{"id":1464,"date":"2026-08-19T08:34:24","date_gmt":"2026-08-19T06:34:24","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=1464"},"modified":"2026-08-19T08:40:31","modified_gmt":"2026-08-19T06:40:31","slug":"investing-robo-advisor-advantages-and-disadvantages","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/","title":{"rendered":"Investing in a Robo-advisor: Advantages and Disadvantages"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>Dans cet article, Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients, on va analyser l&#8217;ensemble des prestations d&#8217;un robo-advisor. Et comprendre s&#8217;il te correspond \ud83d\ude09<\/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\/investir-robo-advisor-avantages-et-inconvenients\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Quest-ce_quun_Robo-Advisor\" >Qu\u2019est-ce qu\u2019un Robo-Advisor ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Fonctionnement_simplifie\" >Fonctionnement simplifi\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Exemple\" >Exemple<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Faut-il_investir_via_un_Robo-Advisor\" >Faut-il investir via un Robo-Advisor ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#%E2%9C%85_Les_Avantages\" >\u2705 Les Avantages<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#%E2%9D%8C_Les_Inconvenients\" >\u274c Les Inconv\u00e9nients<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Pourquoi_les_frais_sont-ils_si_importants\" >Pourquoi les frais sont-ils si importants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Combien_coute_un_robo-advisor_en_moyenne\" >Combien co\u00fbte un robo-advisor en moyenne ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Exemple_Concret_100_000_CHF_Investis_sur_20_Ans\" >Exemple Concret : 100 000 CHF Investis sur 20 Ans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Hypotheses\" >Hypoth\u00e8ses :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Resultats_apres_20_ans\" >R\u00e9sultats apr\u00e8s 20 ans :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Pourquoi_une_telle_difference\" >Pourquoi une telle diff\u00e9rence ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Le_cout_des_couts_caches\" >Le co\u00fbt des co\u00fbts cach\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Comparatif_des_Frais_Robo-Advisors_vs_Gestionnaires_vs_Comptes_Boursiers\" >Comparatif des Frais : Robo-Advisors vs. Gestionnaires vs. Comptes Boursiers<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Conclusion_Robo-Advisor_ou_Compte_Boursier\" >Conclusion : Robo-Advisor ou Compte Boursier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#%E2%9C%85_Choisis_un_Robo-Advisor_si\" >\u2705 Choisis un Robo-Advisor si :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#%E2%9D%8C_Prefere_un_Compte_Boursier_si\" >\u274c Pr\u00e9f\u00e8re un Compte Boursier si :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Mon_avis\" >Mon avis<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#FAQ_Investir_dans_un_Robo-advisor_Avantages_et_Inconvenients\" >FAQ : Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Quest-ce_quun_robo-advisor_et_en_quoi_differe-t-il_dun_compte_boursier_classique\" >Qu\u2019est-ce qu\u2019un robo-advisor et en quoi diff\u00e8re-t-il d\u2019un compte boursier classique ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Combien_coutent_les_frais_dun_robo-advisor_en_Suisse_et_pourquoi_sont-ils_si_importants\" >Combien co\u00fbtent les frais d\u2019un robo-advisor en Suisse, et pourquoi sont-ils si importants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Est-ce_quun_robo-advisor_est_plus_avantageux_fiscalement_quun_compte_boursier_en_Suisse\" >Est-ce qu\u2019un robo-advisor est plus avantageux fiscalement qu\u2019un compte boursier en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Puis-je_investir_dans_des_ETF_americains_avec_un_robo-advisor_suisse\" >Puis-je investir dans des ETF am\u00e9ricains avec un robo-advisor suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Quel_est_le_meilleur_choix_entre_un_robo-advisor_et_un_compte_boursier_pour_un_investisseur_passif_en_Suisse\" >Quel est le meilleur choix entre un robo-advisor et un compte boursier pour un investisseur passif en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-robo-advisor-avantages-et-inconvenients\/#Investir_dans_un_Robo-advisor_Avantages_et_Inconvenients\" >Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients<\/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=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background has-link-color wp-elements-1\" style=\"border-width:3px;background-color:#0e0036\"><strong>\u26a0\ufe0f Cet article est juste une opinion personnelle. Pas un conseil d&#8217;investissement. Investir comporte un risque de perte d&#8217;argent.