{"id":23841,"date":"2026-08-10T08:38:01","date_gmt":"2026-08-10T06:38:01","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=23841"},"modified":"2026-08-10T10:04:53","modified_gmt":"2026-08-10T08:04:53","slug":"top-2-best-defensive-placements","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/","title":{"rendered":"Top 2 Defensive Placements"},"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, j&#8217;ai analys\u00e9 et compar\u00e9, selon mon avis, le top 2 des placements d\u00e9fensifs afin de comprendre cette cat\u00e9gorie d&#8217;investissement<\/strong> \ud83d\ude0a<\/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\/top-2-meilleures-placements-defensifs\/#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\/top-2-meilleures-placements-defensifs\/#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\/top-2-meilleures-placements-defensifs\/#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\/top-2-meilleures-placements-defensifs\/#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\/top-2-meilleures-placements-defensifs\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quest-ce_quune_strategie_defensive\" >Qu\u2019est-ce qu\u2019une strat\u00e9gie d\u00e9fensive ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Combien_faut-il_investir_en_placement_defensif\" >Combien faut-il investir en placement d\u00e9fensif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Garder_au_moins_3_mois_de_depenses\" >Garder au moins 3 mois de d\u00e9penses<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Mon_top_2_des_placements_defensifs\" >Mon top 2 des placements d\u00e9fensifs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#1_Le_compte-epargne\" >1. Le compte-\u00e9pargne<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#2_LETF_obligataire_BNDW\" >2. L\u2019ETF obligataire BNDW<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Compte-epargne_ou_BNDW_lequel_choisir\" >Compte-\u00e9pargne ou BNDW : lequel choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quel_rendement_faut-il_reellement_regarder\" >Quel rendement faut-il r\u00e9ellement regarder ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Une_urgence\" >Une urgence ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Pour_diversifier_une_partie_du_patrimoine_avec_des_obligations\" >Pour diversifier une partie du patrimoine avec des obligations ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Pour_generer_des_revenus_sur_le_long_terme\" >Pour g\u00e9n\u00e9rer des revenus sur le long terme?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Pour_garder_son_argent_sans_frais\" >Pour garder son argent sans frais?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Mon_avis_personnel\" >Mon avis personnel<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Resume_Compte-epargne_vs_ETF_BNDW\" >R\u00e9sum\u00e9 : Compte-\u00e9pargne vs ETF BNDW<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Le_deuxieme_pilier_est-il_aussi_un_placement_defensif\" >Le deuxi\u00e8me pilier est-il aussi un placement d\u00e9fensif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Pourquoi_est-ce_important\" >Pourquoi est-ce important ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Conclusion_Le_top_2_des_placements_defensifs\" >Conclusion : Le top 2 des placements d\u00e9fensifs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#2_comptes_bancaires_suisses_a_regarder\" >2 comptes bancaires suisses \u00e0 regarder<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#FAQ_Le_top_2_des_placements_defensifs\" >FAQ : Le top 2 des placements d\u00e9fensifs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quest-ce_quun_placement_defensif\" >Qu\u2019est-ce qu\u2019un placement d\u00e9fensif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quel_est_le_meilleur_placement_defensif\" >Quel est le meilleur placement d\u00e9fensif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Combien_faut-il_avoir_en_epargne_de_precaution\" >Combien faut-il avoir en \u00e9pargne de pr\u00e9caution ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Le_compte-epargne_est-il_un_placement_defensif\" >Le compte-\u00e9pargne est-il un placement d\u00e9fensif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#LETF_BNDW_est-il_un_placement_defensif\" >L&#8217;ETF BNDW est-il un placement d\u00e9fensif ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quelle_est_la_difference_entre_un_compte-epargne_et_lETF_BNDW\" >Quelle est la diff\u00e9rence entre un compte-\u00e9pargne et l&#8217;ETF BNDW ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#LETF_BNDW_verse-t-il_des_dividendes_chaque_mois\" >L&#8217;ETF BNDW verse-t-il des dividendes chaque mois ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quel_rendement_peut-on_attendre_de_BNDW\" >Quel rendement peut-on attendre de BNDW ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#BNDW_peut-il_perdre_de_largent\" >BNDW peut-il perdre de l\u2019argent ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quel_placement_choisir_pour_un_fonds_durgence\" >Quel placement choisir pour un fonds d\u2019urgence ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Quel_placement_choisir_pour_diversifier_son_patrimoine\" >Quel placement