{"id":20637,"date":"2025-04-03T13:22:31","date_gmt":"2025-04-03T11:22:31","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=20637"},"modified":"2026-08-04T13:51:06","modified_gmt":"2026-08-04T11:51:06","slug":"sp500-smi-and-bitcoin-comparison-which-investment-to-choose","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/","title":{"rendered":"SP500 SMI and Bitcoin Comparison: Which Investment to Choose?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Dans cet article, Comparatif SP500, SMI et Bitcoin : Quel Investissement Choisir ? Nous allons r\u00e9sumer les avantages, les inconv\u00e9nients ainsi que les performances pass\u00e9es de ces 3 strat\u00e9gies.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom 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\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#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\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#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\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#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\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#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\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#S_P_500_SMI_et_Bitcoin_de_quoi_parle-t-on\" >S&amp;P 500, SMI et Bitcoin : de quoi parle-t-on ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_S_P_500\" >Le S&amp;P 500<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_SMI\" >Le SMI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_Bitcoin\" >Le Bitcoin<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quelle_est_la_difference_entre_un_indice_boursier_et_une_cryptomonnaie\" >Quelle est la diff\u00e9rence entre un indice boursier et une cryptomonnaie ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quelle_est_la_difference_entre_un_indice_et_un_ETF\" >Quelle est la diff\u00e9rence entre un indice et un ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Risque_et_securite_quel_investissement_semble_le_plus_solide\" >Risque et s\u00e9curit\u00e9 : quel investissement semble le plus solide ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#S_P_500_810_selon_mon_appreciation\" >S&amp;P 500 : 8\/10 selon mon appr\u00e9ciation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#SMI_710_selon_mon_appreciation\" >SMI : 7\/10 selon mon appr\u00e9ciation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Bitcoin_510_selon_mon_appreciation\" >Bitcoin : 5\/10 selon mon appr\u00e9ciation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Performance_et_rendement_que_nous_apprennent_les_resultats_passes\" >Performance et rendement : que nous apprennent les r\u00e9sultats pass\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Volatilite_quel_investissement_fluctue_le_plus\" >Volatilit\u00e9 : quel investissement fluctue le plus ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Pourquoi_le_Bitcoin_est-il_plus_volatil\" >Pourquoi le Bitcoin est-il plus volatil ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#La_concentration_du_SMI_et_du_S_P_500\" >La concentration du SMI et du S&amp;P 500<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Dividendes_quel_investissement_genere_des_revenus\" >Dividendes : quel investissement g\u00e9n\u00e8re des revenus ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Frais_de_gestion\" >Frais de gestion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Bitcoin\" >Bitcoin<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#ETF_S_P_500\" >ETF S&amp;P 500<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#ETF_SMI\" >ETF SMI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Frais_dachat_et_de_vente\" >Frais d\u2019achat et de vente<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Investisseur_passif_ou_investisseur_actif\" >Investisseur passif ou investisseur actif<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Linvestisseur_actif\" >L\u2019investisseur actif<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Linvestisseur_passif\" >L\u2019investisseur passif<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Tableau_comparatif_S_P_500_SMI_ou_Bitcoin\" >Tableau comparatif : S&amp;P 500, SMI ou Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Mon_opinion_Bitcoin_S_P_500_ou_SMI\" >Mon opinion : Bitcoin, S&amp;P 500 ou SMI ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#FAQ_S_P_500_SMI_ou_Bitcoin\" >FAQ : S&amp;P 500, SMI ou Bitcoin<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quel_investissement_choisir_entre_le_S_P_500_le_SMI_et_le_Bitcoin\" >Quel investissement choisir entre le S&amp;P 500, le SMI et le Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_S_P_500_est-il_plus_sur_que_le_Bitcoin\" >Le S&amp;P 500 est-il plus s\u00fbr que le Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_Bitcoin_est-il_plus_rentable_que_le_S_P_500\" >Le Bitcoin est-il plus rentable que le S&amp;P 500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_S_P_500_est-il_plus_rentable_que_le_SMI\" >Le S&amp;P 500 est-il plus rentable que le SMI ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Pourquoi_le_Bitcoin_est-il_plus_volatil_que_le_S_P_500\" >Pourquoi le Bitcoin est-il plus volatil que le S&amp;P 500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Peut-on_investir_directement_dans_le_S_P_500\" >Peut-on investir directement dans le S&amp;P 500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quelle_est_la_difference_entre_un_ETF_S_P_500_et_le_S_P_500\" >Quelle est la diff\u00e9rence entre un ETF S&amp;P 500 et le S&amp;P 500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Peut-on_investir_dans_le_SMI_avec_un_ETF\" >Peut-on investir dans le SMI avec un ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_SMI_est-il_suffisamment_diversifie\" >Le SMI est-il suffisamment diversifi\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_Bitcoin_verse-t-il_des_dividendes\" >Le Bitcoin verse-t-il des dividendes ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_S_P_500_verse-t-il_des_dividendes\" >Le S&amp;P 500 verse-t-il des dividendes ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_SMI_verse-t-il_plus_de_dividendes_que_le_S_P_500\" >Le SMI verse-t-il plus de dividendes que le S&amp;P 500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quels_sont_les_frais_dun_ETF_S_P_500\" >Quels sont les frais d\u2019un ETF S&amp;P 500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quels_sont_les_frais_pour_acheter_du_Bitcoin\" >Quels sont les frais pour acheter du Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_Bitcoin_est-il_adapte_a_un_investissement_a_long_terme\" >Le Bitcoin est-il adapt\u00e9 \u00e0 un investissement \u00e0 long terme ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_S_P_500_est-il_adapte_a_un_investissement_passif\" >Le S&amp;P 500 est-il adapt\u00e9 \u00e0 un investissement passif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Faut-il_investir_dans_le_S_P_500_ou_dans_le_SMI_quand_on_vit_en_Suisse\" >Faut-il investir dans le S&amp;P 500 ou dans le SMI quand on vit en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Peut-on_investir_a_la_fois_dans_le_S_P_500_le_SMI_et_le_Bitcoin\" >Peut-on investir \u00e0 la fois dans le S&amp;P 500, le SMI et le Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quel_pourcentage_de_son_portefeuille_investir_dans_le_Bitcoin\" >Quel pourcentage de son portefeuille investir dans le Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Quel_est_le_meilleur_investissement_pour_un_debutant_S_P_500_SMI_ou_Bitcoin\" >Quel est le meilleur investissement pour un d\u00e9butant : S&amp;P 500, SMI ou Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Le_S_P_500_peut-il_perdre_de_la_valeur\" >Le S&amp;P 500 peut-il perdre de la valeur ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Peut-on_perdre_tout_son_argent_avec_le_Bitcoin\" >Peut-on perdre tout son argent avec le Bitcoin ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#S_P_500_SMI_ou_Bitcoin_quel_est_le_meilleur_choix_a_long_terme\" >S&amp;P 500, SMI ou Bitcoin : quel est le meilleur choix \u00e0 long terme ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-56\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/#Comparatif_SP500_SMI_et_Bitcoin_Quel_Investissement_Choisir\" >Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#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-background has-gabarito-font-family\" style=\"border-width:4px;border-radius:17px;background-color:#100057\"><strong>Attention \u26a0\ufe0f Cet article refl\u00e8te une opinion personnelle et ne constitue pas un conseil d&#8217;investissement. Investir comporte des risques de perte d&#8217;argent. Les rendements pass\u00e9s mentionn\u00e9s ne garantissent pas les r\u00e9sultats futurs !<\/strong><\/h6>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500, le SMI et le Bitcoin sont trois placements tr\u00e8s diff\u00e9rents. Pourtant, ils sont souvent compar\u00e9s par les investisseurs qui cherchent \u00e0 faire fructifier leur argent sur le long terme.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lequel offre le meilleur potentiel de rendement ? <\/li>\n\n\n\n<li>Lequel est le plus stable ? <\/li>\n\n\n\n<li>Qui est le plus adapt\u00e9 \u00e0 une strat\u00e9gie passive ? <\/li>\n\n\n\n<li>Faut-il privil\u00e9gier les actions am\u00e9ricaines, les grandes entreprises suisses ou le Bitcoin ?