<\/strong> Les performances pass\u00e9es ne pr\u00e9jugent pas les performances futures \ud83d\udd3a<\/h6>\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-2\"><span class=\"ez-toc-section\" id=\"Quest-ce_quun_Robo-Advisor\"><\/span><strong>Qu\u2019est-ce qu\u2019un Robo-Advisor ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>robo-advisor<\/strong> (ou &#8220;conseiller robotis\u00e9&#8221;) est une plateforme num\u00e9rique qui g\u00e8re automatiquement ton portefeuille boursier en fonction de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ton profil de risque<\/strong> (prudent, \u00e9quilibr\u00e9, dynamique, etc.).<\/li>\n\n\n\n<li><strong>Tes objectifs financiers<\/strong> (retraite, croissance, revenus passifs, etc.).<\/li>\n\n\n\n<li><strong>Une diversification pr\u00e9d\u00e9finie<\/strong> (ETF, actions, obligations, etc.).<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96deb752951&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96deb752951\" 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=\"32125\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8547793951d\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.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=\"Visual Guide to Automated Investing Concepts\" data-image-description=\"&lt;p&gt;A colorful anime-style illustration shows a young woman sitting in a cozy room beside a friendly blue robot displaying a glowing investment portfolio dashboard. The dashboard includes a pie chart, bar chart, financial icons, and categories for equities, bonds, real estate, and international investments. Through the windows, a neon city glows beneath a purple rainy sky, while plants, books, a cat-shaped lamp, coffee, and a laptop create a warm home-office setting.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;A cheerful investor explores a robo-advisor portfolio in a colorful futuristic room.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.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-6a8547793951d.png?resize=600%2C600&#038;ssl=1\" alt=\"ROBO-ADVISOR INVESTING, \u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u6295\u8cc7; woman and robot reviewing an Investment - Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients\" class=\"wp-image-32125\" style=\"width:236px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8547793951d.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Fonctionnement_simplifie\"><\/span><strong>Fonctionnement simplifi\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Comment fonctionne un robo-advisor?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Tu <strong>alimentes ton compte<\/strong> en liquidit\u00e9s.<\/li>\n\n\n\n<li>Tu <strong>choisis ton profil<\/strong> (ex. : &#8220;croissance mod\u00e9r\u00e9e&#8221;).<\/li>\n\n\n\n<li>Le robo-advisor <strong>investit pour toi<\/strong> selon une strat\u00e9gie automatis\u00e9e.<\/li>\n\n\n\n<li>Il <strong>pr\u00e9l\u00e8ve des frais<\/strong> (g\u00e9n\u00e9ralement un % annuel sur ton portefeuille), peu importe<strong> les performances<\/strong> (positives ou n\u00e9gatives).<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est en r\u00e9alit\u00e9 tr\u00e8s simple !<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Exemple\"><\/span><strong>Exemple<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu verses 10 000 CHF sur Finpension Invest avec un profil &#8220;global&#8221;, la plateforme r\u00e9partira ton argent dans des ETF ou fonds indiciels suisses et internationaux, puis ajustera automatiquement la r\u00e9partition en fonction des march\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_via_un_Robo-Advisor\"><\/span><strong>Faut-il investir via un Robo-Advisor ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il y a des avantages et inconv\u00e9nients :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_Les_Avantages\"><\/span><strong>\u2705 Les Avantages<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Atout<\/th><th class=\"has-text-align-center\" data-align=\"center\">Explication<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Simplicit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Pas besoin de suivre les march\u00e9s : tout est g\u00e9r\u00e9 pour toi. Id\u00e9al pour les d\u00e9butants ou ceux qui veulent une approche &#8220;<em>sans prise de t\u00eate<\/em>&#8220;.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Diversification automatique<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Les robo-advisors utilisent des strat\u00e9gies <strong>pr\u00e9dfinies et test\u00e9es<\/strong> (ex. : 60% actions \/ 40% obligations), avec un historique de rendement transparent.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Acc\u00e8s \u00e0 des strat\u00e9gies professionnelles<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">M\u00eame avec un petit capital, tu b\u00e9n\u00e9ficies d\u2019une gestion inspir\u00e9e des grands gestionnaires de fortune.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais r\u00e9duits vs. gestion humaine<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Les frais moyens d\u2019un robo-advisor (0.47% \u00e0 0.75%) sont <strong>2 \u00e0 4 fois moins \u00e9lev\u00e9s<\/strong> que ceux d\u2019un gestionnaire de fortune traditionnel (1% \u00e0 2%).