{"id":19285,"date":"2025-01-30T14:01:21","date_gmt":"2025-01-30T13:01:21","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=19285"},"modified":"2026-05-22T13:19:08","modified_gmt":"2026-05-22T11:19:08","slug":"how-to-invest-on-a-small-budget-2","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/","title":{"rendered":"How to invest on a small budget?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-12b3db234fbd842f87634e64abf3fd42 wp-block-paragraph\"><strong>J&#8217;entends souvent des personnes qui me demandent comment investir avec un petit budget. De nos jours, il y a plusieurs possibilit\u00e9s int\u00e9ressantes et rapides. En ayant besoin d&#8217;une simple connexion Internet \ud83d\ude09<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#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-avec-petit-budget\/#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-avec-petit-budget\/#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-avec-petit-budget\/#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-avec-petit-budget\/#Pourquoi_investir\" >Pourquoi investir?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Types_de_placements_financiers\" >Types de placements financiers?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Criteres_pour_un_placement_financier\" >Crit\u00e8res pour un placement financier?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissement_boursier\" >Investissement boursier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Exemple_dun_ETF\" >Exemple d&#8217;un ETF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Commissions_boursieres\" >Commissions boursi\u00e8res<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissements_boursiers_croissance\" >Investissements boursiers (croissance)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Rendements_boursiers_croissance\" >Rendements boursiers (croissance)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissement_boursier_grands_dividendes\" >Investissement boursier (grands dividendes)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Action_dividende_VS_Action_croissance\" >Action dividende VS Action croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Rendements_boursiers_grands_dividendes\" >Rendements boursiers (grands dividendes)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Fiscalite_en_bourse\" >Fiscalit\u00e9 en bourse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissement_dans_un_compte_3a\" >Investissement dans un compte 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissement_dans_un_compte_3a-2\" >Investissement dans un compte 3a<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissement_immobilier\" >Investissement immobilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissement_immobilier_SCPI\" >Investissement immobilier SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Rendement_SCPI\" >Rendement SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investissement_immobilier_REIT\" >Investissement immobilier REIT<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Rendement_REIT\" >Rendement REIT<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Top_3_investissement_pour_un_petit_investisseur\" >Top 3 investissement pour un petit investisseur<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/#Investir_par_fraction_pour_les_mini-budgets\" >Investir par fraction (pour les mini-budgets)<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-wp-context=\"{&quot;notices&quot;:[],&quot;hideNextPreviousButtons&quot;:false,&quot;isDisabledPrevious&quot;:true,&quot;isDisabledNext&quot;:false,&quot;ariaLabelPrevious&quot;:&quot;Previous products&quot;,&quot;ariaLabelNext&quot;:&quot;Next products&quot;,&quot;collection&quot;:&quot;woocommerce\\\/product-collection\\\/hand-picked&quot;}\" data-wp-init=\"callbacks.onRender\" data-wp-interactive=\"woocommerce\/product-collection\" data-wp-router-region=\"wc-product-collection-0\" data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" 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\">\t\t<div data-wp-interactive=\"woocommerce\/store-notices\" class=\"wc-block-components-notices alignwide\">\n\t\t\t<template data-wp-each--notice=\"state.notices\" data-wp-each-key=\"context.notice.id\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"wc-block-components-notice-banner\"\n\t\t\t\t\tdata-wp-init=\"callbacks.scrollIntoView\"\n\t\t\t\t\tdata-wp-class--is-error=\"state.isError\"\n\t\t\t\t\tdata-wp-class--is-success=\"state.isSuccess\"\n\t\t\t\t\tdata-wp-class--is-info=\"state.isInfo\"\n\t\t\t\t\tdata-wp-class--is-dismissible=\"context.notice.dismissible\"\n\t\t\t\t\tdata-wp-bind--role=\"state.role\"\n\t\t\t\t\tdata-wp-watch=\"callbacks.injectIcon\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"wc-block-components-notice-banner__content\">\n\t\t\t\t\t\t<span data-wp-init=\"callbacks.renderNoticeContent\" aria-live=\"assertive\" aria-atomic=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<button\n\t\t\t\t\t\tdata-wp-bind--hidden=\"!context.notice.dismissible\"\n\t\t\t\t\t\tclass=\"wc-block-components-button wp-element-button wc-block-components-notice-banner__dismiss contained\"\n\t\t\t\t\t\taria-label=\"Dismiss this notice\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.removeNotice\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n\t\t\t\t\t\t\t<path d=\"M13 11.8l6.1-6.3-1-1-6.1 6.2-6.1-6.2-1 1 6.1 6.3-6.5 6.7 1 1 6.5-6.6 6.5 6.6 1-1z\" \/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/template>\n\t\t<\/div>\n\t\t\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-border-color has-luminous-vivid-amber-color has-text-color has-background has-link-color wp-elements-e07326b31dd9936b997ff0d0983c4862\" style=\"border-color:#ff6900;border-width:4px;border-radius:24px;background-color:#060533\"><strong>\u26a0\ufe0f Les rendements affich\u00e9s dans cet article, ainsi que les investissements mentionn\u00e9s, ne constituent pas un conseil d&#8217;investissement. Une performance financi\u00e8re pass\u00e9e ne garantit pas un futur rendement. Investir comporte un risque de perte d&#8217;argent !<\/strong><\/h6>\n\n\n\n<h5 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-f5883d6d30f2f6f30605e92333a974bc\"><span class=\"ez-toc-section\" id=\"Pourquoi_investir\"><\/span><strong>Pourquoi investir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Premi\u00e8rement, pourquoi investir ? M\u00eame en ayant un petit budget \u00e0 investir ?