de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"Comment_investir_1200_CHF_%E2%80%93_Version_simplifiee-2\"><\/span>Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-32 wp-block-paragraph\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to invest 1200 CHF per month with a diversified version and with good results in the past? Here is a summary in 5 minutes.<\/p>","protected":false},"author":215552267,"featured_media":32807,"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":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Comment investir 1200 CHF par mois avec une version simplifi\u00e9e et avec des bons r\u00e9sultats dans le pass\u00e9e? Voici un r\u00e9sum\u00e9 en 5 minutes.","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728546101,728546108,728546103,728544944,728546106,728545188,728546105,728546109,728545819,728545972,728546112,728546113,728546102,728546111,728546110],"class_list":["post-13218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-3a-global-100-chf","tag-allocation-3a-global","tag-bndw-100-chf","tag-diversification-etf","tag-etf-bndw-obligations","tag-etf-reit-global","tag-etf-vt-global","tag-investissement-long-terme-suisse","tag-investissement-passif-suisse","tag-optimisation-fiscale-3a","tag-placement-mensuel-1200-chf","tag-reit-global-100-chf","tag-strategie-dinvestissement-simple","tag-strategie-etf-500-chf","tag-vt-global-500-chf"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment investir 1200 CHF - Version simplifi\u00e9e - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Comment investir 1200 CHF par mois avec une version simplifi\u00e9e et avec des bons r\u00e9sultats dans le pass\u00e9e? Voici un r\u00e9sum\u00e9 en 5 minutes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minimalistefrugaliste.com\/en\/how-to-invest-simplified-version\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment investir 1200 CHF - Version simplifi\u00e9e - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"Comment investir 1200 CHF par mois avec une version simplifi\u00e9e et avec des bons r\u00e9sultats dans le pass\u00e9e? Voici un r\u00e9sum\u00e9 en 5 minutes.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minimalistefrugaliste.com\/en\/how-to-invest-simplified-version\/\" \/>\n<meta property=\"og:site_name\" content=\"Minimaliste et Frugaliste\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-26T13:30:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-26T13:41:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e6d5c95008.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Minimaliste et Frugaliste\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/MinimalFrugal\" \/>\n<meta name=\"twitter:site\" content=\"@MinimalFrugal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Minimaliste et Frugaliste\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/\"},\"author\":{\"name\":\"Minimaliste et Frugaliste\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"headline\":\"Comment investir 1200 CHF &#8211; Version simplifi\u00e9e\",\"datePublished\":\"2026-08-26T13:30:52+00:00\",\"dateModified\":\"2026-08-26T13:41:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/\"},\"wordCount\":2637,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1\",\"keywords\":[\"3a global 100 CHF\",\"allocation 3a global\",\"BNDW 100 CHF\",\"diversification etf\",\"ETF BNDW obligations\",\"etf reit global\",\"ETF VT Global\",\"investissement long terme Suisse\",\"investissement passif Suisse\",\"optimisation fiscale 3a\",\"placement mensuel 1200 CHF\",\"REIT Global 100 CHF\",\"strat\u00e9gie d\u2019investissement simple\",\"strat\u00e9gie ETF 500 CHF\",\"VT Global 500 CHF\"],\"articleSection\":[\"Investissement\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/\",\"name\":\"Comment investir 1200 CHF - Version simplifi\u00e9e - Minimaliste et Frugaliste\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1\",\"datePublished\":\"2026-08-26T13:30:52+00:00\",\"dateModified\":\"2026-08-26T13:41:02+00:00\",\"description\":\"Comment investir 1200 CHF par mois avec une version simplifi\u00e9e et avec des bons r\u00e9sultats dans le pass\u00e9e? Voici un r\u00e9sum\u00e9 en 5 minutes.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1\",\"width\":1024,\"height\":1024,\"caption\":\"The infographic breaks down 1,200 CHF across growth investments, real estate, and bonds.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/comment-investir-version-simplifiee\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comment investir 1200 CHF &#8211; Version simplifi\u00e9e\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\",\"name\":\"Minimaliste et Frugaliste\",\"description\":\"L&#039;essentiel, la simplicit\u00e9 et la libert\u00e9 financi\u00e8re\",\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\",\"name\":\"Minimaliste et Frugaliste\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"width\":458,\"height\":410,\"caption\":\"Minimaliste et Frugaliste\"},\"logo\":{\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\"},\"description\":\"Toujours \u00e0 la recherche du plus simple possible et du moins cher possible. Afin d'\u00eatre le plus libre, le plus riche et le plus heureux possible. J'ai cr\u00e9\u00e9 ce blog avec le but d'aider d'autres personnes qui partagent ma philosophie. Simplicit\u00e9, l'essentiel et la libert\u00e9 financi\u00e8re.