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Les_Inconvenients\"><\/span><strong>\u274c Les Inconv\u00e9nients<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Limite<\/th><th class=\"has-text-align-center\" data-align=\"center\">Explication<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais cach\u00e9s<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Certains robo-advisors omettent des co\u00fbts cach\u00e9s, qui diminuent le rendement du client.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais totaux<\/td><td class=\"has-text-align-center\" data-align=\"center\">Les frais sont g\u00e9n\u00e9ralement plut\u00f4t \u00e9lev\u00e9s, bien que quelques robo-advisors ont des frais raisonnables.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><\/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-7\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_frais_sont-ils_si_importants\"><\/span><strong> Pourquoi les frais sont-ils si importants ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quand tu investis, en v\u00e9rit\u00e9, <strong>chaque franc de frais en moins en commission = plus d\u2019argent qui travaille pour toi<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, un robo-advisor pr\u00e9l\u00e8ve g\u00e9n\u00e9ralement <strong>un pourcentage annuel<\/strong> sur ton portefeuille, sur le long terme, ces frais <strong>s\u2019additionnent et r\u00e9duisent consid\u00e9rablement tes gains<\/strong>.<\/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\">\ud83d\udca1 <strong>Exemple<\/strong> : Une diff\u00e9rence de <strong>0.5% de frais par an<\/strong> peut te co\u00fbter <strong>des dizaines de milliers de francs<\/strong> sur 20 ans.<\/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-8\"><span class=\"ez-toc-section\" id=\"Combien_coute_un_robo-advisor_en_moyenne\"><\/span><strong>Combien co\u00fbte un robo-advisor en moyenne ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, les frais des robo-advisors varient g\u00e9n\u00e9ralement entre <strong>0.40% et 0.70% par an<\/strong> (sans comptabiliser la TER ).<br>Voici une comparaison des principaux acteurs en 2026 :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Robo-Advisor<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais de gestion<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Finpension Invest<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.39%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Selma<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.50%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Swissquote<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.69%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Clevercircles<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Je rappelle que les frais TER ne sont pas inclus.<\/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-9\"><span class=\"ez-toc-section\" id=\"Exemple_Concret_100_000_CHF_Investis_sur_20_Ans\"><\/span><strong>Exemple Concret : 100 000 CHF Investis sur 20 Ans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un sc\u00e9nario r\u00e9aliste pour illustrer l\u2019impact des frais sur ton portefeuille.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hypotheses\"><\/span><strong>Hypoth\u00e8ses :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Capital initial<\/strong> : 100 000 CHF.<\/li>\n\n\n\n<li><strong>Versement annuel<\/strong> : 0 CHF (on ne rajoute pas d\u2019argent, pour simplifier).<\/li>\n\n\n\n<li><strong>Rendement annuel moyen<\/strong> : <strong>5%<\/strong> (hypoth\u00e8se r\u00e9aliste pour un portefeuille diversifi\u00e9 en ETF).<\/li>\n\n\n\n<li><strong>Frais annuels<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Robo-Advisor (Finpension Invest)<\/strong> : 0.39%.<\/li>\n\n\n\n<li><strong>Compte boursier (Interactive Brokers)<\/strong> : 0.25% (frais de transaction).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons que les deux strat\u00e9gies ont une TER annuelle de 0.08%. Cela donne au final :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finpension Invest : 0,47%<\/li>\n\n\n\n<li>Interactive Brokers : 0,33%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Resultats_apres_20_ans\"><\/span><strong>R\u00e9sultats apr\u00e8s 20 ans :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Impact des frais sur 20 ans (100 000 CHF initiaux)<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Option<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais annuels<\/th><th class=\"has-text-align-center\" data-align=\"center\">Valeur finale (apr\u00e8s frais)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais totaux pay\u00e9s<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Sans aucun frais<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>265 330 