{"id":24075,"date":"2025-09-08T08:26:09","date_gmt":"2025-09-08T06:26:09","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=24075"},"modified":"2026-05-22T11:12:06","modified_gmt":"2026-05-22T09:12:06","slug":"investing-abroad-exchange-rate-does-not-say","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/","title":{"rendered":"Investing Abroad: What the Exchange Rate Doesn&#039;t Tell You"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-015d9532cd8eb36c457d4da3e727cd79 wp-block-paragraph\"><strong>Quand un investisseur place une partie de son argent dans un investissement \u00e9tranger, le taux de change peut affecter le rendement. Dans cet article, &#8220;Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas&#8221;, nous allons examiner l&#8217;impact du taux de change pour un investisseur.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Lactionnaire_et_la_diversification_du_taux_de_change\" >L&#8217;actionnaire et la diversification du taux de change<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Pourquoi_detenir_plusieurs_devises\" >Pourquoi d\u00e9tenir plusieurs devises?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Quest-ce_une_depreciation_dune_devise\" >Qu&#8217;est-ce une d\u00e9pr\u00e9ciation d&#8217;une devise?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Pourquoi_il_y_a_des_actionnaires_avec_plusieurs_devises\" >Pourquoi il y a des actionnaires avec plusieurs devises?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Exemple_entre_2_actionnaires_francais\" >Exemple entre 2 actionnaires fran\u00e7ais<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Exemple_entre_2_actionnaires_suisses\" >Exemple entre 2 actionnaires suisses<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Marche_boursier_US_VS_marche_boursier_francais_VS_marche_boursier_suisse\" >March\u00e9 boursier US VS march\u00e9 boursier fran\u00e7ais VS march\u00e9 boursier suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#FIRE_aux_USA_nest_pas_egal_FIRE_en_Suisse_ou_en_France\" >FIRE aux USA n&#8217;est pas \u00e9gal FIRE en Suisse ou en France<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Faut-il_avoir_un_investissement_uniquement_dans_la_devise_de_son_pays\" >Faut-il avoir un investissement uniquement dans la devise de son pays?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Devalorisation_du_Dollar_US_face_au_CHF_VS_Le_rendement_dun_SP500\" >D\u00e9valorisation du Dollar US face au CHF VS Le rendement d&#8217;un SP500<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#La_valeur_USD_-%3E_EUR_VS_Le_rendement_dun_SP500\" >La valeur USD -&gt; EUR VS Le rendement d&#8217;un SP500<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Faut-il_investir_dans_sa_region\" >Faut-il investir dans sa r\u00e9gion?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Quel_est_le_pourcentage_ideal_afin_dinvestir_dans_la_monnaie_de_son_pays\" >Quel est le pourcentage id\u00e9al afin d&#8217;investir dans la monnaie de son pays?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Quels_investissements_regionaux_proposes-tu_pour_equilibrer_les_devises_pour_un_resident_en_Europe\" >Quels investissements r\u00e9gionaux proposes-tu pour \u00e9quilibrer les devises pour un r\u00e9sident en Europe?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Exemple_investissement\" >Exemple investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Limportance_des_frais_de_conversion\" >L&#8217;importance des frais de conversion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/#7_points_cles_de_cet_article\" >7 points cl\u00e9s de cet article<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-wp-context=\"{&quot;notices&quot;:[],&quot;hideNextPreviousButtons&quot;:false,&quot;isDisabledPrevious&quot;:true,&quot;isDisabledNext&quot;:false,&quot;ariaLabelPrevious&quot;:&quot;Previous products&quot;,&quot;ariaLabelNext&quot;:&quot;Next products&quot;,&quot;collection&quot;:&quot;woocommerce\\\/product-collection\\\/hand-picked&quot;}\" data-wp-init=\"callbacks.onRender\" data-wp-interactive=\"woocommerce\/product-collection\" data-wp-router-region=\"wc-product-collection-0\" data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\t\t<div data-wp-interactive=\"woocommerce\/store-notices\" class=\"wc-block-components-notices alignwide\">\n\t\t\t<template data-wp-each--notice=\"state.notices\" data-wp-each-key=\"context.notice.id\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"wc-block-components-notice-banner\"\n\t\t\t\t\tdata-wp-init=\"callbacks.scrollIntoView\"\n\t\t\t\t\tdata-wp-class--is-error=\"state.isError\"\n\t\t\t\t\tdata-wp-class--is-success=\"state.isSuccess\"\n\t\t\t\t\tdata-wp-class--is-info=\"state.isInfo\"\n\t\t\t\t\tdata-wp-class--is-dismissible=\"context.notice.dismissible\"\n\t\t\t\t\tdata-wp-bind--role=\"state.role\"\n\t\t\t\t\tdata-wp-watch=\"callbacks.injectIcon\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"wc-block-components-notice-banner__content\">\n\t\t\t\t\t\t<span data-wp-init=\"callbacks.renderNoticeContent\" aria-live=\"assertive\" aria-atomic=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<button\n\t\t\t\t\t\tdata-wp-bind--hidden=\"!context.notice.dismissible\"\n\t\t\t\t\t\tclass=\"wc-block-components-button wp-element-button wc-block-components-notice-banner__dismiss contained\"\n\t\t\t\t\t\taria-label=\"Dismiss this notice\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.removeNotice\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n\t\t\t\t\t\t\t<path d=\"M13 11.8l6.1-6.3-1-1-6.1 6.2-6.1-6.2-1 1 6.1 6.3-6.5 6.7 1 1 6.5-6.6 6.5 6.6 1-1z\" \/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/template>\n\t\t<\/div>\n\t\t\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"border-radius:20px;background-color:#870000\">\u26a0\ufe0f Cet article n&#8217;est pas un conseil d&#8217;investissement. Investir comporte des risques de perte d&#8217;argent. Le lecteur doit faire d&#8217;autres recherches avant d&#8217;investir.<\/h6>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-f67118d5e432b536387fde9f886eb0da\"><span class=\"ez-toc-section\" id=\"Lactionnaire_et_la_diversification_du_taux_de_change\"><\/span>L&#8217;actionnaire et la diversification du taux de change<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Quand on est investisseur, on cherche \u00e0 investir avec des bons rendements sur le long terme, afin de fructifier son argent.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons qu&#8217;avec notre fortune, il est possible d&#8217;investir ou d&#8217;avoir des investissements \u00e0 l&#8217;\u00e9tranger.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, il est possible que nous avons des investissements avec plusieurs devises.