choisir pour diversifier son patrimoine ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Le_deuxieme_pilier_doit-il_etre_pris_en_compte_dans_son_patrimoine\" >Le deuxi\u00e8me pilier doit-il \u00eatre pris en compte dans son patrimoine ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Plus_on_vieillit_faut-il_augmenter_ses_placements_defensifs\" >Plus on vieillit, faut-il augmenter ses placements d\u00e9fensifs ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Est-il_possible_de_combiner_un_compte-epargne_et_lETF_BNDW\" >Est-il possible de combiner un compte-\u00e9pargne et l&#8217;ETF BNDW ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Les_placements_defensifs_permettent-ils_de_devenir_riche\" >Les placements d\u00e9fensifs permettent-ils de devenir riche ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-meilleures-placements-defensifs\/#Le_top_2_des_placements_defensifs\" >Le top 2 des placements d\u00e9fensifs<\/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\" style=\"\">\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\" style=\"\">\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\" style=\"\">\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<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"border-width:4px;border-radius:20px;background-color:#560000\"> <strong>\u26a0\ufe0f Cet article n&#8217;est pas un conseil d&#8217;investissement. Investir peut entra\u00eener des pertes d&#8217;argent. Les informations partag\u00e9es sont bas\u00e9es sur mon exp\u00e9rience personnelle et mes recherches. Cependant, une recherche plus approfondie est recommand\u00e9e afin de confirmer les informations de cet article.<\/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-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\">Dans cet article, je pr\u00e9sente et je compare, selon mon exp\u00e9rience et mon opinion, deux placements que je consid\u00e8re comme int\u00e9ressants pour une strat\u00e9gie d\u00e9fensive : <strong>le compte-\u00e9pargne et l\u2019ETF obligataire BNDW<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif n\u2019est pas de chercher le rendement maximal, mais plut\u00f4t de prot\u00e9ger une partie de son patrimoine et de conserver de l\u2019argent disponible pour les impr\u00e9vus ou les projets \u00e0 court terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces deux placements ne jouent toutefois pas exactement le m\u00eame r\u00f4le.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte-\u00e9pargne privil\u00e9gie la <strong>s\u00e9curit\u00e9 et la disponibilit\u00e9 de l\u2019argent<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019ETF BNDW cherche davantage \u00e0 g\u00e9n\u00e9rer des revenus gr\u00e2ce aux obligations, mais sa valeur peut fluctuer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analysons ces deux placements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Quest-ce_quune_strategie_defensive\"><\/span>Qu\u2019est-ce qu\u2019une strat\u00e9gie d\u00e9fensive ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie d\u00e9fensive consiste \u00e0 placer une partie de son patrimoine dans des supports dont l\u2019objectif principal est de <strong>limiter le risque, prot\u00e9ger son capital et limiter la volatilit\u00e9<\/strong>, plut\u00f4t que de rechercher la croissance maximale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle peut notamment servir \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>constituer une \u00e9pargne de s\u00e9curit\u00e9 <\/li>\n\n\n\n<li>financer des d\u00e9penses pr\u00e9vues \u00e0 court terme <\/li>\n\n\n\n<li>faire face aux impr\u00e9vus <\/li>\n\n\n\n<li>\u00e9viter de devoir vendre des investissements risqu\u00e9s au mauvais moment<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_investir_en_placement_defensif\"><\/span>Combien faut-il investir en placement d\u00e9fensif ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\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\">La proportion d\u00e9pend notamment de l\u2019\u00e2ge, des revenus, de la stabilit\u00e9 professionnelle, du patrimoine, des dettes ou des objectifs financiers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 titre personnel, voici une r\u00e8gle tr\u00e8s simplifi\u00e9e que j\u2019utilise pour savoir quel pourcentage dois-je investir chaque mois dans un placement d\u00e9fensif.<\/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\">\u00c2ge<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage d&#8217;investissement d\u00e9fensif<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Moins de 25 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">5 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">25\u201334 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">35\u201340 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">20 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">40\u201345 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">45\u201355 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">40 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">55\u201365 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Plus de 65 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, une personne