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Compte boursier (IB)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.33%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>252 000 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~46 000 CHF<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Robo-Advisor<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.47%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>232 000 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~66 000 CHF<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Nous concluons qu&#8217;il y a une diff\u00e9rence de 20&#8217;000 CHF. C&#8217;est beaucoup 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-11\"><span class=\"ez-toc-section\" id=\"Pourquoi_une_telle_difference\"><\/span><strong>Pourquoi une telle diff\u00e9rence ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais des robo-advisors <strong>s\u2019additionnent ann\u00e9e apr\u00e8s ann\u00e9e<\/strong> et <strong>r\u00e9duisent l\u2019effet des int\u00e9r\u00eats compos\u00e9s<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avec 0% de frais<\/strong> : Ton argent cro\u00eet de <strong>5% par an<\/strong> sans obstacle.<\/li>\n\n\n\n<li><strong>Avec 0.47% de frais<\/strong> : Ton rendement <strong>net<\/strong> n\u2019est plus que de <strong>4.53% par an<\/strong> (5% &#8211; 0.47%).<br>\u2192 Cela semble peu, mais sur 20 ans, <strong>l\u2019impact est \u00e9norme<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nous concluons que si tu choisis de passer par un robot advisor afin d&#8217;investir. Il vaut mieux choisir un robo-advisor avec le moins de commissions possibles.<\/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-12\"><span class=\"ez-toc-section\" id=\"Le_cout_des_couts_caches\"><\/span><strong>Le co\u00fbt des co\u00fbts cach\u00e9s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jusqu&#8217;\u00e0 pr\u00e9sent, nous avons vu que les robo-advisors sont comp\u00e9titifs par rapport aux comptes boursiers, mais nous n&#8217;avons pas encore examin\u00e9 un point : les co\u00fbts cach\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec la plupart des robo-advisors, des frais cach\u00e9s ne sont pas inclus, comme par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>droits de timbre (environ 0,15%)<\/li>\n\n\n\n<li>co\u00fbts gestion des produits (environ 0,20%)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, <strong>on peut facilement rajouter 0,35% au frais.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et c&#8217;est l\u00e0 que les robos-advisors perdent leur force, car quand nous cumulons les frais g\u00e9n\u00e9raux et les frais cach\u00e9s, la majorit\u00e9 des robo-advisors deviennent tout simplement trop cher.<\/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=\"Comparatif_des_Frais_Robo-Advisors_vs_Gestionnaires_vs_Comptes_Boursiers\"><\/span><strong>Comparatif des Frais : Robo-Advisors vs. Gestionnaires vs. Comptes Boursiers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Type de gestion<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais moyens  par an <br>(sans TER)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Exemples<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Gestionnaire de fortune (humain)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1% \u2013 2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Banques priv\u00e9es, family offices<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Robo-Advisor<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.40% \u2013 0.75%<\/td><td class=\"has-text-align-center\" data-align=\"center\"> Finpension Invest, Viac Invest<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Compte boursier bon march\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.27% \u2013 0.50%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Interactive Brokers, Saxo, Yuh, Neon Invest<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que les frais totaux d\u00e9pendent de la strat\u00e9gie boursi\u00e8re, du nombre de placement par mois et des frais de courtage du compte. <\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96deb759c26&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96deb759c26\" 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=\"32122\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a8546eeea747\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.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=\"Comparaison des options d\u2019investissement\" data-image-description=\"&lt;p&gt;Infographie \u00e9ducative en fran\u00e7ais, organis\u00e9e en trois colonnes lumineuses sur fond bleu nuit. La colonne cyan pr\u00e9sente les robo-advisors avec algorithmes et automatisation, frais minimes, diversification automatique, accessibilit\u00e9 simple et moins d\u2019intervention humaine; la colonne orange d\u00e9crit les gestionnaires de patrimoine humains avec conseil personnalis\u00e9, analyse approfondie, frais plus \u00e9lev\u00e9s, strat\u00e9gies complexes et intervention humaine directe; la colonne verte pr\u00e9sente les comptes boursiers autonomes avec contr\u00f4le total, choix de titres, frais de transaction, temps et connaissances requis et prise de risque directe. Des illustrations de robots, conseiller financier et investisseuse devant des \u00e9crans boursiers renforcent les trois approches, tandis que la mention \u00ab Source : Donn\u00e9es G\u00e9n\u00e9rales \u00bb appara\u00eet en bas.