\",\"sameAs\":[\"http:\\\/\\\/minimalistefrugaliste.com\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/twitter.com\\\/MinimalFrugal\",\"https:\\\/\\\/www.youtube.com\\\/@minimalistefrugaliste\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to invest 1200 CHF - Simplified version - Minimalist and Frugalist","description":"How to invest 1200 CHF per month with a simplified version and with good results in the past? Here is a summary in 5 minutes.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/minimalistefrugaliste.com\/en\/how-to-invest-simplified-version\/","og_locale":"en_GB","og_type":"article","og_title":"Comment investir 1200 CHF - Version simplifi\u00e9e - Minimaliste et Frugaliste","og_description":"Comment investir 1200 CHF par mois avec une version simplifi\u00e9e et avec des bons r\u00e9sultats dans le pass\u00e9e? Voici un r\u00e9sum\u00e9 en 5 minutes.","og_url":"https:\/\/minimalistefrugaliste.com\/en\/how-to-invest-simplified-version\/","og_site_name":"Minimaliste et Frugaliste","article_published_time":"2026-08-26T13:30:52+00:00","article_modified_time":"2026-08-26T13:41:02+00:00","og_image":[{"width":1024,"height":1024,"url":"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e6d5c95008.png","type":"image\/png"}],"author":"Minimaliste et Frugaliste","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/MinimalFrugal","twitter_site":"@MinimalFrugal","twitter_misc":{"Written by":"Minimaliste et Frugaliste","Estimated reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#article","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/"},"author":{"name":"Minimaliste et Frugaliste","@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"headline":"Comment investir 1200 CHF &#8211; Version simplifi\u00e9e","datePublished":"2026-08-26T13:30:52+00:00","dateModified":"2026-08-26T13:41:02+00:00","mainEntityOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/"},"wordCount":2637,"commentCount":0,"publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1","keywords":["3a global 100 CHF","allocation 3a global","BNDW 100 CHF","diversification etf","ETF BNDW obligations","etf reit global","ETF VT Global","investissement long terme Suisse","investissement passif Suisse","optimisation fiscale 3a","placement mensuel 1200 CHF","REIT Global 100 CHF","strat\u00e9gie d\u2019investissement simple","strat\u00e9gie ETF 500 CHF","VT Global 500 CHF"],"articleSection":["Investissement"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/","url":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/","name":"How to invest 1200 CHF - Simplified version - Minimalist and Frugalist","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#primaryimage"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1","datePublished":"2026-08-26T13:30:52+00:00","dateModified":"2026-08-26T13:41:02+00:00","description":"How to invest 1200 CHF per month with a simplified version and with good results in the past? Here is a summary in 5 minutes.","breadcrumb":{"@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#primaryimage","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1","width":1024,"height":1024,"caption":"The infographic breaks down 1,200 CHF across growth investments, real estate, and bonds."},{"@type":"BreadcrumbList","@id":"https:\/\/minimalistefrugaliste.com\/comment-investir-version-simplifiee\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/minimalistefrugaliste.com\/"},{"@type":"ListItem","position":2,"name":"Comment investir 1200 CHF &#8211; Version simplifi\u00e9e"}]},{"@type":"WebSite","@id":"https:\/\/minimalistefrugaliste.com\/#website","url":"https:\/\/minimalistefrugaliste.com\/","name":"Minimalism and Frugalism","description":"Essentials, simplicity and financial freedom","publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/minimalistefrugaliste.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":["Person","Organization"],"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa","name":"Minimalism and Frugalism","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","width":458,"height":410,"caption":"Minimaliste et Frugaliste"},"logo":{"@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1"},"description":"Always looking for the simplest possible and cheapest possible. In order to be as free, rich and happy as possible. I created this blog with the goal of helping other people who share my philosophy. Simplicity, the essentials and financial freedom.","sameAs":["http:\/\/minimalistefrugaliste.com","https:\/\/x.com\/https:\/\/twitter.com\/MinimalFrugal","https:\/\/www.youtube.com\/@minimalistefrugaliste"]}]}},"jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdCI1c-3rc","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8e6d5c95008.png?fit=1024%2C1024&ssl=1","_links":{"self":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/13218","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/users\/215552267"}],"replies":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/comments?post=13218"}],"version-history":[{"count":90,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/13218\/revisions"}],"predecessor-version":[{"id":32864,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/13218\/revisions\/32864"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media\/32807"}],"wp:attachment":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media?parent=13218"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/categories?post=13218"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/tags?post=13218"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}