<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-283ccf5b7d7fcea5417cf317661bc4f2 wp-block-paragraph\">\ud83d\udc49 <strong>En r\u00e9alit\u00e9, sans investissement, une personne perd de l&#8217;argent \u00e0 cause de l&#8217;inflation<sup><a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/4268033\" target=\"_blank\" rel=\"noreferrer noopener\">1<\/a><\/sup> ! <\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d088e41e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d088e41e\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"1300\" data-attachment-id=\"19617\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/pexels-photo-210600\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?fit=1300%2C1300&amp;ssl=1\" data-orig-size=\"1300,1300\" 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;Photo by Pixabay on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/coins-on-brown-wood-210600\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&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;coins on brown wood&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-210600\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Pixabay on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/coins-on-brown-wood-210600\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?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\/2025\/01\/pexels-photo-210600.jpeg?resize=1300%2C1300&#038;ssl=1\" alt=\"coins on brown wood - Comment investir avec un petit budget?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19617\" style=\"width:115px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?w=1300&amp;ssl=1 1300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-210600.jpeg?resize=200%2C200&amp;ssl=1 200w\" 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=\"has-text-align-center wp-block-paragraph\">En effet, presque chaque ann\u00e9e, les d\u00e9penses augmentent avec l&#8217;augmentation du co\u00fbt de la vie. Une bonne solution, c&#8217;est d&#8217;investir afin que le rendement du portefeuille d\u00e9passe l&#8217;inflation.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, il existe plusieurs types de placements financiers simples afin de faire fructifier son argent \u00e0 long terme !<\/p>\n\n\n\n<h5 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-2f462195abc4147d4093a012a8bdfbd0\"><span class=\"ez-toc-section\" id=\"Types_de_placements_financiers\"><\/span><strong>Types de placements financiers?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-12e4b0f02fa6e7edc79fae0d31bcd32a wp-block-paragraph\">\ud83d\udc49 <strong>Il y a plusieurs types de placements possibles afin de gagner de l&#8217;argent, par exemple :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Placements boursiers (croissance)<\/li>\n\n\n\n<li>Placements boursiers (grands dividendes)<\/li>\n\n\n\n<li>Mati\u00e8res premi\u00e8res<\/li>\n\n\n\n<li>Placements immobiliers<\/li>\n\n\n\n<li>Compte \u00e9pargne<\/li>\n\n\n\n<li>Bitcoin<\/li>\n\n\n\n<li>Crowdfunding<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;galleryId&quot;:&quot;6a579d088fa6b&quot;}\" data-wp-interactive=\"core\/gallery\" class=\"wp-block-gallery has-nested-images columns-3 is-cropped is-style-square wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d08903e3&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d08903e3\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"19635\" 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data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" data-id=\"19637\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=600%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-19637\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a-1.jpg?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<\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u26a0\ufe0f \u00c0 noter qu&#8217;aucun investissement ne garantit \u00e0 l&#8217;avance un profit ! De ce fait, il faut \u00e9tudier tous les risques et avantages avant d&#8217;initier un investissement.<\/p>\n\n\n\n<h5 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-f95244217e6470af40c21f7b75087682\"><span class=\"ez-toc-section\" id=\"Criteres_pour_un_placement_financier\"><\/span><strong>Crit\u00e8res pour un placement financier?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-80ee0ba005998b89e764a02816aeb777 wp-block-paragraph\"><strong>Notons que cet article, je vais uniquement \u00e9crire concernant les placements financiers simple \u00e0 investir. Avec 4 crit\u00e8res:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ayant historiquement un rendement \u00e9lev\u00e9 (10 derni\u00e8res ann\u00e9es)<\/li>\n\n\n\n<li>Diversification d&#8217;investissement (selon mon avis)<\/li>\n\n\n\n<li>Temps d&#8217;investissement inf\u00e9rieur \u00e0 5 minutes par mois<\/li>\n\n\n\n<li>Possibilit\u00e9 d&#8217;investir moins de 200 CHF (ou euros ou dollars) par mois.<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d0893b0e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d0893b0e\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border is-style-rounded wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1245\" data-attachment-id=\"19619\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/pexels-photo-590011\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?fit=1880%2C1245&amp;ssl=1\" data-orig-size=\"1880,1245\" 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;Photo by Lukas on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/white-printer-paper-590011\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&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;white printer paper&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-590011\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Lukas on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/white-printer-paper-590011\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?fit=600%2C397&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=1880%2C1245&#038;ssl=1\" alt=\"white printer paper - Comment investir avec un petit budget?