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous allons comparer ces trois investissements selon plusieurs crit\u00e8res, par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>leur fonctionnement <\/li>\n\n\n\n<li>leur niveau de diversification <\/li>\n\n\n\n<li>leur risque et leur volatilit\u00e9 <\/li>\n\n\n\n<li>leurs performances pass\u00e9es <\/li>\n\n\n\n<li>les frais <\/li>\n\n\n\n<li>leur compatibilit\u00e9 avec une strat\u00e9gie passive ou active.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#470000\">\u26a0\ufe0f <strong>Avertissement :<\/strong> cet article pr\u00e9sente une analyse g\u00e9n\u00e9rale et une opinion personnelle. Il ne constitue pas un conseil en investissement. Investir comporte un risque de perte, et les performances pass\u00e9es ne garantissent jamais les performances futures.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"S_P_500_SMI_et_Bitcoin_de_quoi_parle-t-on\"><\/span>S&amp;P 500, SMI et Bitcoin : de quoi parle-t-on ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de comparer leurs performances, il est important de comprendre ce que repr\u00e9sente chaque investissement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Le_S_P_500\"><\/span>Le S&amp;P 500<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5c012118af&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5c012118af\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" data-attachment-id=\"13196\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/faire-argent-dormant-vraiment-possible\/sp500-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"sp500 logo\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.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\/2024\/06\/sp500-logo.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?\" class=\"wp-image-13196\" style=\"width:102px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/06\/sp500-logo.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=\"wp-block-paragraph\">Le <strong>S&amp;P 500<\/strong><a href=\"https:\/\/www.spglobal.com\/spdji\/en\/indices\/equity\/sp-500\/#overview\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> est un indice boursier am\u00e9ricain. Il regroupe environ 500 grandes entreprises cot\u00e9es aux \u00c9tats-Unis. Il repr\u00e9sente une part importante de la capitalisation du march\u00e9 boursier am\u00e9ricain (environ 80%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On y retrouve notamment des entreprises comme Apple, Microsoft, NVIDIA, Amazon ou encore Coca-Cola.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 ne correspond donc pas \u00e0 une seule entreprise. Il s\u2019agit d\u2019un indice qui mesure l\u2019\u00e9volution d\u2019un ensemble nombreux d\u2019actions am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour investir dans le S&amp;P 500, les particuliers utilisent g\u00e9n\u00e9ralement un <strong>ETF<\/strong>, c\u2019est-\u00e0-dire un fonds cot\u00e9 en bourse qui cherche \u00e0 reproduire la performance de l\u2019indice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffde0\" class=\"has-inline-color\">L\u2019un des principaux avantages du S&amp;P 500 est sa diversification<\/mark><\/strong> : au lieu de d\u00e9pendre d\u2019une seule entreprise, l\u2019investisseur est expos\u00e9 \u00e0 plusieurs centaines de soci\u00e9t\u00e9s actives dans diff\u00e9rents secteurs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Le_SMI\"><\/span>Le SMI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5c012126b0&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5c012126b0\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" data-attachment-id=\"22854\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/etf-us-vs-etf-irlandais-vs-etf-suisse\/switzerland-flag\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?fit=1024%2C768&amp;ssl=1\" data-orig-size=\"1024,768\" data-comments-opened=\"1\" data-image-title=\"switzerland-flag\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?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\/03\/switzerland-flag-600x450.png?resize=600%2C450&#038;ssl=1\" alt=\"Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?\" class=\"wp-image-22854\" style=\"width:96px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/03\/switzerland-flag.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>SMI<\/strong>, ou Swiss Market Index, est l\u2019un des principaux indices boursiers suisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il regroupe les principales grandes entreprises cot\u00e9es en Suisse. Parmi elles figurent notamment Nestl\u00e9, Roche, Novartis, UBS ou encore Zurich Insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI offre donc une exposition au march\u00e9 suisse. Il est toutefois beaucoup plus concentr\u00e9 que le S&amp;P 500 :<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffad6\" class=\"has-inline-color\"> il comprend environ 20 entreprises suisses<\/mark><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette concentration signifie que l\u2019\u00e9volution du SMI d\u00e9pend fortement des performances de ses plus grandes entreprises, notamment dans les secteurs de la sant\u00e9 et de la consommation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme pour le S&amp;P 500, il est g\u00e9n\u00e9ralement possible d\u2019investir dans le SMI au moyen d\u2019un ETF.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Le_Bitcoin\"><\/span>Le Bitcoin<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5c01213767&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5c01213767\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1733\" height=\"1300\" data-attachment-id=\"22936\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/pexels-photo-730564\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?fit=1733%2C1300&amp;ssl=1\" data-orig-size=\"1733,1300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;caption&quot;:&quot;Photo by David McBee on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/round-silver-and-gold-coins-730564\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;title&quot;:&quot;round silver and gold coins&quot;}\" data-image-title=\"pexels-photo-730564\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by David McBee on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/round-silver-and-gold-coins-730564\/&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\/04\/pexels-photo-730564.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\/04\/pexels-photo-730564.jpeg?resize=1733%2C1300&#038;ssl=1\" alt=\"round silver and gold coins - Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?\" class=\"wp-image-22936\" style=\"width:115px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?w=1733&amp;ssl=1 1733w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.jpeg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/pexels-photo-730564.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=\"wp-block-paragraph\">Le <strong>Bitcoin<\/strong> est une cryptomonnaie num\u00e9rique qui fonctionne sur un r\u00e9seau d\u00e9centralis\u00e9 appel\u00e9 blockchain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement au S&amp;P 500 et au SMI, le Bitcoin ne repr\u00e9sente pas un portefeuille d\u2019entreprises. Il ne donne pas droit \u00e0 une part des b\u00e9n\u00e9fices d\u2019une soci\u00e9t\u00e9 et ne verse pas de dividendes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffedb\" class=\"has-inline-color\">Le prix du bitcoin d\u00e9pend principalement de l\u2019offre et de la demande sur le march\u00e9.<\/mark><\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est \u00e9galement influenc\u00e9 par de nombreux facteurs. Par exemple : l\u2019adoption par les investisseurs, la r\u00e9glementation, les conditions \u00e9conomiques, les \u00e9volutions technologiques et le sentiment des march\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin est connu pour son potentiel de hausse important, mais aussi pour ses fortes variations de prix.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_un_indice_boursier_et_une_cryptomonnaie\"><\/span>Quelle est la diff\u00e9rence entre un indice boursier et une cryptomonnaie ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>indice boursier<\/strong> est un outil qui mesure l\u2019\u00e9volution d\u2019un groupe d\u2019actions selon des r\u00e8gles pr\u00e9cises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, le S&amp;P 500 mesure la performance d\u2019environ 500 grandes entreprises am\u00e9ricaines. Si la valeur globale de ces entreprises augmente, l\u2019indice a tendance \u00e0 progresser. Si leur valeur diminue, l\u2019indice baisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI fonctionne selon le m\u00eame principe, mais avec un nombre beaucoup plus limit\u00e9 d\u2019entreprises suisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffedb\" class=\"has-inline-color\">Le Bitcoin, quant \u00e0 lui, est un actif num\u00e9rique individuel. Acheter du Bitcoin revient \u00e0 s\u2019exposer directement \u00e0 l\u2019\u00e9volution du prix d\u2019une seule cryptomonnaie.