de 36 ans qui investit 1&#8217;000 CHF par mois pourrait, selon cette r\u00e8gle personnelle, consacrer environ <strong>200 CHF aux placements d\u00e9fensifs<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autre exemple, une personne de 52 ans pourrait, selon la m\u00eame logique, devrait en consacrer environ <strong>400 CHF par mois<\/strong> en placements d\u00e9fensifs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Ce tableau n\u2019est \u00e9videmment pas une r\u00e8gle financi\u00e8re universelle. Il s\u2019agit simplement de mon approche personnelle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Garder_au_moins_3_mois_de_depenses\"><\/span>Garder au moins 3 mois de d\u00e9penses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une autre r\u00e8gle afin de conserver son patrimoine consiste \u00e0 conserver au moins <strong>3 mois de d\u00e9penses<\/strong> facilement accessibles pour faire face aux urgences.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu as 3&#8217;000 CHF de d\u00e9penses mensuelles, une r\u00e9serve de minimum <strong>9&#8217;000 CHF<\/strong> dans un compte \u00e9pargne est n\u00e9cessaire pour constituer une \u00e9pargne de pr\u00e9caution.<\/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-6\"><span class=\"ez-toc-section\" id=\"Mon_top_2_des_placements_defensifs\"><\/span>Mon top 2 des placements d\u00e9fensifs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"1_Le_compte-epargne\"><\/span>1. Le compte-\u00e9pargne<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte-\u00e9pargne est probablement le placement d\u00e9fensif le plus simple. Il suffit d&#8217;ajouter de l&#8217;argent dans un compte-\u00e9pargne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019argent reste sur un compte bancaire et peut g\u00e9n\u00e9ralement \u00eatre utilis\u00e9 rapidement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, les d\u00e9p\u00f4ts bancaires b\u00e9n\u00e9ficient, sous certaines conditions, d\u2019une garantie jusqu\u2019\u00e0 <strong>100&#8217;000 CHF par client et par banque<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le principal avantage est donc la stabilit\u00e9 :<strong> contrairement \u00e0 un ETF, la valeur du compte ne fluctue pas chaque jour avec les march\u00e9s financiers.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, <strong>le taux d\u2019int\u00e9r\u00eat est g\u00e9n\u00e9ralement faible<\/strong> (environ 1 %)<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"2_LETF_obligataire_BNDW\"><\/span>2. L\u2019ETF obligataire BNDW<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">BNDW<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/bndw\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> est un ETF obligataire mondial de Vanguard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au lieu de simplement conserver de l\u2019argent sur un compte bancaire, l\u2019investisseur ach\u00e8te des parts d\u2019un fonds qui d\u00e9tient un portefeuille diversifi\u00e9 d\u2019obligations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une obligation correspond, de mani\u00e8re simplifi\u00e9e, \u00e0 un pr\u00eat effectu\u00e9 \u00e0 un emprunteur. Avec un ETF obligataire, l\u2019investisseur est donc indirectement expos\u00e9 \u00e0 de nombreux pr\u00eats obligataires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019int\u00e9r\u00eat de BNDW est notamment sa <strong>diversification internationale<\/strong>. Ce qui permet de pr\u00eater de l&#8217;argent \u00e0 de nombreux pays et de r\u00e9duire ainsi le risque de non-remboursement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, contrairement \u00e0 un compte bancaire, la valeur de BNDW peut monter ou descendre. Ses fluctuations sont g\u00e9n\u00e9ralement moins importantes que celles d\u2019un ETF compos\u00e9 uniquement d\u2019actions, mais <strong>elles ne sont pas nulles<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un autre avantage int\u00e9ressant concerne les revenus distribu\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre <strong>2019 et 2025<\/strong>, BNDW a g\u00e9n\u00e9r\u00e9 en moyenne environ <strong>3 % par ann\u00e9e de rendement provenant de ses revenus obligataires<\/strong>. Ces revenus sont distribu\u00e9s chaque mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, l&#8217;ETF BNDW est un investissement passif, d\u00e9fensif et stable qui, malgr\u00e9 les risques et un peu de volatilit\u00e9, a historiquement g\u00e9n\u00e9r\u00e9 des revenus chaque mois et aune valeur assez stable sur le long terme.<\/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=\"Compte-epargne_ou_BNDW_lequel_choisir\"><\/span>Compte-\u00e9pargne ou BNDW : lequel choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, les deux peuvent avoir leur place dans une strat\u00e9gie d\u00e9fensive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu investis 1&#8217;000 CHF par mois et que tu souhaites consacrer <strong>10 %<\/strong> de ton budget aux placements d\u00e9fensifs, tu pourrais r\u00e9partir cette somme ainsi :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50 CHF par mois dans un compte-\u00e9pargne <\/li>\n\n\n\n<li>50 CHF par mois dans BNDW<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, tu consacres ainsi 100 CHF par mois \u00e0 une strat\u00e9gie d\u00e9fensive, avec une partie tr\u00e8s stable et une autre partie diversifi\u00e9e, plus rentable mais aussi expos\u00e9e aux fluctuations des march\u00e9s obligataires.