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19619\" style=\"width:127px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=600%2C397&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=768%2C509&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=1536%2C1017&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=1200%2C795&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-590011.jpeg?resize=1320%2C874&amp;ssl=1 1320w\" 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=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f7979beb6ad5e6441d2b23a70d1715b9 wp-block-paragraph\"><strong>De ce fait, nous allons analyser 5 placements financiers. Afin d&#8217;investir avec un petit ou grand budget \ud83d\ude09<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF \u00e0 croissance<\/li>\n\n\n\n<li>ETF \u00e0 grands dividendes<\/li>\n\n\n\n<li>Compte 3a (avec des placements financiers diversifi\u00e9s)<\/li>\n\n\n\n<li>SCPI<\/li>\n\n\n\n<li>ETF REIT<\/li>\n<\/ul>\n\n\n\n<h5 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-2034af5910f8049d89611dc48b732025\"><span class=\"ez-toc-section\" id=\"Investissement_boursier\"><\/span><strong>Investissement boursier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-8af05c4c20110020255bfb0bb32e63e1 wp-block-paragraph\"><strong>Selon mon avis, le premier investissement que je pense pour ceux qui souhaitent investir avec un petit budget. C&#8217;est la bourse.<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d0894d7b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d0894d7b\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1733\" height=\"1300\" data-attachment-id=\"19620\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/pexels-photo-187041-5\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?fit=1733%2C1300&amp;ssl=1\" data-orig-size=\"1733,1300\" 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;Photo by Burak The Weekender on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/graphs-display-on-an-ipad-187041\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&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;graphs display on an ipad&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-187041\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Burak The Weekender on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/graphs-display-on-an-ipad-187041\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=1733%2C1300&#038;ssl=1\" alt=\"graphs display on an ipad - Comment investir avec un petit budget?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19620\" style=\"width:137px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?w=1733&amp;ssl=1 1733w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-187041.jpeg?resize=1320%2C990&amp;ssl=1 1320w\" 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=\"has-text-align-center wp-block-paragraph\">En effet, de nos jours, toute personne adulte et responsable peut ouvrir un compte boursier afin de trader.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-bf6317b1688ca4b7e966d7d95ba2a000 wp-block-paragraph\">\ud83d\udc49 <strong>Dans cet article, afin de favoriser un patrimoine d&#8217;actions diversifi\u00e9es, j&#8217;ai \u00e9crit sur les ETF. Notons qu&#8217;un ETF est un ensemble d&#8217;actions selon une strat\u00e9gie boursi\u00e8re.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, pour ceux qui d\u00e9butent en bourse, il existe des nombreux ETF selon la strat\u00e9gie boursi\u00e8re de l&#8217;actionnaire.<\/p>\n\n\n\n<h5 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-6e0156df808cdabda909e9c9ad729675\"><span class=\"ez-toc-section\" id=\"Exemple_dun_ETF\"><\/span><strong>Exemple d&#8217;un ETF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, un ETF Cac40 suit l&#8217;indice boursier Cac40. En r\u00e9alit\u00e9, l&#8217;ETF investit dans les 40 meilleures actions fran\u00e7aises.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, les 40 actions fran\u00e7aises sont mises \u00e0 jour d&#8217;une mani\u00e8re automatique. De ce fait, pour l&#8217;actionnaire, un ETF demande tr\u00e8s peu de temps de gestion.<\/p>\n\n\n\n<h5 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-0ad90232cc1b5a2148e25472e0619989\"><span class=\"ez-toc-section\" id=\"Commissions_boursieres\"><\/span><strong>Commissions boursi\u00e8res<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f0129ad8a0b6a4748f10b94d402ac85e wp-block-paragraph\"><strong>Avant d&#8217;analyser les profits en bourse. Il est important \u00e0 comprendre que le rendement d\u00e9pend de plusieurs aspects:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le temps d&#8217;investissement<\/li>\n\n\n\n<li>La p\u00e9riode d&#8217;investissement<\/li>\n\n\n\n<li>Les commissions<\/li>\n\n\n\n<li>L&#8217;inflation<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Le premier aspect que je conseille vivement de faire attention lors d&#8217;un placement boursier. <strong>Ce sont les commissions<\/strong> \ud83d\udd0d<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-947d95faf37f51e7a256d2deef88907e wp-block-paragraph\"><strong>En effet, ton compte de trading a plusieurs commissions \u00e0 prendre en consid\u00e9ration. Car ces commissions te font perdre de l&#8217;argent. Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frais d&#8217;entretien du compte<\/li>\n\n\n\n<li>Commissions concernant l&#8217;achat ou vente des actions<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6befab4428d5ede7d684e49a61716ca6 wp-block-paragraph\"><strong>En plus, il ne faut pas oublier les commissions de ton ETF:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>TER (frais de gestion du fond de placement)<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que ces commissions boursi\u00e8res vont \u00e9norm\u00e9ment influencer tes rendements boursiers sur le long terme. De ce fait, il faut les r\u00e9duire au maximum !<\/p>\n\n\n\n<h5 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-0487281560e87c372ae8d1d6602c27f0\"><span class=\"ez-toc-section\" id=\"Investissements_boursiers_croissance\"><\/span><strong>Investissements boursiers (croissance)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-65ba101782a30d5f173a747a02b9277c wp-block-paragraph\">\ud83d\udc49 <strong>Afin de fructifier le capital. En analysant les performances pass\u00e9es. Un rendement historiquement tr\u00e8s int\u00e9ressant. C&#8217;est la bourse avec des ETF qui favorisent la croissance du capital !