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, de nos jours, il est tr\u00e8s simple d&#8217;investir par exemple, dans un ETF qui r\u00e9plique un investissement dans un pays \u00e9tranger avec une devise \u00e9trang\u00e8re.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La diversification des devises est souvent recommand\u00e9e dans notre patrimoine financier. Mais pourquoi?<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904d9f325b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904d9f325b\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"24512\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/taux-de-change-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"taux de change 2\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=600%2C600&#038;ssl=1\" alt=\"Investir \u00e0 l'\u00e9tranger : ce que le taux de change ne dit pas\" class=\"wp-image-24512\" style=\"width:156px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-2.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-288b04a8154bea86f3be27cca5822dc2\"><span class=\"ez-toc-section\" id=\"Pourquoi_detenir_plusieurs_devises\"><\/span>Pourquoi d\u00e9tenir plusieurs devises?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6271a66e87d26b616a1fdc964168d8d8 wp-block-paragraph\">\ud83d\udc49 <strong>En r\u00e9alit\u00e9, si l&#8217;investisseur poss\u00e8de des investissements en plusieurs devises \u00e9trang\u00e8res, son argent est moins soumis \u00e0 la d\u00e9pr\u00e9ciation d&#8217;une devise.<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-190c588847e3f1e970dc00e6848ef06e\"><span class=\"ez-toc-section\" id=\"Quest-ce_une_depreciation_dune_devise\"><\/span>Qu&#8217;est-ce une d\u00e9pr\u00e9ciation d&#8217;une devise?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tous les jours, les monnaies varient en valeur. Par exemple, l&#8217;Euro, le Yen ou le Dollar canadien peuvent perdre ou gagner de la valeur en 1 jour.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, la monnaie de notre pays de r\u00e9sidence a tendance \u00e0 gagner ou perdre de la valeur par rapport \u00e0 d&#8217;autres monnaies chaque jour ! C&#8217;est ce qu&#8217;on appelle le Forex.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La majorit\u00e9 des lecteurs de ce blog sont des suisses ou des europ\u00e9ens qui gagnent et d\u00e9pensent leur argent en Eur ou en CHF. En revanche, ils ont des investissements majoritairement aux USA avec l&#8217;USD.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un tableau avec la fluctuation de la valeur des 3 monnaies, entre 2015 \u00e0 2024:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">le 1.1.2015<\/th><th class=\"has-text-align-center\" data-align=\"center\">le 31.12.2024<\/th><th class=\"has-text-align-center\" data-align=\"center\">Perte ou gain de la valeur (approximatif)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">CHF -&gt; USD \/<br> 1 CHF = 0.99 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 CHF = 1.10 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Le CHF \u00e0 gagn\u00e9 11% par rapport au USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">CHF -&gt; EUR \/<br>  1 CHF = 0.83 EUR<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 CHF = 0.64 EUR<\/td><td class=\"has-text-align-center\" data-align=\"center\">Le CHF a gagn\u00e9 25% par rapport \u00e0 l&#8217;EUR<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">USD -&gt; EUR \/ <br> 1 USD = 0.82 EUR<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 USD = 0.96 EUR<\/td><td class=\"has-text-align-center\" data-align=\"center\">L&#8217;USD et l&#8217;EUR ont stabilis\u00e9 la valeur, mais l&#8217;EUR a l\u00e9g\u00e8rement d\u00e9valu\u00e9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un graphique comparatif des 3 monnaies selon le site zonebourse:<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904da00a54&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904da00a54\" class=\"wp-block-image aligncenter size-large has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"321\" data-attachment-id=\"24490\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/tableau-comparatif-usd-chf-eur\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur.png?fit=1152%2C617&amp;ssl=1\" data-orig-size=\"1152,617\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"tableau comparatif usd  chf  eur\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur.png?fit=600%2C321&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur-600x321.png?resize=600%2C321&#038;ssl=1\" alt=\"Investir \u00e0 l'\u00e9tranger : ce que le taux de change ne dit pas\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-24490\" style=\"border-width:6px;border-radius:22px\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur.png?resize=600%2C321&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur.png?resize=300%2C161&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur.png?resize=768%2C411&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur.png?resize=18%2C10&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/tableau-comparatif-usd-chf-eur.png?w=1152&amp;ssl=1 1152w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Noir = CHF -&gt; EUR<\/li>\n\n\n\n<li>Bleu = CHF -&gt; USD<\/li>\n\n\n\n<li>Rouge = EUR -&gt; USD<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7c73340519f09c99955335a133c8375b wp-block-paragraph\"><strong>Nous concluons que :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De 2015 \u00e0 2024, le CHF a gagn\u00e9 environ 10% par rapport au dollar US.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De 2015 \u00e0 2024, le CHF a gagn\u00e9 environ 25% par rapport \u00e0 EUR.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De 2015 \u00e0 2024, l&#8217;Eur a perdu environ 15% de la valeur face au Dollar US<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9sum\u00e9, entre les 3 monnaies, nous pouvons conclure que l&#8217;EUR est clairement la monnaie qui a perdu le plus de valeur, tandis que le CHF est celle qui a gagn\u00e9 le plus de valeur !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-0ef35c05c9f346b685e9a38d156c841a\"><span class=\"ez-toc-section\" id=\"Pourquoi_il_y_a_des_actionnaires_avec_plusieurs_devises\"><\/span>Pourquoi il y a des actionnaires avec plusieurs devises?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-cb3901e8eea944c2f1e555267875b71c wp-block-paragraph\">\ud83d\udc49 <strong>Afin de stabiliser la valeur moyenne de leur portefeuille boursier !