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Quel_rendement_faut-il_reellement_regarder\"><\/span>Quel rendement faut-il r\u00e9ellement regarder ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est ici que je trouve important de ne pas tomber dans le pi\u00e8ge du \u00ab meilleur rendement \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>compte-\u00e9pargne : 0,5 % ;<\/li>\n\n\n\n<li>ETF obligataire : environ 3%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 premi\u00e8re vue, l&#8217;ETF BNDW semble \u00e9videmment plus int\u00e9ressant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais si tu as besoin de cet argent en urgence et que l\u2019ETF a perdu 5 % au moment o\u00f9 tu dois le r\u00e9cup\u00e9rer, tu perdras de l&#8217;argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est pourquoi je consid\u00e8re que <strong>le meilleur placement d\u00e9fensif d\u00e9pend avant tout de l\u2019objectif de l\u2019argent<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Une_urgence\"><\/span>Une urgence ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-12 wp-block-paragraph\">\ud83d\udc49 <strong>Compte-\u00e9pargne<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si cet argent sert de fonds d\u2019urgence si tu dois le retirer rapidement . Dans ce cas, l&#8217;argent du compte-\u00e9pargne est plus int\u00e9ressant car il est disponible et stable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Pour_diversifier_une_partie_du_patrimoine_avec_des_obligations\"><\/span>Pour diversifier une partie du patrimoine avec des obligations ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-14 wp-block-paragraph\">\ud83d\udc49 <strong>ETF BNDW<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BNDW peut \u00eatre int\u00e9ressant pour diversifier une partie d\u2019un patrimoine d\u00e9fensif gr\u00e2ce \u00e0 son exposition \u00e0 de nombreuses obligations internationales. Mais il faut accepter que sa valeur puisse fluctuer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"Pour_generer_des_revenus_sur_le_long_terme\"><\/span>Pour g\u00e9n\u00e9rer des revenus sur le long terme?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-16 wp-block-paragraph\">\ud83d\udc49 <strong>ETF BNDW<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous avons conclu que l&#8217;ETF BNDW a historiquement distribu\u00e9 une moyenne de 3% par ann\u00e9e en revenus d&#8217;int\u00e9r\u00eat. Cela signifie que cet ETF a distribu\u00e9 en moyenne 0,25% par mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que ce rendement est tr\u00e8s loin d&#8217;un simple ETF S&amp;P500 (environ 10% par ann\u00e9e), mais la valeur est historiquement beaucoup plus stable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce rendement est historique et ne garantit pas un rendement similaire \u00e0 l&#8217;avenir, mais nous comprenons qu&#8217;il est historiquement plus \u00e9lev\u00e9 que les int\u00e9r\u00eats d&#8217;un compte bancaire.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Pour_garder_son_argent_sans_frais\"><\/span>Pour garder son argent sans frais?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-18 wp-block-paragraph\">\ud83d\udc49 <strong>Compte-\u00e9pargne<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu souhaites garder ton argent sans frais, il faut choisir un compte-\u00e9pargne sans commissions annuelles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;ETF BNDW a actuellement des frais TER de 0,05%.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af6560672166&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af6560672166\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"31219\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a7968a97be0d\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7968a97be0d.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" data-comments-opened=\"1\" data-image-title=\"top 2 placementa d\u00e9fensifs\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7968a97be0d.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-6a7968a97be0d.png?resize=1264%2C843&#038;ssl=1\" alt=\"compte-\u00e9pargne vs ETF BNDW - Le top 2 des placements d\u00e9fensifs\" class=\"wp-image-31219\" style=\"aspect-ratio:1.4827399799212295;width:610px;height:auto\" title=\"top 2 placementa d\u00e9fensifs\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7968a97be0d.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7968a97be0d.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7968a97be0d.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7968a97be0d.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7968a97be0d.