<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-5a230a16002910f45c151accd488e823 wp-block-paragraph\">En effet, avec un portefeuille boursier diversifi\u00e9 selon la strat\u00e9gie du fonds de placement. En r\u00e9alit\u00e9, l&#8217;actionnaire peut investir dans un ensemble d&#8217;actions (c&#8217;est-\u00e0-dire un ETF) qui sont historiquement tr\u00e8s rentables !<\/p>\n\n\n\n<h5 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-9bb31fa697debd0a2c1ae8821616566b\"><span class=\"ez-toc-section\" id=\"Rendements_boursiers_croissance\"><\/span><strong>Rendements boursiers (croissance)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-a424bea6eeaddc58905fca2268f660ad wp-block-paragraph\"><strong>Voici par exemple, 3 rendements boursiers concernant 3 strat\u00e9gies boursi\u00e8res connues pour la croissance du capital . Entre janvier 2015 \u00e0 janvier 2025.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel en moyenne en 10 ans<br>(avec dividendes)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO<br>(500 meilleurs actions US)<\/td><td class=\"has-text-align-center\" data-align=\"center\">13%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VT<br>(+\/- 9&#8217;000 actions mondiales)<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.33%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq<br>(Meilleures actions technologiques US)<\/td><td class=\"has-text-align-center\" data-align=\"center\">17%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En conclusion, nous constatons que le rendement boursier d\u00e9pend de la zone g\u00e9ographique ainsi que la strat\u00e9gie boursi\u00e8re. En plus, le rendement boursier peut avoir des grandes fluctuations de prix. Par cons\u00e9quent, impossible \u00e0 anticiper le profit.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-62407edce017eadd6fb503bcb1921278 wp-block-paragraph\">\u27a1\ufe0f <strong>Par contre, nous constatons que les rendements de ces exemples sont tr\u00e8s bons. En effet, sup\u00e9rieurs \u00e0 13% annualis\u00e9 dans certains cas \ud83d\ude09<\/strong><\/p>\n\n\n\n<h5 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-fd3306f6f1e49e399e9ba29594479867\"><span class=\"ez-toc-section\" id=\"Investissement_boursier_grands_dividendes\"><\/span><strong>Investissement boursier (grands dividendes)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une autre strat\u00e9gie boursi\u00e8re connue en bourse afin de gagner de l&#8217;argent. C&#8217;est un ETF qui favorise les actions \u00e0 grands dividendes.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d089885a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d089885a\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" data-attachment-id=\"19623\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/pexels-photo-6801639\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" 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;Photo by Anna Nekrashevich on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/statistics-survey-sheet-6801639\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&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;statistics survey sheet&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-6801639\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Anna Nekrashevich on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/statistics-survey-sheet-6801639\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=1880%2C1253&#038;ssl=1\" alt=\"statistics survey sheet - Comment investir avec un petit budget?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19623\" style=\"width:130px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-6801639.jpeg?resize=1320%2C880&amp;ssl=1 1320w\" 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=\"has-text-align-center wp-block-paragraph\">Dans les grandes lignes, un dividende est un pourcentage que l&#8217;action distribue dans le compte bancaire de l&#8217;actionnaire.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-449efe680d893fbecf77deab0e31e010 wp-block-paragraph\"><strong>Notons qu&#8217;une action \u00e0 grand dividende. C&#8217;est selon mon avis:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Entre 3 \u00e0 6% de distribution du dividende<\/li>\n<\/ul>\n\n\n\n<h5 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-3c608207068b62ed49a55727febc6668\"><span class=\"ez-toc-section\" id=\"Action_dividende_VS_Action_croissance\"><\/span><strong>Action dividende VS Action croissance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-17f7185241d91697ce70924d52220f97 wp-block-paragraph\"><strong>Afin de comprendre la diff\u00e9rence entre une action \u00e0 dividende et une action \u00e0 croissance. Par exemple, imaginons qu&#8217;une action \u00e0 100 dollars distribue 4% de dividendes par ann\u00e9e. En r\u00e9alit\u00e9, \u00e0 la fin de l&#8217;ann\u00e9e. L&#8217;actionnaire aura:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>96 dollars dans la valeur de l&#8217;action<\/li>\n\n\n\n<li>4 dollars de dividendes distribu\u00e9s dans le compte bancaire de l&#8217;actionnaire<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-42b17b037538eaed3a141d7ee8750969 wp-block-paragraph\"><strong>Par contre, si c&#8217;\u00e9tait une action sans distribution de dividendes. Dans ce cas, l&#8217;actionnaire n&#8217;aurait pas re\u00e7u d&#8217;argent liquide dans son compte bancaire. En revanche, l&#8217;action continuerait \u00e0 100 dollars. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9759920ab3e0edf52bd27a4d9d61c19b wp-block-paragraph\"><strong>Par exemple:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Type d&#8217;ETF<\/th><th class=\"has-text-align-center\" data-align=\"center\">Valeur de l&#8217;action<br>(\u00e0 la fin de l&#8217;ann\u00e9e)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dividende distribu\u00e9 dans le courtier <\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF sans dividende<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 dollars<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 dollars <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF avec 4% de dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">96 dollars<\/td><td class=\"has-text-align-center\" data-align=\"center\">4 dollars<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-fb620e4e20385a3010a7b1e08f9beac7 wp-block-paragraph\">En conclusion, une action \u00e0 dividende distribue une partie du dividende dans le compte boursier de l&#8217;actionnaire.