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence est donc importante :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500 et SMI<\/th><th class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Indices compos\u00e9s de plusieurs entreprises<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actif num\u00e9rique unique<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Exposition \u00e0 des soci\u00e9t\u00e9s qui g\u00e9n\u00e8rent des revenus et des b\u00e9n\u00e9fices<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ne repr\u00e9sente pas une participation dans une entreprise<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 de recevoir  des dividendes via certains ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aucun dividende<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Diversification entre plusieurs entreprises<\/td><td class=\"has-text-align-center\" data-align=\"center\">Concentration sur un seul actif<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_un_indice_et_un_ETF\"><\/span>Quelle est la diff\u00e9rence entre un indice et un ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cette distinction est essentielle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>indice<\/strong> est un indicateur. Il mesure la performance d\u2019un groupe d\u2019actions, mais il n\u2019est pas possible de l\u2019acheter directement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un <strong>ETF<\/strong>, en revanche, est un produit financier n\u00e9goci\u00e9 en bourse. Il peut \u00eatre achet\u00e9 et vendu comme une action.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, un ETF S&amp;P 500 cherche \u00e0 reproduire la performance du S&amp;P 500. En achetant une seule part de cet ETF, l\u2019investisseur peut obtenir une exposition \u00e0 plusieurs centaines d\u2019entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe \u00e9galement des ETF qui suivent le SMI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffedb\" class=\"has-inline-color\">Les ETF permettent donc d\u2019investir simplement dans un indice, souvent avec des frais relativement faibles et sans devoir acheter chaque action s\u00e9par\u00e9ment.<\/mark><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Risque_et_securite_quel_investissement_semble_le_plus_solide\"><\/span>Risque et s\u00e9curit\u00e9 : quel investissement semble le plus solide ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le mot \u00ab s\u00e9curit\u00e9 \u00bb peut \u00eatre trompeur en investissement. Aucun de ces placements n\u2019est garanti et leur valeur peut diminuer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est donc pr\u00e9f\u00e9rable d\u2019\u00e9valuer plusieurs \u00e9l\u00e9ments :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la diversification <\/li>\n\n\n\n<li>la concentration <\/li>\n\n\n\n<li>la volatilit\u00e9 <\/li>\n\n\n\n<li>le risque de perte durable <\/li>\n\n\n\n<li>la solidit\u00e9 du march\u00e9 concern\u00e9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que les notes suivantes sont subjectives et repr\u00e9sentent uniquement une appr\u00e9ciation personnelle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"S_P_500_810_selon_mon_appreciation\"><\/span>S&amp;P 500 : 8\/10 selon mon appr\u00e9ciation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 b\u00e9n\u00e9ficie d\u2019une diversification importante puisqu\u2019il regroupe environ 500 grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il comprend de nombreuses soci\u00e9t\u00e9s am\u00e9ricaines qui commercialisent des produits dans le monde entier. L\u2019indice est \u00e9galement r\u00e9guli\u00e8rement r\u00e9\u00e9quilibr\u00e9 : les entreprises qui ne remplissent plus les crit\u00e8res sont remplac\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette diversification r\u00e9duit le risque li\u00e9 \u00e0 la faillite ou \u00e0 la mauvaise performance d\u2019une seule entreprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, le S&amp;P 500 reste expos\u00e9 au march\u00e9 am\u00e9ricain. Il peut conna\u00eetre des p\u00e9riodes de fortes baisses, notamment lors de r\u00e9cessions ou de crises financi\u00e8res.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 est donc diversifi\u00e9, mais il n\u2019est pas sans risque.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"SMI_710_selon_mon_appreciation\"><\/span>SMI : 7\/10 selon mon appr\u00e9ciation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI repose sur de grandes entreprises suisses g\u00e9n\u00e9ralement bien \u00e9tablies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, l\u2019indice est beaucoup plus concentr\u00e9 que le S&amp;P 500. Il comprend environ 20 entreprises, et les plus grandes d\u2019entre elles repr\u00e9sentent une part importante de l\u2019indice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le march\u00e9 suisse est \u00e9galement moins diversifi\u00e9 sur le plan sectoriel. Les secteurs de la sant\u00e9, de la consommation et de la finance y occupent une place importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI peut donc \u00eatre consid\u00e9r\u00e9 comme relativement solide gr\u00e2ce \u00e0 la qualit\u00e9 et \u00e0 la stabilit\u00e9 de plusieurs de ses grandes entreprises, mais sa concentration repr\u00e9sente un risque suppl\u00e9mentaire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Bitcoin_510_selon_mon_appreciation\"><\/span>Bitcoin : 5\/10 selon mon appr\u00e9ciation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin est un actif mondial, tr\u00e8s liquide et largement connu. Il poss\u00e8de un r\u00e9seau d\u00e9centralis\u00e9 et ne d\u00e9pend pas directement d\u2019une entreprise ou d\u2019un gouvernement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, le prix du bitcoin d\u00e9pend en grande partie de la confiance qu&#8217;on lui fait. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Son prix peut \u00e9voluer tr\u00e8s fortement sur de courtes p\u00e9riodes, car le moindre petit \u00e9v\u00e8nement fait fluctuer le prix. En effet, le Bitcoin a d\u00e9j\u00e0 connu plusieurs baisses importantes au cours de son histoire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investir uniquement dans le Bitcoin revient \u00e9galement \u00e0 concentrer son investissement sur un seul actif tr\u00e8s instable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le risque ne se limite donc pas \u00e0 une \u00e9ventuelle perte totale. Il comprend aussi la possibilit\u00e9 de subir des baisses importantes, parfois pendant plusieurs mois ou plusieurs ann\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Performance_et_rendement_que_nous_apprennent_les_resultats_passes\"><\/span>Performance et rendement : que nous apprennent les r\u00e9sultats pass\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La performance pass\u00e9e est souvent l\u2019un des premiers crit\u00e8res analys\u00e9s par les investisseurs. Cependant, il faut rester prudent : <em>les r\u00e9sultats historiques ne permettent pas de pr\u00e9voir les performances futures.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la p\u00e9riode analys\u00e9e dans la version initiale de cet article (<em>f\u00e9vrier 2015 &#8211; f\u00e9vrier 2025<\/em>), le Bitcoin a obtenu une performance nettement sup\u00e9rieure \u00e0 celle du S&amp;P 500 et du SMI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 titre indicatif, les r\u00e9sultats sont :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">P\u00e9riode analys\u00e9e<\/th><th class=\"has-text-align-center\" data-align=\"center\">Bitcoin<br>(rouge)<\/th><th class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<br>(blue)<\/th><th class=\"has-text-align-center\" data-align=\"center\">SMI<br>(noir)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Environ 3 ans<br>(2022-2025)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+132 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">+38 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">+5 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Environ 5 ans<br>(2022-2025)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+850 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">+80 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">+15 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-pale-pink-color has-text-color has-link-color wp-elements-14\"><strong>3 ans (f\u00e9vrier 2022 \u00e0 f\u00e9vrier 2025)<\/strong><\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5c012180da&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5c012180da\" 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=\"310\" data-attachment-id=\"20646\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/3-ans-comp\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/3-ans-comp.jpg?fit=895%2C462&amp;ssl=1\" data-orig-size=\"895,462\" data-comments-opened=\"1\" data-image-meta=\"{&quot;credit&quot;:&quot;Joe HP&quot;,&quot;created_timestamp&quot;:&quot;1739796009&quot;}\" data-image-title=\"3 ans comp\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/3-ans-comp.jpg?fit=600%2C310&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\/02\/3-ans-comp.jpg?resize=600%2C310&#038;ssl=1\" alt=\"Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-20646\" style=\"border-width:5px;border-radius:10px;aspect-ratio:1.8724123362906633;width:397px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/3-ans-comp.jpg?resize=600%2C310&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/3-ans-comp.jpg?resize=300%2C155&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/3-ans-comp.jpg?resize=768%2C396&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/3-ans-comp.jpg?resize=18%2C9&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/3-ans-comp.jpg?w=895&amp;ssl=1 895w\" 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<ol class=\"wp-block-list\">\n<li>Bitcoin (132%)<\/li>\n\n\n\n<li>SP500 (38%)<\/li>\n\n\n\n<li>SMI (5%)<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-pale-pink-color has-text-color has-link-color wp-elements-15\"><strong>5 ans (f\u00e9vrier 2020 \u00e0 f\u00e9vrier 2025)<\/strong><\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5c01218ca7&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5c01218ca7\" 