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-19\"><span class=\"ez-toc-section\" id=\"Mon_avis_personnel\"><\/span>Mon avis personnel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Personnellement, je ne cherche pas \u00e0 maximiser la part d\u00e9fensive de mon patrimoine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle sert surtout \u00e0 <strong>s\u00e9curiser une partie de mon argent<\/strong>, tandis que le reste est investi avec un horizon \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme je suis assez jeune, je pr\u00e9f\u00e8re investir la majorit\u00e9 de mon budget d\u2019investissement dans des placements plus orient\u00e9s vers la croissance, comme par exemple, un ETF suivant le S&amp;P 500 ou un ETF suivant le Nasdaq-100.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 titre d\u2019exemple, ma r\u00e9partition actuelle est d\u2019environ :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>5 % : compte-\u00e9pargne<\/strong> <\/li>\n\n\n\n<li><strong>5 % : ETF obligataire<\/strong> <\/li>\n\n\n\n<li><strong>20 % : ETF QQQ<\/strong> <\/li>\n\n\n\n<li><strong>70 % : ETF VOO S&amp;P 500<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cette r\u00e9partition correspond \u00e0 ma situation personnelle et \u00e0 ma tol\u00e9rance au risque. Elle ne constitue absolument pas une recommandation pour les autres investisseurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, \u00e0 noter qu&#8217;avec les ann\u00e9es qui passeront, je pr\u00e9vois d\u2019augmenter progressivement la part consacr\u00e9e aux placements mixtes et d\u00e9fensifs.<\/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-20\"><span class=\"ez-toc-section\" id=\"Resume_Compte-epargne_vs_ETF_BNDW\"><\/span>R\u00e9sum\u00e9 : Compte-\u00e9pargne vs ETF BNDW<span class=\"ez-toc-section-end\"><\/span><\/h2>\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\">Cat\u00e9gorie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mon choix<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">S\u00e9curit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 Compte-\u00e9pargne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 Compte-\u00e9pargne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Besoin urgent d&#8217;argent<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 Compte-\u00e9pargne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Faible volatilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 Compte-\u00e9pargne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moins de Frais<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 Compte-\u00e9pargne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Diversification<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 BNDW<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement potentiel<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 BNDW<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Revenus distribu\u00e9s chaque mois<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 BNDW<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Diversification internationale<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud83e\udd47 BNDW<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019est donc pas n\u00e9cessaire de choisir obligatoirement entre les deux. On peut tr\u00e8s bien utiliser le <strong>compte-\u00e9pargne pour son fonds d\u2019urgence<\/strong> et <strong>BNDW pour construire une autre partie de son patrimoine d\u00e9fensif.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, n\u2019oublions pas un \u00e9l\u00e9ment essentiel : l\u2019objectif de ces placements n\u2019est pas de nous rendre riches.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif est plut\u00f4t de <strong>s\u00e9curiser une partie du patrimoine tout en conservant une certaine disponibilit\u00e9 de l\u2019argent<\/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-21\"><span class=\"ez-toc-section\" id=\"Le_deuxieme_pilier_est-il_aussi_un_placement_defensif\"><\/span>Le deuxi\u00e8me pilier est-il aussi un placement d\u00e9fensif ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un \u00e9l\u00e9ment est souvent oubli\u00e9 lorsqu\u2019on calcule son patrimoine d\u00e9fensif : <strong>l\u2019argent accumul\u00e9 dans le deuxi\u00e8me pilier (LPP)<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quand tu travailles en Suisse, une partie du salaire est vers\u00e9e chaque mois dans la pr\u00e9voyance professionnelle. Cet argent est ensuite gard\u00e9 par la caisse de pension afin de financer la retraite.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-22 wp-block-paragraph\">Pour simplifier, on peut donc consid\u00e9rer que le deuxi\u00e8me pilier constitue <strong>une forme de patrimoine \u00e0 long terme avec une composante d\u00e9fensive importante<\/strong>.<\/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=\"Pourquoi_est-ce_important\"><\/span>Pourquoi est-ce important ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons une personne de 30 ans qui poss\u00e8de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10&#8217;000 CHF sur son compte-\u00e9pargne <\/li>\n\n\n\n<li>90&#8217;000 CHF investis en ETF offensif<\/li>\n\n\n\n<li>80&#8217;000 CHF accumul\u00e9s dans son deuxi\u00e8me pilier<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Elle pourrait croire que son patrimoine d\u00e9fensif n&#8217;est que de 10%, car elle ne compte pas le deuxi\u00e8me pilier. Alors qu&#8217;en r\u00e9alit\u00e9, son patrimoine d\u00e9fensif est dans ce cas est de 50%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour son \u00e2ge (30 ans), 50% en pourcentage d\u00e9fensif est un pourcentage trop \u00e9lev\u00e9, il devrait th\u00e9oriquement augmenter ses investissements dans un placement offensif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, ne pas calculer le deuxi\u00e8me pilier dans son patrimoine d\u00e9fensif peut donner une fausse id\u00e9e concernant les placements \u00e0 investir.