<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904da01c36&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904da01c36\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1253\" height=\"1253\" data-attachment-id=\"24519\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-8370389-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?fit=1253%2C1253&amp;ssl=1\" data-orig-size=\"1253,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by RDNE Stock project on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/silver-and-gold-round-coins-8370389\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;silver and gold round coins&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-8370389\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by RDNE Stock project on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/silver-and-gold-round-coins-8370389\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=1253%2C1253&#038;ssl=1\" alt=\"silver and gold round coins - Investir \u00e0 l'\u00e9tranger : ce que le taux de change ne dit pas\" class=\"wp-image-24519\" style=\"aspect-ratio:1.486046999580361;width:96px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?w=1253&amp;ssl=1 1253w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-43bf198bb48c6c411972e3a8ac0b7a2a\"><span class=\"ez-toc-section\" id=\"Exemple_entre_2_actionnaires_francais\"><\/span>Exemple entre 2 actionnaires fran\u00e7ais<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-4a3cc7a3a1c94e079241ab056ab19865 wp-block-paragraph\">Par exemple, voici 2 actionnaires, Paul et Jaquier. Notons que ce sont 2 actionnaires qui r\u00e9sident en France.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Jaquier investit 100 % de son argent dans un ETF CAC 40 qui suit les 40 principales actions fran\u00e7aises, tandis que Jaquier mixe ses investissements entre un ETF CAC 40 et un ETF global (c&#8217;est un ETF mondial avec plus de 9 000 actions dans le monde).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici la repartition des ETF de Jaquier :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25% = ETF investissement national d&#8217;actions fran\u00e7aises (CAC40)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>75% = ETF investissement global (VT)<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici la r\u00e9partition de l&#8217;investissement de chaque actionnaire (valeurs approximatives!):<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Paul<\/th><th class=\"has-text-align-center\" data-align=\"center\">Jaquier<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en France<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<br>(ETF Cac40)<\/td><td class=\"has-text-align-center\" data-align=\"center\">27%<br>(ETF Cac40+ ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement aux USA<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">55%<br>(ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en Europe hors France<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">12%<br>(ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement hors Europe et hors USA<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6%<br>(ETF VT)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si on analyse les monnaies investies, voici approximativement le pourcentage de chaque devise:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Paul<\/th><th class=\"has-text-align-center\" data-align=\"center\">Jaquier<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en EUR<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<br>(ETF Cac40)<\/td><td class=\"has-text-align-center\" data-align=\"center\">35%<br>(ETF Cac40 + ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">55%<br>(ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement autres devises<br>(par exemple, CHF, livre sterling, real br\u00e9silien)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<br>(ETF VT)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne le rendement, voici le rendement cumulatif des 2 ETF:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF CAC 40 Amundi = + 125%<\/li>\n\n\n\n<li>ETF VT Vanguard = + 145%<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-49084f21c399d6d96a04b343a9b8e77b\"><strong>Nous concluons que le portefeuille boursier de Jaquier est bien plus vari\u00e9, rentable et plus diversifi\u00e9 que celui de Paul.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De plus, si on compare entre 2015 \u00e0 2024, Jaquier a gagn\u00e9 en 2 aspects comparativement \u00e0 Paul:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>L&#8217;ETF VT a \u00e9t\u00e9 plus rentable qu&#8217;un ETF Cac40<\/li>\n\n\n\n<li>L&#8217;ETF VT est moins soumis \u00e0 l&#8217;EUR (qui a perdu beaucoup de valeur)<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9a1703937a242cca04ce1dd9bd0f5ff0 wp-block-paragraph\">\ud83d\udc49 <strong>De ce fait, le portefeuille boursier de Paul est tr\u00e8s d\u00e9pendant de la France et de l&#8217;EUR, tandis que le portefeuille de Jaquier est plus vari\u00e9 et diversifi\u00e9. De plus, Jaquier a obtenu un meilleur rendement pendant la p\u00e9riode compar\u00e9e<\/strong> !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-c8fbb7e6686309661c8d9f92d20e78d8\"><span class=\"ez-toc-section\" id=\"Exemple_entre_2_actionnaires_suisses\"><\/span>Exemple entre 2 actionnaires suisses<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu r\u00e9sides en Suisse, tu voudras analyser 2 actionnaires suisses.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un exemple avec Luca, qui investi 100% de son argent dans un ETF d&#8217;actions suisses, et Olive, qui a un portefeuille boursier de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> 75% dans un ETF mondial (VT)<\/li>\n\n\n\n<li> 25% dans un ETF d&#8217;actions suisses  (CHSPI):<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici la r\u00e9partition de l&#8217;investissement de chaque actionnaire (valeurs approximatives!):<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Luca<\/th><th class=\"has-text-align-center\" data-align=\"center\">Olive<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en Suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<br>(ETF SPI)<\/td><td class=\"has-text-align-center\" data-align=\"center\">27%<br>(ETF SPI + ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement aux USA<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">55%<br>(ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en Europe hors Suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">12%<br>(ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement hors Europe et hors USA<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6%<br>(ETF VT)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si on analyse les monnaies investies, voici approximativement le pourcentage de chaque devise:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Luca<\/th><th