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=\"306\" data-attachment-id=\"20649\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/5-ans-comp\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?fit=902%2C460&amp;ssl=1\" data-orig-size=\"902,460\" data-comments-opened=\"1\" data-image-meta=\"{&quot;credit&quot;:&quot;Joe HP&quot;,&quot;created_timestamp&quot;:&quot;1739796225&quot;}\" data-image-title=\"5 ans comp\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?fit=600%2C306&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\/02\/5-ans-comp.jpg?resize=600%2C306&#038;ssl=1\" alt=\"Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-20649\" style=\"border-width:5px;border-radius:10px;aspect-ratio:1.8958950486669488;width:426px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?resize=600%2C306&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?resize=300%2C153&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?resize=768%2C392&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?resize=18%2C9&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?resize=900%2C460&amp;ssl=1 900w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/02\/5-ans-comp.jpg?w=902&amp;ssl=1 902w\" 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<ol class=\"wp-block-list\">\n<li>Bitcoin (850%)<\/li>\n\n\n\n<li>SP500 (80%)<\/li>\n\n\n\n<li>SMI (15%)<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, si je modifie les dates de juillet 2021 \u00e0 juillet 2026, nous concluons que les r\u00e9sultats sont tr\u00e8s diff\u00e9rents pour le bitcoin:<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5c012196f2&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5c012196f2\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"346\" data-attachment-id=\"30718\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comparatif-sp500-smi-et-bitcoin-quel-investissement-choisir\/bit-vs-sp500-vs-smi\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/bit-vs-sp500-vs-smi.png?fit=1122%2C647&amp;ssl=1\" data-orig-size=\"1122,647\" data-comments-opened=\"1\" data-image-title=\"bit vs sp500 vs smi\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/bit-vs-sp500-vs-smi.png?fit=600%2C346&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\/04\/bit-vs-sp500-vs-smi.png?resize=600%2C346&#038;ssl=1\" alt=\"\" class=\"wp-image-30718\" style=\"aspect-ratio:1.704923855614261;width:542px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/bit-vs-sp500-vs-smi.png?resize=600%2C346&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/bit-vs-sp500-vs-smi.png?resize=300%2C173&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/bit-vs-sp500-vs-smi.png?resize=768%2C443&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/bit-vs-sp500-vs-smi.png?resize=18%2C10&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/04\/bit-vs-sp500-vs-smi.png?w=1122&amp;ssl=1 1122w\" 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<ol class=\"wp-block-list\">\n<li>SP500 (67%)<\/li>\n\n\n\n<li>Bitcoin (59%)<\/li>\n\n\n\n<li>SMI (16%)<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Nous voyons que le Bitcoin est un actif tr\u00e8s fluctuant, capable de gagner ou perdre beaucoup de valeur en peu de temps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 a affich\u00e9 une progression plus r\u00e9guli\u00e8re et assez significative, tandis que le SMI a connu une \u00e9volution positive mais plus mod\u00e9r\u00e9e.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Volatilite_quel_investissement_fluctue_le_plus\"><\/span>Volatilit\u00e9 : quel investissement fluctue le plus ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>volatilit\u00e9<\/strong> mesure l\u2019ampleur et la fr\u00e9quence des variations de prix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un investissement tr\u00e8s volatil peut conna\u00eetre de fortes hausses, mais aussi de fortes baisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffde0\" class=\"has-inline-color\">Le Bitcoin est g\u00e9n\u00e9ralement beaucoup plus volatil que les grands indices boursiers. Le S&amp;P 500 et le SMI ont \u00e9galement connu des p\u00e9riodes n\u00e9gatives, mais leurs variations \u00e9taient plus limit\u00e9es sur les p\u00e9riodes courtes cit\u00e9es.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela ne signifie pas que les indices boursiers ne subissent de fortes corrections.\u00a0<br>Par exemple, lors de grandes crises, les march\u00e9s actions peuvent \u00e9galement perdre plusieurs dizaines de pour cent<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence principale est que les fortes variations sont historiquement plus fr\u00e9quentes et souvent plus importantes pour le Bitcoin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_Bitcoin_est-il_plus_volatil\"><\/span>Pourquoi le Bitcoin est-il plus volatil ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs facteurs peuvent expliquer cette volatilit\u00e9.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>le Bitcoin est un seul actif. Il n\u2019offre pas la diversification d\u2019un ETF qui d\u00e9tient plusieurs centaines d\u2019entreprises.<\/li>\n\n\n\n<li>Son prix d\u00e9pend principalement de l\u2019offre et de la demande. Il ne repose pas sur des b\u00e9n\u00e9fices, des revenus ou des dividendes comme une entreprise cot\u00e9e.<\/li>\n\n\n\n<li>Le march\u00e9 du Bitcoin est fortement influenc\u00e9 par les anticipations des investisseurs, le sentiment du march\u00e9, les \u00e9volutions r\u00e9glementaires et les changements de politique mon\u00e9taire.<\/li>\n\n\n\n<li>Le march\u00e9 des cryptomonnaies est encore relativement jeune par rapport aux march\u00e9s boursiers traditionnels.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"La_concentration_du_SMI_et_du_S_P_500\"><\/span>La concentration du SMI et du S&amp;P 500<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que Le S&amp;P 500 contient beaucoup plus d\u2019entreprises que le SMI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI est particuli\u00e8rement concentr\u00e9 : ses principales positions repr\u00e9sentent une part importante de l\u2019indice. En effet,  j&#8217;ai calcul\u00e9 et conclu que les 5 actions principales represent environ 65% de l&#8217;indice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 est plus diversifi\u00e9, il contient environ 500 actions et les 5 actions principales represent environ 30% de l&#8217;indice. Selon mon opinion, c&#8217;est bien plus rassurant et diversifi\u00e9 d&#8217;investir dans un ETF S&amp;P 500 comparativement \u00e0 un ETF SMI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La comparaison peut \u00eatre r\u00e9sum\u00e9e ainsi :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Nombre approximatif d\u2019actifs<\/th><th class=\"has-text-align-center\" data-align=\"center\">Niveau de diversification<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 actif<\/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\">SMI<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 20 entreprises<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mod\u00e9r\u00e9e mais concentr\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 500 entreprises<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9e, mais pas totale<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"Dividendes_quel_investissement_genere_des_revenus\"><\/span>Dividendes : quel investissement g\u00e9n\u00e8re des revenus ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les dividendes correspondent \u00e0 une partie des b\u00e9n\u00e9fices qu\u2019une entreprise d\u00e9cide de verser \u00e0 ses actionnaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin ne verse aucun dividende. Son rendement d\u00e9pend uniquement de l\u2019\u00e9volution de son prix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les entreprises du S&amp;P 500 et du SMI peuvent verser des dividendes. Selon l\u2019ETF choisi, ces dividendes peuvent \u00eatre distribu\u00e9s \u00e0 l\u2019investisseur ou automatiquement r\u00e9investis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans les donn\u00e9es utilis\u00e9es dans la version initiale de cet article, les rendements moyens li\u00e9s aux dividendes \u00e9taient approximativement les suivants :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel indicatif<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 1,4 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SMI<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 2,5 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI a historiquement offert un rendement en dividendes plus \u00e9lev\u00e9 que le S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, un dividende n\u2019est pas un rendement gratuit. Lorsqu\u2019une entreprise verse un dividende, la valeur de l\u2019entreprise est r\u00e9duite d\u2019un montant correspondant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est donc pr\u00e9f\u00e9rable d\u2019analyser le <strong>rendement total<\/strong>, c\u2019est-\u00e0-dire l\u2019\u00e9volution du prix \u00e0 laquelle s\u2019ajoutent les dividendes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Frais_de_gestion\"><\/span>Frais de gestion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais peuvent avoir un impact important sur la performance \u00e0 long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Bitcoin\"><\/span>Bitcoin<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9tenir directement du Bitcoin ne g\u00e9n\u00e8re g\u00e9n\u00e9ralement pas de frais de gestion annuels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, d\u2019autres frais peuvent s\u2019appliquer. Nous analyserons cela dans le prochain chapitre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"ETF_S_P_500\"><\/span>ETF S&amp;P 500<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF qui suivent le S&amp;P 500 sont souvent propos\u00e9s avec des frais annuels tr\u00e8s faibles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains ETF affichent un <strong>TER<\/strong>, ou Total Expense Ratio, inf\u00e9rieur \u00e0 0,05 % par ann\u00e9e.