<\/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=\"Conclusion_Le_top_2_des_placements_defensifs\"><\/span>Conclusion : Le top 2 des placements d\u00e9fensifs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusion, voici ce qu&#8217;il faut retenir avec un placement d\u00e9fensif:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Avoir au minimum 3 mois de r\u00e9serve par rapport \u00e0 ses d\u00e9penses mensuelles<\/li>\n\n\n\n<li>Investir chaque mois un certain pourcentage dans un compte-\u00e9pargne ou l&#8217;ETF BNDW (selon l&#8217;\u00e2ge)<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Plus tu es jeune, moins tu as besoin d&#8217;argent dans un placement d\u00e9fensif. Mais en vieillissant, il devient essentiel d&#8217;en ajouter de plus en plus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sinon, souviens-toi que l&#8217;argent de ton deuxi\u00e8me pilier est aussi un investissement d\u00e9fensif. De ce fait, analyse tes futurs placements en consid\u00e9rant aussi l&#8217;argent de ton deuxi\u00e8me pilier.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af6560672e86&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af6560672e86\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"31211\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a7965fc4f288\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7965fc4f288.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" data-comments-opened=\"1\" data-image-title=\"aaa\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7965fc4f288.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-6a7965fc4f288.png?resize=1264%2C843&#038;ssl=1\" alt=\"top 2 des placements d\u00e9fensifs : Le top 2 des placements d\u00e9fensifs\" class=\"wp-image-31211\" style=\"aspect-ratio:1.4827399799212295;width:566px;height:auto\" title=\"aaa\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7965fc4f288.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7965fc4f288.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7965fc4f288.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7965fc4f288.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a7965fc4f288.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-24\"><span class=\"ez-toc-section\" id=\"2_comptes_bancaires_suisses_a_regarder\"><\/span>2 comptes bancaires suisses \u00e0 regarder<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une strat\u00e9gie d\u00e9fensive via un compte \u00e9pargne, je recherche un compte \u00e9pargne d\u00e9tienne quatre crit\u00e8res essentiels :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pas de frais de gestion <\/li>\n\n\n\n<li>pas de commissions annuelles<\/li>\n\n\n\n<li>un taux d\u2019int\u00e9r\u00eat int\u00e9ressant <\/li>\n\n\n\n<li>Garantie des d\u00e9p\u00f4ts concernant les premiers 100&#8217;000 CHF d\u00e9pos\u00e9s<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Deux options bancaires suisses sont int\u00e9ressantes : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Yuh<\/strong><a href=\"https:\/\/www.yuh.com\/fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>  <\/li>\n\n\n\n<li><strong>Zak<\/strong><a href=\"https:\/\/www.cler.ch\/fr\/info\/zak\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu souhaites les ouvrir un compte, tu peux utiliser mes codes promotionnels :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zak : 8LU5GX<\/strong><\/li>\n\n\n\n<li><strong>Yuh : kqqml6<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les conditions des offres promotionnelles pouvant changer, v\u00e9rifie toujours les conditions applicables au moment de l\u2019ouverture.<\/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_Le_top_2_des_placements_defensifs\"><\/span>FAQ : Le top 2 des placements d\u00e9fensifs<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-25\"><span class=\"ez-toc-section\" id=\"Quest-ce_quun_placement_defensif\"><\/span>Qu\u2019est-ce qu\u2019un placement d\u00e9fensif ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un placement d\u00e9fensif est un investissement dont l\u2019objectif principal est de limiter le risque et la volatilit\u00e9 du patrimoine. Il peut notamment servir \u00e0 constituer une \u00e9pargne de s\u00e9curit\u00e9, financer des projets \u00e0 court terme ou \u00e9viter de vendre des investissements plus risqu\u00e9s en cas d\u2019impr\u00e9vu.