<\/p>\n\n\n\n<h5 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-41cd527e5bce061b5d91555a5c5c0354\"><span class=\"ez-toc-section\" id=\"Rendements_boursiers_grands_dividendes\"><\/span><strong>Rendements boursiers (grands dividendes)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u27a1\ufe0f La performance d&#8217;un ETF \u00e0 grands dividendes d\u00e9pend de l&#8217;ensemble des actions que l&#8217;ETF contient.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-29daa98b0bc34c67c586e8c4131657a8 wp-block-paragraph\"><strong>Par exemple, j&#8217;ai pris en consid\u00e9ration la performance de 4 ETF \u00e0 grands dividendes que j&#8217;appr\u00e9cie le plus en ce moment:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">ETF<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel en moyenne en 10 ans<br>(jan 2015 \u00e0 han 2025)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dividende distribu\u00e9 en moyenne<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">HDV<br>(Meilleures actions US \u00e0 grands dividendes)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VYM<br>(Meilleures actions US \u00e0 grands dividendes)<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VYMI<br>(Meilleures actions mondiales \u00e0 grands dividendes sauf actions US)<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VYHL<br>(Meilleurs actions \u00e0 grands dividendes dans le monde)<\/td><td class=\"has-text-align-center\" data-align=\"center\">6%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans ce cas, nous concluons que la performance d&#8217;un ETF \u00e0 grands dividendes sera influenc\u00e9e par les investissements du fonds de placement! Car il faut une s\u00e9lection minutieuse afin de choisir des bonnes actions \u00e0 dividendes !<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5ebd83d45873e590f0b46600306372c0 wp-block-paragraph\"><strong>En conclusion, si l&#8217;on souhaite analyser la performance pass\u00e9e des ETF que j&#8217;ai \u00e9tudi\u00e9 (2014-2024). Dans les grandes lignes, c&#8217;est :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>7% annualis\u00e9 -&gt; croissance capital<\/li>\n\n\n\n<li>3% annualis\u00e9 -&gt; dividende<\/li>\n<\/ul>\n\n\n\n<h5 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-3ea8bd3a8644c3ccf10a5a4110afe2e7\"><span class=\"ez-toc-section\" id=\"Fiscalite_en_bourse\"><\/span><strong>Fiscalit\u00e9 en bourse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne les imp\u00f4ts, chaque pays impose des taxes en fonction des gains boursiers.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-333a453fc7932a177c0daef720b44465 wp-block-paragraph\"><strong>En Suisse par exemple, afin de r\u00e9sumer dans les grandes lignes.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividendes -&gt; entre 15 \u00e0 35% selon le pays de l&#8217;action<\/li>\n\n\n\n<li>Fortune boursi\u00e8re -&gt; environ 1.5%<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f8e8e13553c0dbb11ddda26153a84e99 wp-block-paragraph\">\u27a1\ufe0f <strong>Dans ce cas, nous concluons qu&#8217;en Suisse, favoriser la croissance boursi\u00e8re est moins imposable que recevoir des dividendes<\/strong> \ud83d\udd0d<\/p>\n\n\n\n<h5 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-f5ca1e68bdd2370c67440e493d4d047e\"><span class=\"ez-toc-section\" id=\"Investissement_dans_un_compte_3a\"><\/span><strong>Investissement dans un compte 3a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une autre option facile afin d&#8217;investir son argent avec un petit budget mensuel. C&#8217;est un compte 3a.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, en Suisse, il y a la possibilit\u00e9 d&#8217;investir dans un compte 3a de plusieurs mani\u00e8res.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d089d901&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d089d901\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border is-style-default wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" data-attachment-id=\"19630\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/logo-investir-3a\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?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;}\" data-image-title=\"logo investir 3a\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?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\/2025\/01\/logo-investir-3a.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Comment investir avec un petit budget?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19630\" style=\"width:99px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-investir-3a.jpg?resize=200%2C200&amp;ssl=1 200w\" 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=\"has-text-align-center wp-block-paragraph\">En r\u00e9sum\u00e9, un compte 3a est un compte d&#8217;\u00e9pargne avec des retraits sous certaines conditions. Comme par exemple, atteindre un \u00e2ge avanc\u00e9 ou acheter une r\u00e9sidence principale.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-de9f4eb9ea182b282b3c66789667fc65 wp-block-paragraph\"><strong>Le grand avantage d&#8217;un compte 3a. C&#8217;est que les versements dans le compte 3a font fructifier l&#8217;\u00e9pargne et offrent des r\u00e9ductions d&#8217;imp\u00f4t.<\/strong> \ud83d\ude09<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon le montant annuel vers\u00e9, il est possible d&#8217;\u00e9conomiser plus de 1&#8217;500 CHF d&#8217;imp\u00f4ts par ann\u00e9e !<\/p>\n\n\n\n<h5 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-f5ca1e68bdd2370c67440e493d4d047e\"><span class=\"ez-toc-section\" id=\"Investissement_dans_un_compte_3a-2\"><\/span><strong>Investissement dans un compte 3a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon le compte 3a, il est possible de faire quelques placements financiers afin de gagner de l&#8217;argent sur le long terme.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-c2c2a09bed2db0feb35f5d51edea8770 wp-block-paragraph\"><strong>Selon le niveau de risque d\u00e9sir\u00e9 par l&#8217;investisseur. Il est possible d&#8217;investir dans quelques titres financiers. Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uniquement en liquidit\u00e9s avec des taux d&#8217;int\u00e9r\u00eats bancaires<\/li>\n\n\n\n<li>Investissement dans la bourse<\/li>\n\n\n\n<li>Investissement dans l&#8217;immobilier<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-608c19d1ca2ed0e9753b54795a79e205 wp-block-paragraph\"><strong>Afin de donner quelques exemples, j&#8217;ai pris en consid\u00e9ration 3 investissements du compte 3a Viac. Concernant une moyenne des 10 derni\u00e8res ann\u00e9es.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\" style=\"font-size:0.9rem\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie Viac<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00e9sum\u00e9 de la strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel en moyenne en 10 ans<br>(janvier 2015 \u00e0 janvier 2025)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Global 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investir dans des actions dans monde entier. Principalement aux USA et en Suisse.<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.9%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Global 40<\/td><td class=\"has-text-align-center\" data-align=\"center\">Garder 47% en liquidit\u00e9s + divers investissements comme par exemple immobilier, bourse, obligations ou mati\u00e8res premi\u00e8res. Dans le monde entier.<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.8%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">LP<\/td><td class=\"has-text-align-center\" data-align=\"center\">Uniquement liquidit\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moins de 1%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-4131eeacb3e83a349322e39f71346f34 wp-block-paragraph\"><strong>Voici un exemple de combien un investisseur gagne dans son compte 3a. Avec une strat\u00e9gie 100% passive. En ajoutant 200 CHF par mois dans son compte 3a. En me basant sur les performances pass\u00e9es.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Versement \/<br>B\u00e9n\u00e9fices<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Versement de la poche du client<\/td><td class=\"has-text-align-center\" data-align=\"center\">24&#8217;000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">B\u00e9n\u00e9fices boursiers Compte 3a<br>(global 100)<br>(6.9% annualis\u00e9)<\/td><td class=\"has-text-align-center\" data-align=\"center\">10&#8217;427 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9ductions imp\u00f4ts<br>(estimation)<\/td><td class=\"has-text-align-center\" data-align=\"center\">5&#8217;000 CHF<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\">Total gagn\u00e9 en 10 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">39&#8217;427 CHF<\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-57e50786bff2db0a5b811f9484a1bf7e wp-block-paragraph\">\u27a1\ufe0f <strong>Dans ce cas, qui est une estimation selon les performances pass\u00e9es. Il est possible de gagner presque 15&#8217;000 CHF en 10 ans. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effectuant un seul payement bancaire mensuel de 200 CHF par mois sur son compte 3a.<\/p>\n\n\n\n<h5 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-b8ad9c5c7b1b7ed7fc02a9b6d6a3069c\"><span class=\"ez-toc-section\" id=\"Investissement_immobilier\"><\/span><strong>Investissement immobilier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Un autre mani\u00e8re d&#8217;investir son argent avec un petit budget. C&#8217;est avec l&#8217;immobilier.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d08a1e01&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d08a1e01\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" data-attachment-id=\"19627\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/pexels-photo-101808-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" 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;Photo by AS Photography on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/black-handled-key-on-key-hole-101808\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&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;black handled key on key hole&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-101808\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by AS Photography on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/black-handled-key-on-key-hole-101808\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=1880%2C1253&#038;ssl=1\" alt=\"black handled key on key hole - Comment investir avec un petit budget?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19627\" style=\"width:153px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/pexels-photo-101808.jpeg?resize=1320%2C880&amp;ssl=1 1320w\" 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=\"has-text-align-center wp-block-paragraph\">Il existe plusieurs mani\u00e8res d&#8217;investir dans l&#8217;immobilier. Aussi connu comme investir dans la pierre.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9759920ab3e0edf52bd27a4d9d61c19b wp-block-paragraph\"><strong>Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Immobilier locatif direct<\/li>\n\n\n\n<li>Achat r\u00e9sidence principale<\/li>\n\n\n\n<li>SCPI<\/li>\n\n\n\n<li>Actions REIT<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans cet article, qui privil\u00e9gie comment investir avec un petit budget. Je vais me concentrer sur 2 placements immobiliers. Les SCPI et les actions Reit.<\/p>\n\n\n\n<h5 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-5cd45df0b4339e532b1f518d341b2200\"><span class=\"ez-toc-section\" id=\"Investissement_immobilier_SCPI\"><\/span><strong>Investissement immobilier SCPI<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une SCPI est une soci\u00e9t\u00e9 civile de placement immobilier.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d08a321f&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d08a321f\" class=\"wp-block-image aligncenter size-large is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"19631\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/immobilier-scpi\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?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;}\" data-image-title=\"immobilier scpi\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?