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"ETF_SMI\"><\/span>ETF SMI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF qui suivent le SMI peuvent avoir des frais plus \u00e9lev\u00e9s que certains ETF S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, la TER demand\u00e9e est d&#8217;environ 0,15%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela s\u2019explique notamment par la taille plus limit\u00e9e du march\u00e9 et par le nombre plus restreint de produits concurrents.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">TER demand\u00e9e (Environ)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.05 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SMI<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.15 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Frais_dachat_et_de_vente\"><\/span>Frais d\u2019achat et de vente<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour acheter un ETF ou du Bitcoin, il faut g\u00e9n\u00e9ralement utiliser un courtier ou une plateforme d\u2019investissement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les co\u00fbts peuvent varier consid\u00e9rablement selon :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la plateforme <\/li>\n\n\n\n<li>le montant investi <\/li>\n\n\n\n<li>la devise utilis\u00e9e <\/li>\n\n\n\n<li>le type d\u2019ordre <\/li>\n\n\n\n<li>la fr\u00e9quence des transactions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il est difficile de dire qu&#8217;un investissement a toujours des frais d&#8217;achat moins \u00e9lev\u00e9s qu&#8217;un autre, car ces frais d\u00e9pendent principalement du compte boursier choisi par l&#8217;investisseur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"Investisseur_passif_ou_investisseur_actif\"><\/span>Investisseur passif ou investisseur actif<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les investisseurs n\u2019ont pas tous les m\u00eames objectifs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains souhaitent investir r\u00e9guli\u00e8rement pendant plusieurs d\u00e9cennies. D\u2019autres cherchent \u00e0 profiter des variations de prix sur des p\u00e9riodes plus courtes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"Linvestisseur_actif\"><\/span>L\u2019investisseur actif<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un investisseur actif cherche g\u00e9n\u00e9ralement \u00e0 prendre des d\u00e9cisions d\u2019achat et de vente en fonction des conditions du march\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut essayer d\u2019acheter un actif qu\u2019il consid\u00e8re comme sous-\u00e9valu\u00e9 et de le revendre lorsqu\u2019il estime que son prix est devenu \u00e9lev\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si l\u2019action d\u2019une entreprise baisse fortement, un investisseur actif peut d\u00e9cider de l\u2019acheter en anticipant un rebond.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette strat\u00e9gie demande souvent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de temps <\/li>\n\n\n\n<li>des connaissances financi\u00e8res <\/li>\n\n\n\n<li>une analyse r\u00e9guli\u00e8re <\/li>\n\n\n\n<li>une bonne gestion des risques <\/li>\n\n\n\n<li>une forte discipline \u00e9motionnelle<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019investissement actif peut permettre de profiter de certaines opportunit\u00e9s, mais il comporte \u00e9galement un risque d\u2019erreur important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons qu&#8217;il est difficile de pr\u00e9voir r\u00e9guli\u00e8rement les meilleurs moments pour acheter et vendre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D&#8217;ailleurs, l&#8217;\u00e9tude SPIVA a montr\u00e9 que seulement 10% des investisseurs actifs d\u00e9passent le S&amp;P 500 sur 15 ans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Linvestisseur_passif\"><\/span>L\u2019investisseur passif<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019investisseur passif cherche g\u00e9n\u00e9ralement \u00e0 investir sur le long terme sans essayer de pr\u00e9voir les mouvements quotidiens du march\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut, par exemple, acheter r\u00e9guli\u00e8rement un ETF diversifi\u00e9 et conserver ses investissements pendant plusieurs ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Son objectif est de profiter de la croissance potentielle des entreprises et de l\u2019effet des int\u00e9r\u00eats compos\u00e9s sur une longue dur\u00e9e (g\u00e9n\u00e9ralement, plus de 10 ans).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette strat\u00e9gie repose g\u00e9n\u00e9ralement sur :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une diversification importante <\/li>\n\n\n\n<li>des frais faibles <\/li>\n\n\n\n<li>des investissements r\u00e9guliers <\/li>\n\n\n\n<li>un horizon \u00e0 long terme<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nous concluons que :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Actif ou passif<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/td><td class=\"has-text-align-center\" data-align=\"center\">actif<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">passif<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SMI<\/td><td class=\"has-text-align-center\" data-align=\"center\">passif<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"Tableau_comparatif_S_P_500_SMI_ou_Bitcoin\"><\/span>Tableau comparatif : S&amp;P 500, SMI ou Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/th><th class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/th><th class=\"has-text-align-center\" data-align=\"center\">SMI<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Type d\u2019investissement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Cryptomonnaie<\/td><td class=\"has-text-align-center\" data-align=\"center\">Indice boursier am\u00e9ricain<\/td><td class=\"has-text-align-center\" data-align=\"center\">Indice boursier suisse<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre approximatif d\u2019actifs<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 500 entreprises<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 20 entreprises<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Diversification<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mod\u00e9r\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Zone principale<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mondiale<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis<\/td><td class=\"has-text-align-center\" data-align=\"center\">Suisse<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9 historique<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mod\u00e9r\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s Mod\u00e9r\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aucun<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui, environ 1,4% par an<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui, environ 2,5% par an<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais de gestion<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aucun<\/td><td class=\"has-text-align-center\" data-align=\"center\">environ 0,05%<\/td><td class=\"has-text-align-center\" data-align=\"center\">environ 0,15%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Potentiel de rendement<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9, mais avec de grandes chutes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Historiquement solide, plut\u00f4t \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Historiquement plus mod\u00e9r\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Adapt\u00e9 \u00e0 une strat\u00e9gie passive<\/td><td class=\"has-text-align-center\" data-align=\"center\">Peu adapt\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Adapt\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Adapt\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Adapt\u00e9 au trading actif<\/td><td class=\"has-text-align-center\" data-align=\"center\">Adapt\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Peu adapt\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">peu adapt\u00e9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad5c012215b1&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad5c012215b1\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"30766\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a71d00cbc807\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" data-comments-opened=\"1\" data-image-title=\"graphique &amp;#8211; S&amp;#038;P 500 vs bitcoin vs smi\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?resize=1264%2C843&#038;ssl=1\" alt=\"\" class=\"wp-image-30766\" title=\"graphique - S&amp;P 500 vs bitcoin vs smi\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a71d00cbc807.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"Mon_opinion_Bitcoin_S_P_500_ou_SMI\"><\/span>Mon opinion : Bitcoin, S&amp;P 500 ou SMI ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffcdb\" class=\"has-inline-color\">le S&amp;P 500 est le choix le plus \u00e9quilibr\u00e9 parmi ces trois investissements pour une strat\u00e9gie passive et potentiellement rentable \u00e0 long terme.