class=\"has-text-align-center\" data-align=\"center\">Olive<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<br>(ETF SPI)<\/td><td class=\"has-text-align-center\" data-align=\"center\">27%<br>(ETF SPI + ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">55%<br>(ETF VT)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement autres devises<br>(par exemple, EUR, livre sterling, real br\u00e9silien)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">11%<br>(ETF VT)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne le rendement, voici le rendement cumulatif des 2 ETF:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF SPI iShares = + 75%<\/li>\n\n\n\n<li>ETF VT Vanguard = + 145%<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3a7d768b5dd5420b9d626e80c6a0cf89 wp-block-paragraph\">\ud83d\udc49 <strong>De ce fait, nous concluons que d\u00e9tenir un portefeuille boursier avec plusieurs monnaies et plusieurs pays d&#8217;investissement permet de stabiliser la valeur du portefeuille et d&#8217;avoir une meilleure diversification. De plus, le rendement est historiquement meilleur !<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-cba22d4c64893b6a52af952d122043f7\"><span class=\"ez-toc-section\" id=\"Marche_boursier_US_VS_marche_boursier_francais_VS_marche_boursier_suisse\"><\/span>March\u00e9 boursier US VS march\u00e9 boursier fran\u00e7ais VS march\u00e9 boursier suisse<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La majorit\u00e9 des actionnaires ont un portefeuille boursier majoritairement US.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est normal car la majorit\u00e9 des actions rentables sont US.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, si je compare le rendement des 4 march\u00e9s boursiers les plus r\u00e9put\u00e9s pour les lecteurs de ce blog, le march\u00e9 boursier US est de loin le plus int\u00e9ressant:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">March\u00e9 boursier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Exemple d&#8217;ETF <\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement ao\u00fbt 2015 \u00e0 ao\u00fbt 2025<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">USA (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Vanguard Voo<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 289%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Fran\u00e7ais (Cac40)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Xtrackers Cac40<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 120%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Suisse (SMI20)<\/td><td class=\"has-text-align-center\" data-align=\"center\">iShares SMI CHSPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">+89% <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF Global<\/td><td class=\"has-text-align-center\" data-align=\"center\">VT de Vanguard<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 145%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici l&#8217;ordre par rendement:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>SP500 = 289% en dollars<\/li>\n\n\n\n<li>ETF Global = 145% en dollars<\/li>\n\n\n\n<li>Xtrackers 40 (Cac40) = 120% en Euros<\/li>\n\n\n\n<li>SMI = 89% en CHF<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7daa11dabf37b9d29597bdfc9f2f5dee wp-block-paragraph\">\ud83d\udc49 <strong>Nous concluons que le march\u00e9 boursier US est bien plus rentable que le march\u00e9 boursier fran\u00e7ais, le march\u00e9 boursier suisse ou le march\u00e9 boursier global !<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De plus, notons que la march\u00e9 boursier mondial a \u00e9t\u00e9 plus rentable que le march\u00e9 boursier fran\u00e7ais ou le march\u00e9 boursier suisse.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Je pense que tu comprends mieux pourquoi dans les r\u00e9seaux sociaux, on parle souvent de la rentabilit\u00e9 du march\u00e9 boursier am\u00e9ricain (US) \ud83e\udd2d<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-8e77ec0fbd4a111a1ee1356c9ca2c42a\"><span class=\"ez-toc-section\" id=\"FIRE_aux_USA_nest_pas_egal_FIRE_en_Suisse_ou_en_France\"><\/span>FIRE aux USA n&#8217;est pas \u00e9gal FIRE en Suisse ou en France<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904da071b8&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904da071b8\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" data-attachment-id=\"24521\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/pexels-photo-164652-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Pixabay on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/grey-metal-case-of-hundred-dollar-bills-164652\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;grey metal case of hundred dollar bills&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-164652\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Pixabay on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/grey-metal-case-of-hundred-dollar-bills-164652\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=1880%2C1253&#038;ssl=1\" alt=\"grey metal case of hundred dollar bills - Investir \u00e0 l'\u00e9tranger : ce que le taux de change ne dit pas\" class=\"wp-image-24521\" style=\"aspect-ratio:1.486046999580361;width:142px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-164652.jpeg?resize=1320%2C880&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Beaucoup d&#8217;actionnaires ont un portefeuille boursier 100% US.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, notons qu&#8217;un portefeuille 100% US pour un r\u00e9sident am\u00e9ricain (USA) n&#8217;a pas la m\u00eame signification comparativement \u00e0 un r\u00e9sident europ\u00e9en avec un portefeuille 100% US.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9dc5b6781d764f012bf9e6c7029c6d3b\"><strong>Exemple<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, imaginons Joe, qui habite au Cleveland aux USA, et Fran\u00e7ois, qui habite \u00e0 Lausanne en Suisse.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Imaginons que les deux actionnaires ont un portefeuille boursier de 600&#8217;000 USD dans un ETF SP500 (march\u00e9 boursier US).<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u00c0 premi\u00e8re vue, nous pouvons croire que les deux actionnaires ont les m\u00eames possibilit\u00e9s de devenir ind\u00e9pendants financi\u00e8rement. Mais pas du tout! Pour 2 raisons:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-fe2cd9e2ee2b3f2c20309b3974e03c08\"><strong>Le co\u00fbt de la vie dans la r\u00e9gion<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon un article<sup><a href=\"https:\/\/www.courrierinternational.com\/article\/classement-les-villes-les-plus-abordables-aux-etats-unis_226508\">1<\/a><\/sup>, il est possible de vivre \u00e0 Cleveland (USA) avec 2&#8217;000 dollars US (environ 1&#8217;600 CHF) par mois. De ce fait, si Joe applique la r\u00e8gle des 4%, Joe n&#8217;a besoin &#8221;que&#8221; de 600&#8217;000 USD dans son ETF SP500 pour devenir libre financi\u00e8rement.