<\/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-26\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_placement_defensif\"><\/span>Quel est le meilleur placement d\u00e9fensif ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas un seul meilleur placement d\u00e9fensif. Selon l\u2019objectif, un compte-\u00e9pargne peut \u00eatre plus adapt\u00e9 pour conserver une r\u00e9serve disponible, tandis qu\u2019un ETF obligataire comme BNDW peut permettre de diversifier une partie du patrimoine avec des obligations internationales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_avoir_en_epargne_de_precaution\"><\/span>Combien faut-il avoir en \u00e9pargne de pr\u00e9caution ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une r\u00e8gle courante consiste \u00e0 conserver au minimum l\u2019\u00e9quivalent de 3 mois de d\u00e9penses dans une \u00e9pargne facilement accessible. Par exemple, avec 3\u2019000 CHF de d\u00e9penses mensuelles, une r\u00e9serve de 9\u2019000 CHF peut constituer un premier objectif.<\/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-28\"><span class=\"ez-toc-section\" id=\"Le_compte-epargne_est-il_un_placement_defensif\"><\/span>Le compte-\u00e9pargne est-il un placement d\u00e9fensif ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Le compte-\u00e9pargne est l\u2019un des placements d\u00e9fensifs les plus simples. Il permet de conserver de l\u2019argent disponible avec une faible volatilit\u00e9. En Suisse, les d\u00e9p\u00f4ts bancaires b\u00e9n\u00e9ficient, sous certaines conditions, d\u2019une garantie jusqu\u2019\u00e0 100\u2019000 CHF par client et par banque.<\/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-29\"><span class=\"ez-toc-section\" id=\"LETF_BNDW_est-il_un_placement_defensif\"><\/span>L&#8217;ETF BNDW est-il un placement d\u00e9fensif ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">l&#8217;ETF BNDW peut \u00eatre consid\u00e9r\u00e9 comme un placement d\u00e9fensif relativement aux investissements en actions, car il investit principalement dans des obligations diversifi\u00e9es. Cependant, BNDW n\u2019est pas sans risque : sa valeur peut fluctuer et l\u2019investisseur peut subir une perte.<\/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-30\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_difference_entre_un_compte-epargne_et_lETF_BNDW\"><\/span>Quelle est la diff\u00e9rence entre un compte-\u00e9pargne et l&#8217;ETF BNDW ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte-\u00e9pargne privil\u00e9gie la stabilit\u00e9 et la disponibilit\u00e9 de l\u2019argent. BNDW permet de diversifier une partie du patrimoine dans des obligations internationales et peut g\u00e9n\u00e9rer des revenus distribu\u00e9s, mais sa valeur fluctue avec les march\u00e9s obligataires.<\/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-31\"><span class=\"ez-toc-section\" id=\"LETF_BNDW_verse-t-il_des_dividendes_chaque_mois\"><\/span>L&#8217;ETF BNDW verse-t-il des dividendes chaque mois ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">BNDW effectue des distributions r\u00e9guli\u00e8res, g\u00e9n\u00e9ralement mensuelles. Il est toutefois plus pr\u00e9cis de parler de revenus ou de distributions obligataires plut\u00f4t que de dividendes d\u2019actions, car ces revenus proviennent principalement des int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par les obligations d\u00e9tenues par le fonds.<\/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-32\"><span class=\"ez-toc-section\" id=\"Quel_rendement_peut-on_attendre_de_BNDW\"><\/span>Quel rendement peut-on attendre de BNDW ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement de BNDW n\u2019est pas garanti. Entre 2019 et 2025, l\u2019ETF a g\u00e9n\u00e9r\u00e9 en moyenne environ 3 % par ann\u00e9e de revenus obligataires. Ce chiffre correspond aux revenus distribu\u00e9s et ne repr\u00e9sente pas n\u00e9cessairement le rendement total de l\u2019investissement.<\/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=\"BNDW_peut-il_perdre_de_largent\"><\/span>BNDW peut-il perdre de l\u2019argent ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Contrairement \u00e0 un compte-\u00e9pargne, BNDW n\u2019offre pas une valeur garantie. Le prix de l\u2019ETF peut monter ou descendre, notamment en fonction de l\u2019\u00e9volution des taux d\u2019int\u00e9r\u00eat, des march\u00e9s obligataires et des devises.<\/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-34\"><span class=\"ez-toc-section\" id=\"Quel_placement_choisir_pour_un_fonds_durgence\"><\/span>Quel placement choisir pour un fonds d\u2019urgence ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un fonds d\u2019urgence, le compte-\u00e9pargne peut \u00eatre plus adapt\u00e9 qu\u2019un ETF obligataire. L\u2019objectif d\u2019une \u00e9pargne d\u2019urgence est principalement de conserver un capital disponible et stable au moment o\u00f9 l\u2019on en a besoin.<\/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=\"Quel_placement_choisir_pour_diversifier_son_patrimoine\"><\/span>Quel placement choisir pour diversifier son patrimoine ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF obligataire mondial comme BNDW peut \u00eatre utilis\u00e9 pour diversifier une partie d\u2019un patrimoine gr\u00e2ce \u00e0 son exposition \u00e0 de nombreuses obligations internationales. Il faut toutefois accepter les fluctuations et les risques associ\u00e9s \u00e0 cet 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-36\"><span class=\"ez-toc-section\" id=\"Le_deuxieme_pilier_doit-il_etre_pris_en_compte_dans_son_patrimoine\"><\/span>Le deuxi\u00e8me pilier doit-il \u00eatre pris en compte dans son patrimoine ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Le deuxi\u00e8me pilier (LPP) constitue une partie importante du patrimoine de pr\u00e9voyance en Suisse. Lorsqu\u2019on analyse son exposition globale au risque, il peut \u00eatre pertinent de prendre en compte les avoirs du deuxi\u00e8me pilier et leur structure, plut\u00f4t que de regarder uniquement son compte-\u00e9pargne et son portefeuille boursier.