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\/2025\/01\/immobilier-scpi.jpg?resize=600%2C600&#038;ssl=1\" alt=\"\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19631\" style=\"width:88px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/immobilier-scpi.jpg?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=\"has-text-align-center wp-block-paragraph\">Dans les grandes lignes, l&#8217;investisseur place son argent dans une SCPI, qui l&#8217;utilise afin d&#8217;investir dans l&#8217;immobilier et de faire cro\u00eetre l&#8217;argent du client.<\/p>\n\n\n\n<h5 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-ebb7dc2ecb853e9e679394f1b9cfc168\"><span class=\"ez-toc-section\" id=\"Rendement_SCPI\"><\/span><strong>Rendement<\/strong> SCPI<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-85687a235e3962ac7d45bd916c549c18 wp-block-paragraph\"><strong>Les rendements varient selon les investissements de la SCPI de rendement. La plupart des clients re\u00e7oivent environ :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> 5 \u00e0 8% brute de l&#8217;investissement, selon la SCPI choisie.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-eb06b2eaa9284b44c0cd99d79d79bb75 wp-block-paragraph\"><strong>Ensuite, il faut soustraire les commissions aux b\u00e9n\u00e9fices. Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frais d&#8217;entr\u00e9e de la SCPI (en r\u00e9alit\u00e9, ce sont des frais de sortie)<\/li>\n\n\n\n<li>Frais de gestion de la SCPI<\/li>\n\n\n\n<li>Imp\u00f4ts<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udd0d Notons que la fiscalit\u00e9 va d\u00e9pendre de la SCPI ainsi que des pays de l&#8217;investissement. Parfois, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#feffda\" class=\"has-inline-color\">la fiscalit\u00e9 peut atteindre 47% par rapport au b\u00e9n\u00e9fices<\/mark><\/strong> \ud83d\ude2c<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, avant de choisir une SCPI, il faut absolument analyser les commissions avant l&#8217;achat. Car les commissions peuvent \u00eatre tr\u00e8s cons\u00e9quentes !<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">SCPI DE RENDEMENT<\/th><th class=\"has-text-align-center\" data-align=\"center\"><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Croissance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Selon SCPI<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Distribution de dividende<br>(revenu locatif)<\/td><td class=\"has-text-align-center\" data-align=\"center\">5 &#8211; 8%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Fiscalit\u00e9 (estimation)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Entre 13 \u00e0 47% du dividende<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 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-8c8ec85f1940752de6ee4d8a71a47702\"><span class=\"ez-toc-section\" id=\"Investissement_immobilier_REIT\"><\/span><strong>Investissement immobilier REIT<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une action REIT est une action immobili\u00e8re.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d08a5f8c&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d08a5f8c\" class=\"wp-block-image aligncenter size-large is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"19633\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/logo-action-reit\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?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;}\" data-image-title=\"logo action reit\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?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\/2025\/01\/logo-action-reit.jpg?resize=600%2C600&#038;ssl=1\" alt=\"Comment investir avec un petit budget?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-19633\" style=\"width:115px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/01\/logo-action-reit.jpg?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=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f010e882f0e92391c0e7f84b196e8b18 wp-block-paragraph\"><strong>Dans les grandes lignes, l&#8217;actionnaire investit dans des actions REIT. L&#8217;action REIT investit l&#8217;argent de l&#8217;actionnaire dans l&#8217;immobilier. Et l&#8217;actionnaire re\u00e7oit des rendements immobiliers (principalement des loyers per\u00e7us), au prorata de l&#8217;argent investi.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Afin de simplifier un investissement REIT, il est possible d&#8217;acheter un ETF REIT. Ce qui permet d&#8217;avoir un patrimoine d&#8217;actions diversifi\u00e9es dans le domaine de l&#8217;immobilier passif \ud83d\ude09<\/p>\n\n\n\n<h5 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-f77ad0174231cb0914eff0fedc87a0be\"><span class=\"ez-toc-section\" id=\"Rendement_REIT\"><\/span><strong>Rendement REIT<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5612b898d90dac6e3ecc950c1d33261d wp-block-paragraph\"><strong>Concernant le rendement d&#8217;un ETF REIT, j&#8217;ai \u00e9crit un article. Dans les grandes lignes.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Croissance boursi\u00e8re ETF REIT -&gt; Tr\u00e8s Faible<\/li>\n\n\n\n<li>Distribution des Dividendes ETF REIT -&gt; Bon (autour de 3.5% selon l&#8217;ETF)<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2d59d7592d2d1207507745689ed38406 wp-block-paragraph\">\ud83d\udc49 <strong>En ce qui concerne la fiscalit\u00e9, en Suisse. Investir dans des actions REIT n&#8217;est pas optimale \ud83d\ude2c<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udd0d En r\u00e9alit\u00e9, la fiscalit\u00e9 suisse est plus avantageuse avec une croissance boursi\u00e8re comparativement aux dividendes. Et les ETF REIT favorisent les dividendes.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">ETF REIT<\/th><th class=\"has-text-align-center\" data-align=\"center\"><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Croissance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Distribution de dividende<br>(revenu locatif)<\/td><td class=\"has-text-align-center\" data-align=\"center\">3 &#8211; 3.5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Fiscalit\u00e9 (estimation)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Entre 15 \u00e0 35% du dividende<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 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-6b7f3355a532974674f8990a06ae7ab6\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Il y a plusieurs options faciles afin d&#8217;investir son argent avec un petit budget mensuel !