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il offre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une exposition \u00e0 plusieurs centaines de grandes entreprises <\/li>\n\n\n\n<li>une diversification importante <\/li>\n\n\n\n<li>des frais souvent faibles via certains ETF <\/li>\n\n\n\n<li>un bon historique de croissance sur le long terme <\/li>\n\n\n\n<li>une volatilit\u00e9 g\u00e9n\u00e9ralement moins importante que celle du Bitcoin<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI peut \u00e9galement \u00eatre int\u00e9ressant, notamment pour les investisseurs qui souhaitent renforcer leur exposition aux grandes entreprises suisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin poss\u00e8de un potentiel de rendement \u00e9lev\u00e9, mais il s\u2019accompagne d\u2019une volatilit\u00e9 importante et d\u2019un niveau d\u2019incertitude plus \u00e9lev\u00e9. Selon mon opinion, je ne mettrais pas plus de 3% de mon patrimoine total dans de la cryptomonnaie comme le bitcoin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 titre personnel, je consid\u00e8re le classement suivant pour une strat\u00e9gie passive :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>S&amp;P 500<\/strong> : le meilleur \u00e9quilibre entre diversification, potentiel de croissance et simplicit\u00e9 <\/li>\n\n\n\n<li><strong>SMI<\/strong> : une option int\u00e9ressante pour s\u2019exposer aux grandes entreprises suisses, mais plus concentr\u00e9e, ETF plut\u00f4t compl\u00e9mentaire au portefeuille.<\/li>\n\n\n\n<li><strong>Bitcoin<\/strong> : un actif sp\u00e9culatif et volatil. Je d\u00e9tiendrai seulement un tr\u00e8s petit pourcentage dans le portefeuille.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Cela ne veut pas dire que le Bitcoin est un mauvais investissement ou que le S&amp;P 500 est s\u00fbr. En v\u00e9rit\u00e9, cela indique seulement que chaque placement a des avantages et des risques, et qu&#8217;il est important d&#8217;avoir un portefeuille \u00e9quilibr\u00e9 pour r\u00e9duire les risques.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage que je d\u00e9tiendrais dans mon portefeuille<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Bitcoin<\/td><td class=\"has-text-align-center\" data-align=\"center\">Maximum 3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Jusqu&#8217;\u00e0 80%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">SMI<\/td><td class=\"has-text-align-center\" data-align=\"center\">Maximum 15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500, le SMI et le Bitcoin ne r\u00e9pondent pas au m\u00eame besoin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 offre une exposition diversifi\u00e9e aux grandes entreprises am\u00e9ricaines et peut constituer une base int\u00e9ressante pour une strat\u00e9gie \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI permet d\u2019investir dans les principales entreprises suisses, mais il est plus concentr\u00e9. C&#8217;est plut\u00f4t un placement compl\u00e9mentaire \u00e0 son investissement boursier. Selon moi, je n&#8217;investirais pas plus que 15% de mon portefolio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin pr\u00e9sente un potentiel important, mais aussi des variations beaucoup plus fortes et une incertitude plus \u00e9lev\u00e9e. Selon moi, je n&#8217;investirais pas plus que 3% de mon portefolio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_S_P_500_SMI_ou_Bitcoin\"><\/span>FAQ : S&amp;P 500, SMI ou Bitcoin<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-30\"><span class=\"ez-toc-section\" id=\"Quel_investissement_choisir_entre_le_S_P_500_le_SMI_et_le_Bitcoin\"><\/span>Quel investissement choisir entre le S&amp;P 500, le SMI et le Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix d\u00e9pend principalement de ton horizon d\u2019investissement, de ta tol\u00e9rance au risque et de tes objectifs financiers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, le <strong>S&amp;P 500<\/strong> offre le meilleur \u00e9quilibre pour un investissement passif \u00e0 long terme. Il permet d\u2019investir indirectement dans environ 500 grandes entreprises am\u00e9ricaines, avec une diversification importante et des frais souvent faibles gr\u00e2ce aux ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>SMI<\/strong> peut \u00eatre int\u00e9ressant pour renforcer son exposition aux grandes entreprises suisses, mais il est plus concentr\u00e9 puisqu\u2019il regroupe environ 20 soci\u00e9t\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>Bitcoin<\/strong> poss\u00e8de un potentiel de rendement \u00e9lev\u00e9, mais il est beaucoup plus volatil et plus sp\u00e9culatif. Il peut \u00e9ventuellement repr\u00e9senter une petite partie d\u2019un portefeuille diversifi\u00e9, mais il comporte un risque plus important.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Il ne s\u2019agit pas d\u2019un conseil en investissement. Le choix d\u00e9pend de la situation financi\u00e8re et des objectifs de chaque investisseur.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"Le_S_P_500_est-il_plus_sur_que_le_Bitcoin\"><\/span>Le S&amp;P 500 est-il plus s\u00fbr que le Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 est g\u00e9n\u00e9ralement consid\u00e9r\u00e9 comme moins risqu\u00e9 et moins volatil que le Bitcoin sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, le S&amp;P 500 regroupe environ 500 grandes entreprises am\u00e9ricaines. Cette diversification r\u00e9duit le risque li\u00e9 \u00e0 la mauvaise performance ou \u00e0 la faillite d\u2019une seule soci\u00e9t\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin, au contraire, est un actif unique. Son prix peut augmenter ou diminuer fortement en peu de temps. Il a d\u00e9j\u00e0 connu plusieurs baisses importantes au cours de son histoire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, le S&amp;P 500 n\u2019est pas un investissement garanti. Il peut \u00e9galement subir de fortes baisses pendant les crises \u00e9conomiques ou financi\u00e8res.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"Le_Bitcoin_est-il_plus_rentable_que_le_S_P_500\"><\/span>Le Bitcoin est-il plus rentable que le S&amp;P 500 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin a obtenu des performances historiques tr\u00e8s \u00e9lev\u00e9es sur certaines p\u00e9riodes. Toutefois, son rendement d\u00e9pend fortement des dates choisies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, entre f\u00e9vrier 2020 et f\u00e9vrier 2025, le Bitcoin a largement d\u00e9pass\u00e9 le S&amp;P 500 dans les donn\u00e9es pr\u00e9sent\u00e9es dans cet article. En revanche, lorsque la p\u00e9riode d\u2019analyse change, les r\u00e9sultats peuvent \u00eatre tr\u00e8s diff\u00e9rents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin est donc capable de g\u00e9n\u00e9rer des rendements tr\u00e8s importants, mais il peut aussi subir des baisses beaucoup plus fortes que le S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est pr\u00e9f\u00e9rable de comparer les investissements sur plusieurs p\u00e9riodes et d\u2019analyser \u00e9galement leur volatilit\u00e9, leur niveau de risque et leur diversification.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-33\"><span class=\"ez-toc-section\" id=\"Le_S_P_500_est-il_plus_rentable_que_le_SMI\"><\/span>Le S&amp;P 500 est-il plus rentable que le SMI ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Historiquement, le S&amp;P 500 a souvent affich\u00e9 une croissance plus importante que le SMI sur certaines p\u00e9riodes longues. Toutefois, les performances changent selon la p\u00e9riode analys\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 b\u00e9n\u00e9ficie d\u2019une exposition \u00e0 environ 500 grandes entreprises am\u00e9ricaines, notamment dans les secteurs de la technologie, de la sant\u00e9, de la finance et de la consommation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI est davantage concentr\u00e9 sur un nombre limit\u00e9 de grandes entreprises suisses. Il poss\u00e8de \u00e9galement une exposition importante aux secteurs de la sant\u00e9, de la consommation et de la finance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI a historiquement offert un rendement en dividendes plus \u00e9lev\u00e9, tandis que le S&amp;P 500 a souvent b\u00e9n\u00e9fici\u00e9 d\u2019une croissance plus importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les performances pass\u00e9es ne garantissent toutefois pas les rendements futurs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-34\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_Bitcoin_est-il_plus_volatil_que_le_S_P_500\"><\/span>Pourquoi le Bitcoin est-il plus volatil que le S&amp;P 500 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin est g\u00e9n\u00e9ralement plus volatil pour plusieurs raisons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Premi\u00e8rement, le Bitcoin est un seul actif, tandis que le S&amp;P 500 regroupe environ 500 entreprises. Le S&amp;P 500 b\u00e9n\u00e9ficie donc d\u2019une diversification beaucoup plus importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deuxi\u00e8mement, le prix du Bitcoin d\u00e9pend principalement de l\u2019offre et de la demande. Il est fortement influenc\u00e9 par le sentiment des investisseurs, l\u2019adoption des cryptomonnaies, la r\u00e9glementation et les conditions \u00e9conomiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, le march\u00e9 du Bitcoin est plus r\u00e9cent et peut r\u00e9agir fortement aux \u00e9v\u00e9nements \u00e9conomiques, politiques ou r\u00e9glementaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette volatilit\u00e9 peut entra\u00eener des gains importants, mais aussi des pertes importantes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"Peut-on_investir_directement_dans_le_S_P_500\"><\/span>Peut-on investir directement dans le S&amp;P 500 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non, il n\u2019est pas possible d\u2019acheter directement le S&amp;P 500, car il s\u2019agit d\u2019un indice boursier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour investir dans le S&amp;P 500, les particuliers utilisent g\u00e9n\u00e9ralement un <strong>ETF S&amp;P 500<\/strong>. En v\u00e9rit\u00e9, cet ETF cherche \u00e0 reproduire la performance de l\u2019indice et permet d\u2019obtenir une exposition \u00e0 plusieurs centaines de grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF peut \u00eatre achet\u00e9 et vendu en bourse, comme une action.