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tandis que Fran\u00e7ois qui habite \u00e0 Lausanne, il sera tr\u00e8s difficilement FIRE avec moins de 3&#8217;200 CHF par mois (environ 4&#8217;000 USD). De ce fait, s&#8217;il applique la r\u00e8gle des 4%, Fran\u00e7ois a besoin de plus de 1&#8217;200&#8217;000 USD dans son ETF SP500 pour devenir libre financi\u00e8rement.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Nous concluons que la r\u00e9gion de r\u00e9sidence est determinante pour \u00eatre FIRE. Dans ce cas, Fran\u00e7ois a besoin du double d&#8217;argent comparativement \u00e0 Joe. Bien qu&#8217;il poss\u00e8de la m\u00eame fortune.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-14a07657899b5bf62fabd3f37fa73322 wp-block-paragraph\">       <strong>   2. Le taux de change<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Il ne faut pas oublier qu&#8217;\u00e0 l&#8217;heure o\u00f9 j&#8217;\u00e9cris cet article, 600&#8217;000 USD ne signifie pas 600&#8217;000 CHF. En effet, actuellement, le CHF est plus fort que l&#8217;USD !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Au moment o\u00f9 j&#8217;\u00e9cris ces lignes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joe = 600&#8217;000 USD<\/li>\n\n\n\n<li>Fran\u00e7ois = 600&#8217;000 USD = 482&#8217;750 CHF<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans cet exemple, nous concluons qu&#8217;une fois la conversion de devise effectu\u00e9e, Fran\u00e7ois n&#8217;a m\u00eame pas 500&#8217;000 CHF dans son ETF US. Ce qui l&#8217;\u00e9loigne encore plus de son objectif FIRE.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-497e22d539e6d37731caec277180d600\"><strong>En conclusion, dans cette situation, Fran\u00e7ois a 3 aspects qui lui sont d\u00e9favorables :<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">1) Il habite dans une r\u00e9gion plus ch\u00e8re que Joe<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2) Son portefeuille est en USD et l&#8217;USD a moins de valeur que le CHF (le CHF est la monnaie de son pays de r\u00e9sidence)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3) Depuis 2006 jusqu&#8217;en 2024, l&#8217;USD a perdu de la valeur par rapport au CHF<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-69d265fec444ec04c5f29e7033ee3b3f\"><span class=\"ez-toc-section\" id=\"Faut-il_avoir_un_investissement_uniquement_dans_la_devise_de_son_pays\"><\/span>Faut-il avoir un investissement uniquement dans la devise de son pays?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-466c2fddc8c046c8c1e7304f3c0d5340 wp-block-paragraph\">\ud83d\udc49 <strong>Non pas obligatoirement. Le plus important se sont des rendement \u00e9lev\u00e9s !<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour donner un exemple de la Suisse, selon mes connaissances, je ne connais aucun investissement suisse aussi diversifi\u00e9, passif et avec un historique de rendement aussi rentable comparativement au SP500.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, au moment o\u00f9 j&#8217;\u00e9cris ces lignes, le ETF SP500 VOO a gagn\u00e9 13,6% annualis\u00e9 (en USD) en 10 ans. Cela signifie + de 240% en 10 ans !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si on convertit 13,6% annualis\u00e9 de dollar US en CHF. On obtient 11% annualis\u00e9 en CHF (\u00e0 l&#8217;heure o\u00f9 j&#8217;\u00e9cris cet article) !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Connais-tu un investissement passif suisse ou europ\u00e9en qui a un historique de rendement sup\u00e9rieur \u00e0 11% par ann\u00e9e (ou plus de 200% en 10 ans) entre 2015 \u00e0 2024? Pour une gestion de seulement 5 minutes par mois?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cependant, \u00e0 noter que dans le cas de la Suisse, ces derni\u00e8res ann\u00e9es, il y a une d\u00e9pr\u00e9ciation du Dollar US face au Franc Suisse.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-69ead20c8190f43e860aba7ee758a95d\"><span class=\"ez-toc-section\" id=\"Devalorisation_du_Dollar_US_face_au_CHF_VS_Le_rendement_dun_SP500\"><\/span>D\u00e9valorisation du Dollar US face au CHF VS Le rendement d&#8217;un SP500<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904da08b24&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904da08b24\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"24513\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/taux-de-change-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"taux de change 3\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=600%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-24513\" style=\"width:130px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/taux-de-change-3.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pendant la p\u00e9riode que j&#8217;ai analys\u00e9 (2015-2024), le SP500 (march\u00e9 boursier US) a gagn\u00e9 242% en 10 ans. Si on converti le rendement en CHF, le r\u00e9sultat est de 194%.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour la m\u00eame p\u00e9riode, le CHF a gagn\u00e9 11% par rapport \u00e0 l&#8217;USD.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Nous concluons ainsi, que la bourse am\u00e9ricaine a gagn\u00e9 183% en 10 ans (converti en CHF).<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement en 10 ans <\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (500 actions am\u00e9ricaines)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 194%<br>(converti en CHF)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Perte du Dollar US face au CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211; 11%<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement brut total<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 183%<\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 De ce fait, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffbe3\" class=\"has-inline-color\">m\u00eame avec la d\u00e9valorisation de l&#8217;USD face au CHF, le march\u00e9 boursier am\u00e9ricain reste un investissement avec un excellent rendement !<\/mark><\/strong> <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En tous cas, je ne connais pas un rendement passif avec plus de 183% en 10 ans en Suisse ou en Europe.