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Cette infographie compare les avantages et limites des robo-advisors, gestionnaires humains et comptes boursiers autonomes.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.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-6a8546eeea747.png?resize=600%2C600&#038;ssl=1\" alt=\"robo vs gestionaire vs courtier - Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients\" class=\"wp-image-32122\" style=\"width:554px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8546eeea747.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"Conclusion_Robo-Advisor_ou_Compte_Boursier\"><\/span><strong>Conclusion : Robo-Advisor ou Compte Boursier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_Choisis_un_Robo-Advisor_si\"><\/span><strong>\u2705 Choisis un Robo-Advisor si :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu veux une <strong>solution cl\u00e9 en main<\/strong> sans te soucier de la gestion.<\/li>\n\n\n\n<li>Tu investis <strong>principalement en Suisse<\/strong> (par exemple, Finpension Invest ou Viac Invest sont comp\u00e9titifs).<\/li>\n\n\n\n<li>Tu n\u2019as <strong>pas le temps ou l\u2019envie<\/strong> de g\u00e9rer ton portefeuille.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Prefere_un_Compte_Boursier_si\"><\/span><strong>\u274c Pr\u00e9f\u00e8re un Compte Boursier si :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu veux <strong>contr\u00f4ler ta strat\u00e9gie<\/strong> (ex. : ETF VHYL + BNDW).<\/li>\n\n\n\n<li>Tu investis principalement <strong>aux \u00c9tats-Unis<\/strong> (Interactive Brokers par exemple).<\/li>\n\n\n\n<li>Tu veux <strong>minimiser les frais<\/strong><\/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-17\"><span class=\"ez-toc-section\" id=\"Mon_avis\"><\/span><strong>Mon avis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, je pr\u00e9f\u00e8re g\u00e9rer mon portefeuille avec des ETF depuis mon compte boursier. La gestion est plus libre et globalement, il y a moins de frais cach\u00e9s comparativement \u00e0 un robo-advisor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, pour les novices ou ceux qui aiment d\u00e9l\u00e9guer leur fortune en bourse, les robots advisors sont une bonne option.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon moi, les meilleures options en ce moment, ce sont Viac Invest<a href=\"https:\/\/viac.ch\/fr\/produits\/invest\/frais\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> ou Finpension Invest<a href=\"https:\/\/finpension.ch\/fr\/investir\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-text-align-left has-background wp-block-paragraph\" style=\"background-color:#6b0000\">\u26a0\ufe0f <strong>Rappel<\/strong> : Cet article est une <strong>opinion personnelle<\/strong>. Fais tes propres recherches et consulte un conseiller financier si besoin. Les frais et performances peuvent \u00e9voluer.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"FAQ_Investir_dans_un_Robo-advisor_Avantages_et_Inconvenients\"><\/span><strong>FAQ : <\/strong>Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients<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-19\"><span class=\"ez-toc-section\" id=\"Quest-ce_quun_robo-advisor_et_en_quoi_differe-t-il_dun_compte_boursier_classique\"><\/span><strong>Qu\u2019est-ce qu\u2019un robo-advisor et en quoi diff\u00e8re-t-il d\u2019un compte boursier classique ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>robo-advisor<\/strong> est une plateforme num\u00e9rique qui g\u00e8re automatiquement ton portefeuille d\u2019investissement en fonction de ton <strong>profil de risque<\/strong> et de tes <strong>objectifs financiers<\/strong>. Contrairement \u00e0 un <strong>compte boursier classique<\/strong>, o\u00f9 <strong>tu choisis et g\u00e8res toi-m\u00eame<\/strong> tes investissements (ETF, actions, etc.), le robo-advisor <strong>automatise tout<\/strong> : diversification, r\u00e9\u00e9quilibrage et optimisation fiscale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En revanche<\/strong>, avec un compte boursier, tu as <strong>une libert\u00e9 totale<\/strong> pour s\u00e9lectionner tes actifs, mais cela demande <strong>un peu plus de temps et de connaissances<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Combien_coutent_les_frais_dun_robo-advisor_en_Suisse_et_pourquoi_sont-ils_si_importants\"><\/span><strong>Combien co\u00fbtent les frais d\u2019un robo-advisor en Suisse, et pourquoi sont-ils si importants ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, les <strong>frais moyens d\u2019un robo-advisor<\/strong> varient entre <strong>0.47% et 0.75% par an<\/strong> (frais de gestion + TER inclus). <strong>Par exemple<\/strong>, Finpension Invest facture <strong>0.47%<\/strong>, tandis que Swissquote ou Selma se situent autour de <strong>0.75%<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il est important d&#8217;examiner aussi les co\u00fbts cach\u00e9s des robo-advisors, car ils ne sont pas toujours visibles.