<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3ed853e6d139ba6af2f5a9d910b520b5 wp-block-paragraph\"><strong>Voici un r\u00e9sum\u00e9 des rendements estim\u00e9s \u00e0 long terme pour chaque type d&#8217;investissement. Selon la rentabilit\u00e9 des 10 derni\u00e8res ann\u00e9es<\/strong> (2014-2024).<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que je ne compte pas l&#8217;inflation dans le rendement net !<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--9\" style=\"font-size:0.9rem\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement financier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement brut annuel estim\u00e9<br>(avec dividende)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Estimation<br>Imp\u00f4ts<br>(En suisse) <\/th><th class=\"has-text-align-center\" data-align=\"center\">Commissions<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement net estim\u00e9<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF SP500<br>(actions US)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+12%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+10,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Global<br>(actions mondiales)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+8%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+6%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3a global 100<br>(actions mondiales + d\u00e9ductions fiscales)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+8,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Actions \u00e0 grands dividendes<br>(tous les domaines)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+8,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI de rendement<\/td><td class=\"has-text-align-center\" data-align=\"center\">+6,5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+3.5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF REIT<br>(actions immobili\u00e8res)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+3.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1,5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">-0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-af1625dc685aa6a9778844ff4bc07a8b wp-block-paragraph\"><strong>Notons que ce tableau est une g\u00e9n\u00e9ralit\u00e9 et une simple estimation. Tout rendement d\u00e9pendra de plusieurs crit\u00e8res !<\/strong><\/p>\n\n\n\n<h5 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-556d803b0f1116e1335a2e43d387c4b2\"><span class=\"ez-toc-section\" id=\"Top_3_investissement_pour_un_petit_investisseur\"><\/span><strong>Top 3 investissement pour un petit investisseur<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">D&#8217;apr\u00e8s mes estimations et mon opinion (pas un conseil d&#8217;investissement). <\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-24d19db82173fbc1073516bc2b86d55a wp-block-paragraph\">\ud83d\udc49 <strong>Voici le top 3 pour un investisseur avec un petit budget mensuel:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compte 3a global 100<\/li>\n\n\n\n<li>ETF SP500<\/li>\n\n\n\n<li>ETF \u00e0 grands dividendes US<\/li>\n<\/ul>\n\n\n\n<h5 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-33895feb3e598947394cfeb24acefd03\"><span class=\"ez-toc-section\" id=\"Investir_par_fraction_pour_les_mini-budgets\"><\/span><strong>Investir par fraction (pour les mini-budgets)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu as peu d&#8217;argent \u00e0 investir chaque mois, ce n&#8217;est pas un probl\u00e8me \ud83d\ude09<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-d909e8b45bf34a4249975b301798cbe7 wp-block-paragraph\">\ud83d\udc49 <strong>En r\u00e9alit\u00e9, certains comptes de trading te permettent d&#8217;acheter des fractions de placements financiers.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, si ton action boursi\u00e8re co\u00fbte 200 dollars et tu n&#8217;a que 50 dollars \u00e0 investir. Tu peux acheter le 25% de ton action !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, tu peux b\u00e9n\u00e9ficier de la rentabilit\u00e9 de ton investissement. Au prorata du pourcentage que tu investis.<\/p>\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=19285\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-77b97fe5 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/les-5-erreurs-a-eviter-quand-on-debute-en-bourse\/\">Les 5 erreurs \u00e0 \u00e9viter quand on d\u00e9bute en bourse<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-en-bourse-le-guide-complet-pour-debutant-en-7-etapes\/\">Comment investir en bourse ? Le guide complet pour d\u00e9butant en 7 \u00e9tapes<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-inflation-influence-richesse\/\">Comment l&#8217;Inflation influence ta richesse?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-annees-atteindre-liberte-financiere-fire\/\">Combien d&#8217;ann\u00e9es pour atteindre sa libert\u00e9 financi\u00e8re FIRE?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/\">R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3f93acef4b70ccc4ca10ffce460f03fd wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Les dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5daf2f135bed92bf2dd6844d889bcc42\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<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=\"has-background-color has-text-color has-link-color wp-elements-b972c151b199c3815273e66ff4690712 wp-block-paragraph\">Comment investir avec un petit budget?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nowadays, there are several interesting and quick possibilities to invest. Even for those who have a very limited budget. All you need is a simple Internet connection \ud83d\ude09<\/p>","protected":false},"author":215552267,"featured_media":19757,"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":"De nos jours, il y a plusieurs possibilit\u00e9s int\u00e9ressantes et rapides afin d'investir. M\u00eame pour ceux qui ont budget tr\u00e8s limit\u00e9. 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