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-8bf9ebc62d1ef42eeb755e74774cba23\"><span class=\"ez-toc-section\" id=\"La_valeur_USD_-%3E_EUR_VS_Le_rendement_dun_SP500\"><\/span>La valeur USD -&gt; EUR VS Le rendement d&#8217;un SP500<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour un r\u00e9sident en Europe avec l&#8217;EUR comme devise, voici la m\u00eame comparaison mais avec l&#8217;EUR comme devise compar\u00e9e:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement en 10 ans <\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (500 actions am\u00e9ricaines)<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 207%<br>(converti en EUR)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Gain du Dollar US face \u00e0 l&#8217;EUR<\/td><td class=\"has-text-align-center\" data-align=\"center\">+15%<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\">Total rendement<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 222%<\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans ce cas, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fdfadf\" class=\"has-inline-color\">les pays avec l&#8217;euro qui ont investi aux USA ont gagn\u00e9 plus de rendement qu&#8217;un actionnaire suisse.<\/mark><\/strong> Pour 2 raisons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le Dollar a augment\u00e9 de valeur face \u00e0 l&#8217;EUR, tandis que l&#8217;USD a perdu de la valeur face au CHF<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le taux de change USD-&gt;EUR est moins impactant que le taux de change USD-&gt;CHF<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, il est \u00e0 noter que je comprends que certains investisseurs souhaitent \u00e9quilibrer leur patrimoine financier avec un investissement local ou un investissement regional.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-10dd46e12db087c886bf90f04cc4ae3a\"><span class=\"ez-toc-section\" id=\"Faut-il_investir_dans_sa_region\"><\/span>Faut-il investir dans sa r\u00e9gion?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904da0b0a9&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904da0b0a9\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"24515\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/suisse-europe\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Suisse europe\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe-600x600.png?resize=600%2C600&#038;ssl=1\" alt=\"Investir \u00e0 l'\u00e9tranger : ce que le taux de change ne dit pas. Europe VS Suisse\n\" class=\"wp-image-24515\" style=\"width:85px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ce n&#8217;est pas une obligation, mais il est pr\u00e9f\u00e9rable, \u00e0 cause de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La stabilisation du taux de change<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investir au niveau local<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, investir dans son pays ou sa r\u00e9gion permet de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00catre moins soumis au taux de change<\/li>\n\n\n\n<li>D&#8217;aider l&#8217;\u00e9conomie locale (en th\u00e9orie)<\/li>\n\n\n\n<li>Cr\u00e9er des emplois dans ton pays de r\u00e9sidence (en th\u00e9orie)<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, pour un actionnaire r\u00e9sidant en Suisse, pourquoi ne pas d\u00e9tenir un pourcentage de son patrimoine financier en Franc suisse ? <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne un r\u00e9sident fran\u00e7ais, pourquoi ne pas d\u00e9tenir un pourcentage de son investissement en Euro ?<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-51df9b500c27648448936194c01e0f49\"><span class=\"ez-toc-section\" id=\"Quel_est_le_pourcentage_ideal_afin_dinvestir_dans_la_monnaie_de_son_pays\"><\/span>Quel est le pourcentage id\u00e9al afin d&#8217;investir dans la monnaie de son pays?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904da0bbef&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904da0bbef\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"24515\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/suisse-europe\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Suisse europe\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe-600x600.png?resize=600%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-24515\" style=\"width:85px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/Suisse-europe.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon avis, pour un habitant en Europe ou en Suisse, voici le pourcentage que j&#8217;investirais dans la monnaie de mon pays :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3d5cda9ae1810a18fbf814557f29678b\"><strong>Suisse avec le CHF = 15%<\/strong><\/li>\n\n\n\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-155f4de7734686b373511c9713577ee0\"><strong>Pays avec L&#8217;Euro = 15%<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Le reste du pourcentage, j&#8217;investirai simplement dans un ETF S&amp;P 500 ou un ETF global.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f321c24b3ac1d8853d86f7b213c82730\"><strong>ETF SP500 ou ETF Global = 85%<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-a93f042ceda5d4b8afac183d1ac17c6c wp-block-paragraph\">\ud83d\udc49<strong> Selon mon opinion. Voici un exemple de portfolio boursier \u00e0 d\u00e9tenir:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--9\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage dans un ETF SP500<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage dans un investissement local (Suisse ou Europe)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Suisse <\/td><td class=\"has-text-align-center\" data-align=\"center\">85%<br>(ETF SP500 ou ETF Global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">15%<br>(Investissement suisse)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Europe<\/td><td class=\"has-text-align-center\" data-align=\"center\">85%<br>(ETF SP500 ou ETF Global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">15%<br>(Investissement europ\u00e9en)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Il est \u00e0 noter qu&#8217;il ne faut pas obligatoirement un investissement boursier pour investir au niveau local. Par exemple, si tu ach\u00e8tes ton logement principal ou tu as un compte-\u00e9pargne, cela contribue d\u00e9j\u00e0 aux 15% d&#8217;investissement local !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-67370c165b068d4426281fc88938e05b\"><span class=\"ez-toc-section\" id=\"Quels_investissements_regionaux_proposes-tu_pour_equilibrer_les_devises_pour_un_resident_en_Europe\"><\/span>Quels investissements r\u00e9gionaux proposes-tu pour \u00e9quilibrer les devises pour un r\u00e9sident en Europe?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon opinion, cela d\u00e9pendra si tu r\u00e9sides dans un pays avec l&#8217;EURO ou en Suisse avec le Franc suisse.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici comment j&#8217;investirai pour chaque r\u00e9sident (ce n&#8217;est pas un conseil d&#8217;investissement).