<\/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-21\"><span class=\"ez-toc-section\" id=\"Est-ce_quun_robo-advisor_est_plus_avantageux_fiscalement_quun_compte_boursier_en_Suisse\"><\/span><strong>Est-ce qu\u2019un robo-advisor est plus avantageux fiscalement qu\u2019un compte boursier en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cela d\u00e9pend<\/strong> du robo-advisor et de ta strat\u00e9gie. <strong>En effet<\/strong>, certains robo-advisors suisses, comme <strong>Finpension Invest<\/strong>, optimisent automatiquement la fiscalit\u00e9 sur les <strong>dividendes<\/strong> (ex. : imp\u00f4t \u00e0 la source r\u00e9duit).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En revanche<\/strong>, avec un <strong>compte boursier<\/strong>, tu dois <strong>d\u00e9clarer toi-m\u00eame<\/strong> tes gains en capital et dividendes, ce qui peut \u00eatre <strong>plus complexe mais aussi plus flexible<\/strong>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><\/blockquote>\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-22\"><span class=\"ez-toc-section\" id=\"Puis-je_investir_dans_des_ETF_americains_avec_un_robo-advisor_suisse\"><\/span><strong>Puis-je investir dans des ETF am\u00e9ricains avec un robo-advisor suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Malheureusement, non<\/strong> pour la plupart des robo-advisors suisses. <strong>En effet<\/strong>, beaucoup se limitent aux <strong>ETF suisses ou europ\u00e9ens<\/strong>, ce qui peut \u00eatre <strong>un inconv\u00e9nient majeur<\/strong> si tu veux diversifier avec des ETF aux <strong>\u00c9tats-Unis<\/strong> (ex. : ETF SP500 comme VOO).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En revanche<\/strong>, avec un <strong>compte boursier comme Interactive Brokers<\/strong>, tu as acc\u00e8s \u00e0 <strong>tous les ETF am\u00e9ricains<\/strong> avec des frais tr\u00e8s bas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_choix_entre_un_robo-advisor_et_un_compte_boursier_pour_un_investisseur_passif_en_Suisse\"><\/span><strong>Quel est le meilleur choix entre un robo-advisor et un compte boursier pour un investisseur passif en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tout d\u00e9pend de ta strat\u00e9gie et de tes priorit\u00e9s<\/strong> :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Robo-Advisor<\/th><th class=\"has-text-align-center\" data-align=\"center\">Compte Boursier<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Simplicit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Tout est automatis\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c Gestion manuelle requise<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frais<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyens \u00e0 \u00e9lev\u00e9s (selon robo-advisor)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bas \u00e0 moyens (Selon courtier)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Flexibilit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>Strat\u00e9gies pr\u00e9d\u00e9finies<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Choix total des ETF\/actions<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fiscalit\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705 <strong>Optimis\u00e9e automatiquement<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c <strong>\u00c0 g\u00e9rer soi-m\u00eame<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\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-24\"><span class=\"ez-toc-section\" id=\"Investir_dans_un_Robo-advisor_Avantages_et_Inconvenients\"><\/span>Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=1464\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/\">Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/\">Comment optimiser son 2\u00e8me pilier?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-25 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-26\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-27 wp-block-paragraph\">Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover the advantages and disadvantages of robo-advisors in Switzerland: fees, taxation, flexibility. Compare them with brokerage accounts to optimize your passive investments and maximize your long-term returns.<\/p>","protected":false},"author":215552267,"featured_media":32075,"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":"Investir dans un Robo-advisor : Avantages et Inconv\u00e9nients. 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