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, un ETF S&amp;P 500 avec des frais TER tr\u00e8s faibles est un des meilleurs placements pour les investisseurs passifs sur le long terme. Cependant, chaque placement a un risque de perte d&#8217;argent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_un_ETF_S_P_500_et_le_S_P_500\"><\/span>Quelle est la diff\u00e9rence entre un ETF S&amp;P 500 et le S&amp;P 500 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 est un <strong>indice boursier<\/strong>. Il mesure l\u2019\u00e9volution d\u2019un groupe d\u2019environ 500 grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF S&amp;P 500 est un <strong>fonds n\u00e9goci\u00e9 en bourse<\/strong> qui cherche \u00e0 reproduire la performance de cet indice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019indice sert donc de r\u00e9f\u00e9rence, tandis que l\u2019ETF est le produit financier utilis\u00e9 pour investir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-37\"><span class=\"ez-toc-section\" id=\"Peut-on_investir_dans_le_SMI_avec_un_ETF\"><\/span>Peut-on investir dans le SMI avec un ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Il existe des ETF qui suivent la performance du SMI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En achetant une part d\u2019un ETF SMI, l\u2019investisseur peut obtenir une exposition aux principales entreprises cot\u00e9es en Suisse, sans devoir acheter chaque action individuellement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais, la m\u00e9thode de r\u00e9plication, la devise et la politique de distribution des dividendes peuvent varier selon l\u2019ETF choisi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-38\"><span class=\"ez-toc-section\" id=\"Le_SMI_est-il_suffisamment_diversifie\"><\/span>Le SMI est-il suffisamment diversifi\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI offre une certaine diversification puisqu\u2019il regroupe environ 20 grandes entreprises suisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il est beaucoup plus concentr\u00e9 que le S&amp;P 500. Les principales entreprises du SMI repr\u00e9sentent une part importante de l\u2019indice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI est \u00e9galement concentr\u00e9 dans certains secteurs, notamment la sant\u00e9, la consommation et la finance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut donc \u00eatre int\u00e9ressant comme compl\u00e9ment dans un portefeuille, mais il est g\u00e9n\u00e9ralement moins diversifi\u00e9 qu\u2019un indice mondial ou qu\u2019un indice compos\u00e9 de plusieurs centaines d\u2019entreprises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-39\"><span class=\"ez-toc-section\" id=\"Le_Bitcoin_verse-t-il_des_dividendes\"><\/span>Le Bitcoin verse-t-il des dividendes ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non. Le Bitcoin ne verse pas de dividendes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une entreprise peut distribuer une partie de ses b\u00e9n\u00e9fices \u00e0 ses actionnaires sous forme de dividendes. Le Bitcoin ne repr\u00e9sente pas une participation dans une entreprise et ne g\u00e9n\u00e8re donc pas de dividendes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusion, le rendement d\u2019un investissement en Bitcoin d\u00e9pend principalement de l\u2019\u00e9volution de son prix.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-40\"><span class=\"ez-toc-section\" id=\"Le_S_P_500_verse-t-il_des_dividendes\"><\/span>Le S&amp;P 500 verse-t-il des dividendes ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les entreprises qui composent le S&amp;P 500 peuvent verser des dividendes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, le fonctionnement d\u00e9pend de l\u2019ETF choisi. Un ETF peut :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>distribuer les dividendes directement \u00e0 l\u2019investisseur ;<\/li>\n\n\n\n<li>r\u00e9investir automatiquement les dividendes dans le fonds.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement en dividendes du S&amp;P 500 varie avec le temps et d\u00e9pend des entreprises qui composent l\u2019indice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-41\"><span class=\"ez-toc-section\" id=\"Le_SMI_verse-t-il_plus_de_dividendes_que_le_S_P_500\"><\/span>Le SMI verse-t-il plus de dividendes que le S&amp;P 500 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Historiquement, le SMI a souvent affich\u00e9 un rendement en dividendes sup\u00e9rieur \u00e0 celui du S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que dans les donn\u00e9es utilis\u00e9es dans cet article, le rendement annuel indicatif \u00e9tait d\u2019environ :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2,5 % pour le SMI<\/strong> ;<\/li>\n\n\n\n<li><strong>1,4 % pour le S&amp;P 500<\/strong> ;<\/li>\n\n\n\n<li><strong>0 % pour le Bitcoin<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces chiffres peuvent \u00e9voluer avec le temps. Il est \u00e9galement important d\u2019analyser le rendement total, qui comprend la variation du prix et les dividendes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-42\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_frais_dun_ETF_S_P_500\"><\/span>Quels sont les frais d\u2019un ETF S&amp;P 500 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais de gestion d\u2019un ETF S&amp;P 500 sont g\u00e9n\u00e9ralement faibles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains ETF affichent un <strong>TER<\/strong>, ou Total Expense Ratio, inf\u00e9rieur \u00e0 0,05 % par ann\u00e9e. Le niveau exact d\u00e9pend toutefois du fonds choisi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut \u00e9galement tenir compte des autres co\u00fbts \u00e9ventuels :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>frais de courtage ;<\/li>\n\n\n\n<li>frais de change ;<\/li>\n\n\n\n<li>spread entre le prix d\u2019achat et le prix de vente ;<\/li>\n\n\n\n<li>\u00e9ventuels frais de garde.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-43\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_frais_pour_acheter_du_Bitcoin\"><\/span>Quels sont les frais pour acheter du Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le co\u00fbt d\u2019achat du Bitcoin d\u00e9pend de la plateforme utilis\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais peuvent inclure :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>des frais de transaction ;<\/li>\n\n\n\n<li>un spread entre le prix d\u2019achat et le prix de vente ;<\/li>\n\n\n\n<li>des frais de d\u00e9p\u00f4t ou de retrait ;<\/li>\n\n\n\n<li>des frais de transfert sur le r\u00e9seau Bitcoin ;<\/li>\n\n\n\n<li>d\u2019\u00e9ventuels frais de conservation.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, d\u00e9tenir directement du Bitcoin ne g\u00e9n\u00e8re g\u00e9n\u00e9ralement pas de frais de gestion annuels, cependant, les frais de transaction peuvent \u00eatre plus \u00e9lev\u00e9s que ceux de certains ETF.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-44\"><span class=\"ez-toc-section\" id=\"Le_Bitcoin_est-il_adapte_a_un_investissement_a_long_terme\"><\/span>Le Bitcoin est-il adapt\u00e9 \u00e0 un investissement \u00e0 long terme ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin peut \u00eatre d\u00e9tenu sur le long terme, mais il reste un actif tr\u00e8s volatil et incertain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certains investisseurs ach\u00e8tent r\u00e9guli\u00e8rement du Bitcoin et le conservent pendant plusieurs ann\u00e9es. Cette strat\u00e9gie peut \u00eatre consid\u00e9r\u00e9e comme une approche passive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, le Bitcoin a d\u00e9j\u00e0 connu de fortes baisses. Un investisseur doit donc \u00eatre capable d\u2019accepter des variations importantes et le risque de perdre une partie significative de son investissement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-45\"><span class=\"ez-toc-section\" id=\"Le_S_P_500_est-il_adapte_a_un_investissement_passif\"><\/span>Le S&amp;P 500 est-il adapt\u00e9 \u00e0 un investissement passif ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 est souvent utilis\u00e9 dans les strat\u00e9gies d\u2019investissement passif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce \u00e0 un ETF S&amp;P 500, il est possible d\u2019investir dans plusieurs centaines de grandes entreprises am\u00e9ricaines avec un seul produit financier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie passive peut consister \u00e0 investir r\u00e9guli\u00e8rement sur le long terme sans essayer de pr\u00e9voir les variations quotidiennes du march\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, cette approche repose g\u00e9n\u00e9ralement sur la diversification, des frais faibles, un horizon d\u2019investissement long et une bonne discipline.