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-pale-pink-color has-text-color has-link-color wp-elements-3f6d7bc0e5edaf871470739f32518e32\"><strong>R\u00e9sident en Europe avec l&#8217;EUR comme devise <\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu r\u00e9sides dans un pays avec l&#8217;EUR, dans ce cas, il y a 2 investissements que je consid\u00e8re int\u00e9ressant:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2a2486fdc2bcb31bba8bf24f6b1970c5\"><strong>SCPI Europ\u00e9enne<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Afin d&#8217;investir dans de l&#8217;immobilier passif dans divers pays europ\u00e9ens<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-c50a67061e649258c853310f99efacb6\"><strong>ETF STOXX 600<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Afin d&#8217;investir dans les principales 600 actions europ\u00e9ennes<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un tableau avec un r\u00e9sum\u00e9 de chaque placement:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--10\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">SCPI Europ\u00e9ene<\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF STOXX 600<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Description rapide<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement dans divers biens immobiliers en l&#8217;Europe, d&#8217;une mani\u00e8re passive<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement dans les 600 principales actions europ\u00e9ennes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 brut<br>(Selon donn\u00e9es pass\u00e9es)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7-10%<br>(avec les meilleures SCPI)<\/td><td class=\"has-text-align-center\" data-align=\"center\">6%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais <\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9s<br>(estimation 10%-15%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Raisonnables<br>(Estimation 0,5%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4t<\/td><td class=\"has-text-align-center\" data-align=\"center\">Selon SCPI et selon la fiscalit\u00e9 de ton pays de r\u00e9sidence<\/td><td class=\"has-text-align-center\" data-align=\"center\">Selon la fiscalit\u00e9 de ton pays de r\u00e9sidence<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement net annualis\u00e9 (Estimation)<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>4-7%<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>4-5%<\/strong><\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-pale-pink-color has-text-color has-link-color wp-elements-29da52642a19fdc50b002b65db6251ee\"><strong>R\u00e9sident en Suisse avec le CHF comme devise <\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En Suisse, il y a 2 investissements que je consid\u00e8re int\u00e9ressant:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9ba97c3328441a76f199e6e6179cded2\"><strong>3a Global 100<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Afin d&#8217;investir dans des actions suisses et mondiales + \u00e9conomiser des centaines de CHF en imp\u00f4ts.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-0d49e2d0ad8b0ec1aeb924d4ca5176d5\"><strong>3a Suisse 100 <\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Afin d&#8217;investir dans des actions suisses + \u00e9conomiser des centaines de CHF en imp\u00f4ts.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un tableau avec un r\u00e9sum\u00e9 de chaque placement:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--11\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">3a Global 100<\/th><th class=\"has-text-align-center\" data-align=\"center\">3a 100 Suisse<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Description rapide<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement dans des actions mondiales et suisses<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement dans des actions suisses<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement en Suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investissement dans le monde (hors Suisse)<\/td><td class=\"has-text-align-center\" data-align=\"center\">60%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 brut<br>(selon donn\u00e9es pass\u00e9es)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais de gestion<\/td><td class=\"has-text-align-center\" data-align=\"center\">0,4%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0,4%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4ts<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bonne fiscalit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bonne fiscalit\u00e9<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement net annualis\u00e9 (Estimation)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,5%<\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-690b91a13c8ae1157f8f4aaaeda827e4\"><span class=\"ez-toc-section\" id=\"Exemple_investissement\"><\/span>Exemple investissement<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un exemple de portefeuille d&#8217;investissement &#8221;agressif&#8221; pour un r\u00e9sident suisse et un r\u00e9sident fran\u00e7ais (pas un conseil d&#8217;investissement! )<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--12\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Exemple d&#8217;investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement brut pr\u00e9vu en CHF approximatif<br>(Selon donn\u00e9es pass\u00e9es)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9sident suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">85% = ETF SP500<br>15% = 3a Suisse 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">9-10% par ann\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9sident en France<\/td><td class=\"has-text-align-center\" data-align=\"center\">85% = ETF SP500<br>15% = SCPI Europ\u00e9enne<\/td><td class=\"has-text-align-center\" data-align=\"center\">9-10% par ann\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu souhaites investir d&#8217;une mani\u00e8re plus &#8221;d\u00e9fensive&#8221;, voici un exemple de patrimoine financier (pas un conseil d&#8217;investissement):<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--13\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Exemple d&#8217;investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement brut pr\u00e9vu en CHF approximatif<br>(Selon donn\u00e9es pass\u00e9es)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9sident suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">60% = ETF SP500<br>25% = 3a Global 100<br>15% = 3a 100% liquidit\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">5-6% par ann\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9sident