<\/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=\"Plus_on_vieillit_faut-il_augmenter_ses_placements_defensifs\"><\/span>Plus on vieillit, faut-il augmenter ses placements d\u00e9fensifs ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cela peut \u00eatre une approche pertinente, car l\u2019horizon d\u2019investissement diminue g\u00e9n\u00e9ralement avec l\u2019\u00e2ge et la capacit\u00e9 \u00e0 supporter une forte baisse des march\u00e9s peut \u00e9galement \u00e9voluer. Cependant, le pourcentage id\u00e9al d\u00e9pend de chaque situation personnelle, notamment des revenus, du patrimoine, des d\u00e9penses et des objectifs de retraite.<\/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=\"Est-il_possible_de_combiner_un_compte-epargne_et_lETF_BNDW\"><\/span>Est-il possible de combiner un compte-\u00e9pargne et l&#8217;ETF BNDW ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Les deux placements peuvent avoir des fonctions diff\u00e9rentes. Par exemple, le compte-\u00e9pargne peut servir de fonds d\u2019urgence, tandis que BNDW peut \u00eatre utilis\u00e9 pour diversifier une autre partie du patrimoine avec des obligations internationales.<\/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=\"Les_placements_defensifs_permettent-ils_de_devenir_riche\"><\/span>Les placements d\u00e9fensifs permettent-ils de devenir riche ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif principal d\u2019un placement d\u00e9fensif n\u2019est g\u00e9n\u00e9ralement pas de maximiser la croissance du patrimoine. Il sert plut\u00f4t \u00e0 r\u00e9duire le risque global, conserver une r\u00e9serve disponible et prot\u00e9ger une partie du patrimoine. Pour rechercher davantage de croissance sur le long terme, certains investisseurs acceptent une exposition plus importante aux actions de croissance ou \u00e0 l&#8217;immobilier.<\/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-40\"><span class=\"ez-toc-section\" id=\"Le_top_2_des_placements_defensifs\"><\/span>Le top 2 des placements d\u00e9fensifs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#08481b\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/p>\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=23841\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/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-41 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-42\"><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=\"has-text-align-left wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"has-text-align-left 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=\"wp-block-paragraph\">Le top 2 des placements d\u00e9fensifs<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-43 wp-block-paragraph\">Le top 2 des placements d\u00e9fensifs<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Not everyone needs to invest 100% of their money in the stock market. Part of their assets can serve another purpose: remaining readily available, protecting their savings, and helping them cope with unforeseen events.<\/p>\n<p>But should you simply keep this money in a savings account? Or is it worthwhile to invest it in a bond ETF like BNDW to try and generate more income?<\/p>\n<p>In this article, I compare these two defensive investments, their advantages, risks and usefulness according to the age and objectives of the investor.<\/p>","protected":false},"author":215552267,"featured_media":31212,"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":"","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":[728545772,728545771,728545775,728545776,728545770,728544967,728545723,728545774,728545767,728545773,728545769,728545766,728545777,728545768],"class_list":["post-23841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-epargne-de-precaution","tag-bndw","tag-compte-epargne-suisse","tag-deuxieme-pilier-suisse","tag-diversification-patrimoine","tag-etf-bndw","tag-etf-obligataire","tag-fonds-durgence-suisse","tag-investir-dans-les-obligations","tag-investissement-obligataire","tag-meilleur-placement-defensif","tag-patrimoine-defensif","tag-placement-defensif-suisse","tag-placements-defensifs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le top 2 des placements d\u00e9fensifs - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Le Top 2 des placements d\u00e9fensifs : compte-\u00e9pargne ou ETF BNDW ? D\u00e9couvre les avantages, risques et les diff\u00e9rences.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-2-best-defensive-placements\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le top 2 des placements d\u00e9fensifs - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"Le Top 2 des placements d\u00e9fensifs : compte-\u00e9pargne ou ETF BNDW ? 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