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-46\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_dans_le_S_P_500_ou_dans_le_SMI_quand_on_vit_en_Suisse\"><\/span>Faut-il investir dans le S&amp;P 500 ou dans le SMI quand on vit en Suisse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investisseur suisse, le choix d\u00e9pend notamment de la diversification souhait\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 permet d\u2019investir dans de nombreuses grandes entreprises am\u00e9ricaines et offre une diversification plus importante que le SMI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI permet de renforcer l\u2019exposition aux principales entreprises suisses. Il peut \u00eatre int\u00e9ressant pour les investisseurs qui souhaitent d\u00e9tenir davantage d\u2019actifs li\u00e9s au march\u00e9 suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, investir uniquement dans le SMI peut cr\u00e9er une concentration importante sur la Suisse et sur quelques grandes entreprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est donc possible de consid\u00e9rer le SMI comme un investissement compl\u00e9mentaire plut\u00f4t que comme l\u2019unique composante d\u2019un portefeuille.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-47\"><span class=\"ez-toc-section\" id=\"Peut-on_investir_a_la_fois_dans_le_S_P_500_le_SMI_et_le_Bitcoin\"><\/span>Peut-on investir \u00e0 la fois dans le S&amp;P 500, le SMI et le Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Il est possible de combiner ces trois investissements dans un m\u00eame portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 peut apporter une exposition diversifi\u00e9e aux grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI peut compl\u00e9ter cette exposition avec des entreprises suisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin peut \u00e9ventuellement repr\u00e9senter une petite partie plus sp\u00e9culative du portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, la r\u00e9partition d\u00e9pend du niveau de risque accept\u00e9, de l\u2019horizon d\u2019investissement et des objectifs personnels.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-48\"><span class=\"ez-toc-section\" id=\"Quel_pourcentage_de_son_portefeuille_investir_dans_le_Bitcoin\"><\/span>Quel pourcentage de son portefeuille investir dans le Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas de pourcentage universel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion personnelle, le Bitcoin devrait repr\u00e9senter une part limit\u00e9e d\u2019un portefeuille en raison de sa forte volatilit\u00e9. Dans mon exemple, je ne d\u00e9passerais pas <strong>3 % de mon patrimoine investi<\/strong> en Bitcoin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette r\u00e9partition est subjective et ne constitue pas une recommandation financi\u00e8re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant d\u2019investir, il est important d\u2019\u00e9valuer sa capacit\u00e9 \u00e0 supporter une forte baisse sans devoir vendre dans la pr\u00e9cipitation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-49\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_investissement_pour_un_debutant_S_P_500_SMI_ou_Bitcoin\"><\/span>Quel est le meilleur investissement pour un d\u00e9butant : S&amp;P 500, SMI ou Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un d\u00e9butant qui souhaite investir sur le long terme, un ETF diversifi\u00e9 peut \u00eatre plus simple \u00e0 comprendre et \u00e0 g\u00e9rer qu\u2019un investissement concentr\u00e9 uniquement sur le Bitcoin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 offre une exposition \u00e0 plusieurs centaines d\u2019entreprises am\u00e9ricaines et poss\u00e8de g\u00e9n\u00e9ralement une volatilit\u00e9 moins \u00e9lev\u00e9e que le Bitcoin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI peut \u00e9galement \u00eatre int\u00e9ressant, mais il est plus concentr\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin est plus complexe et peut conna\u00eetre de tr\u00e8s fortes variations. Il est donc important de comprendre les risques avant d\u2019investir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-50\"><span class=\"ez-toc-section\" id=\"Le_S_P_500_peut-il_perdre_de_la_valeur\"><\/span>Le S&amp;P 500 peut-il perdre de la valeur ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Le S&amp;P 500 peut perdre de la valeur et conna\u00eetre des p\u00e9riodes de baisse importantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les crises \u00e9conomiques, les r\u00e9cessions, la hausse des taux d\u2019int\u00e9r\u00eat ou les \u00e9v\u00e9nements g\u00e9opolitiques peuvent entra\u00eener une baisse des march\u00e9s boursiers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un investissement dans le S&amp;P 500 n\u2019est donc pas garanti. Notons qu&#8217;une strat\u00e9gie \u00e0 long terme ne supprime pas le risque, mais elle permet g\u00e9n\u00e9ralement de mieux supporter les fluctuations temporaires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-51\"><span class=\"ez-toc-section\" id=\"Peut-on_perdre_tout_son_argent_avec_le_Bitcoin\"><\/span>Peut-on perdre tout son argent avec le Bitcoin ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une perte totale est th\u00e9oriquement possible, m\u00eame si ce n\u2019est pas le sc\u00e9nario le plus probable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin peut toutefois perdre une grande partie de sa valeur. Il a d\u00e9j\u00e0 connu plusieurs baisses tr\u00e8s importantes au cours de son histoire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe \u00e9galement des risques li\u00e9s aux plateformes d\u2019\u00e9change, aux erreurs de conservation, aux fraudes et \u00e0 la perte des cl\u00e9s priv\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, il est important de ne pas investir une somme que l\u2019on ne peut pas se permettre de perdre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-52\"><span class=\"ez-toc-section\" id=\"S_P_500_SMI_ou_Bitcoin_quel_est_le_meilleur_choix_a_long_terme\"><\/span>S&amp;P 500, SMI ou Bitcoin : quel est le meilleur choix \u00e0 long terme ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas de r\u00e9ponse universelle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, le S&amp;P 500 offre le meilleur compromis entre diversification, potentiel de croissance, simplicit\u00e9 et volatilit\u00e9 pour une strat\u00e9gie passive \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le SMI peut compl\u00e9ter un portefeuille gr\u00e2ce \u00e0 son exposition aux grandes entreprises suisses, mais il est plus concentr\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Bitcoin pr\u00e9sente un potentiel de rendement \u00e9lev\u00e9, mais son niveau de risque et sa volatilit\u00e9 sont \u00e9galement beaucoup plus importants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, le meilleur investissement d\u00e9pend donc du profil de risque, des objectifs et de l\u2019horizon de chaque investisseur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-53\"><span class=\"ez-toc-section\" id=\"Comparatif_SP500_SMI_et_Bitcoin_Quel_Investissement_Choisir\"><\/span>Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=20637\" 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? 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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\" 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class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/apres-10-ans-investissement-en-etf-quel-etf-je-choisirais\/\">Apr\u00e8s 10 ans d\u2019investissement en ETF : quel ETF je choisirais<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-liberte-financiere-pourquoi-les-premiers-100000-sont-les-plus-difficiles\/\">La libert\u00e9 financi\u00e8re : pourquoi les premiers 100&#8217;000 sont les plus difficiles<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/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-54 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-55\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-tertiary-color has-text-color has-link-color wp-elements-56 wp-block-paragraph\">Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you hesitating between the S&amp;P 500, the SMI, and Bitcoin? Discover their advantages, risks, past performance, and fees to better choose the investment that suits your strategy.<\/p>","protected":false},"author":215552267,"featured_media":30767,"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_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Formateur en finances personnelles \ud83c\udde8\ud83c\udded | Investissement simple (ETF) | Frugalisme & Minimalisme | J\u2019aide \u00e0 \u00e9pargner plus et investir intelligemment\n\nhttps:\/\/minimalistefrugaliste.com\/","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728543933,728545747,728545735,728545636,728545748,728545749,728545720,728545745,728544573,728544413,728545640,728545751,728545746,728545750,728545752,728545623],"class_list":["post-20637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-bitcoin","tag-comparatif-investissement","tag-diversification-portefeuille","tag-etf-sp-500","tag-etf-smi","tag-investir-dans-le-bitcoin","tag-investissement-a-long-terme","tag-investissement-en-suisse","tag-investissement-passif","tag-rendement-boursier","tag-sp-500","tag-sp-500-ou-bitcoin","tag-smi","tag-smi-ou-sp-500","tag-volatilite-bitcoin","tag-zu"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comparatif SP500 SMI et Bitcoin : Quel Investissement Choisir ? 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