en France<\/td><td class=\"has-text-align-center\" data-align=\"center\">60% = ETF SP500<br>25% = SCPI <br>15% = Livret A en France<\/td><td class=\"has-text-align-center\" data-align=\"center\">5-6% par ann\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5b3e7becedcd9e6e1d6ec0e0f3606d52\"><span class=\"ez-toc-section\" id=\"Limportance_des_frais_de_conversion\"><\/span>L&#8217;importance des frais de conversion<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a5904da109ea&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a5904da109ea\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" data-attachment-id=\"24517\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/pexels-photo-8370389\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by RDNE Stock project on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/silver-and-gold-round-coins-8370389\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;silver and gold round coins&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-8370389\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by RDNE Stock project on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/silver-and-gold-round-coins-8370389\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=1880%2C1253&#038;ssl=1\" alt=\"silver and gold round coins - Investir \u00e0 l'\u00e9tranger : ce que le taux de change ne dit pas\" class=\"wp-image-24517\" style=\"aspect-ratio:1.486046999580361;width:168px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/09\/pexels-photo-8370389.jpeg?resize=1320%2C880&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour un r\u00e9sident en Europe (Suisse y compris), il est tr\u00e8s probable qu&#8217;une partie de son patrimoine boursier soit investi dans une monnaie \u00e9trang\u00e8re.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 De ce fait, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fef6da\" class=\"has-inline-color\">il est important que les frais de conversion soient le plus bas possibles<\/mark><\/strong> !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour donner mon exemple, la majorit\u00e9 des ETF dans lesquels j&#8217;investis sont en USD. De ce fait, je me suis fix\u00e9 comme limite un compte boursier qui prend au maximum 0,25 % en frais de conversion CHF -&gt; USD.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-69bae3e913c020e6d63dceaf844c6f75\"><strong>Commission maximale pour un frais de conversion de monnaie = 0,25%<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, je n&#8217;ai pas envie que mes rendements \u00e9lev\u00e9s avec un ETF US soient mang\u00e9s par un taux de change tr\u00e8s d\u00e9favorable !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-1d84ba522b4a7224f3d6af7255413f56\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Avant de r\u00e9aliser un placement financier, l&#8217;investisseur doit analyser 3 aspects:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Si l&#8217;investisseur investit dans la monnaie de son pays<\/li>\n\n\n\n<li>Si la monnaie est \u00e9trang\u00e8re, contr\u00f4ler le taux de change<\/li>\n\n\n\n<li>Si l&#8217;investissement investit dans son pays<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu r\u00e9sides aux \u00c9tats-Unis, dans ce cas, un investissement aux \u00c9tats-Unis avec l&#8217;USD est pr\u00e9f\u00e9rable.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-668fb436f7115e3ba7d1fd108df02259 wp-block-paragraph\"><strong>Par contre, si tu r\u00e9sides hors USA, voici comment je pense qu&#8217;il est pr\u00e9f\u00e9rable de diversifier ton patrimoine financer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>85% = ETF SP500 ou ETF Global<\/li>\n\n\n\n<li>15% = Investissement dans la monnaie de son pays de r\u00e9sidence<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne les lecteurs de ce blog, ce sont principalement des lecteurs suisses et europ\u00e9ens. <\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f5e6daecae7268714fd7437cfd20fe11 wp-block-paragraph\"><strong>De ce fait, pour les 15% d&#8217;investissement local, je propose 2 investissements selon le pays de r\u00e9sidence:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Suisse = 3a global 100 ou 3a suisse 100<\/li>\n\n\n\n<li>Pays europ\u00e9en avec l&#8217;EURO = SCPI Europ\u00e9enne ou ETF Stoxx 600<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une fois que tu auras acquis une fortune consid\u00e9rable, il ne faut pas oublier de convertir ta fortune dans la monnaie de ton pays !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, pour un actionnaire qui r\u00e9side en Suisse et qui d\u00e9tient 600&#8217;000 USD dans un ETF SP500. En r\u00e9alit\u00e9, apr\u00e8s la conversion, il ne d\u00e9tient m\u00eame pas 500&#8217;000 CHF.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons qu&#8217;il est important de prendre aussi en compte les frais de conversion. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, si tu invests \u00e0 l&#8217;\u00e9tranger, choisis une banque ou un compte de trading avec des frais de conversion raisonnables pour ne pas perdre trop d&#8217;argent en commissions.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-4e7490c3784dc1234616625e92f90320 wp-block-paragraph\"><strong>Selon mon opinion, 0,25% est la commission maximale qu&#8217;un compte boursier doit exig\u00e9 pour les frais de conversion<\/strong> !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-544a4ea56bd23a547b08e65a1f89aeeb\"><span class=\"ez-toc-section\" id=\"7_points_cles_de_cet_article\"><\/span>7 points cl\u00e9s de cet article<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-da0603950f239c1e344180f0d107939a wp-block-paragraph\"><strong>Voici un tableau afin de conclure les 7 points cl\u00e9s de cet article selon mon opinion :<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--14\" style=\"font-size:0.8rem\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1) &#8211; Investir 85% dans un ETF SP500 ou un ETF Global<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2) &#8211; Investir au moins 15% de son patrimoine dans un investissement de son pays (ou alors, dans un investissement avec la m\u00eame monnaie)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3) &#8211; Un achat immobilier dans ta r\u00e9gion ou un compte-\u00e9pargne contribuent dans le 15% de patrimoine dans un investissement local<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4) &#8211; Pour un r\u00e9sident suisse, comme investissement national, j&#8217;aime le 3a suisse 100 ou le 3a global 100<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5) &#8211; Pour un r\u00e9sident europ\u00e9en, comme investissement r\u00e9gional, j&#8217;aime une SCPI Europ\u00e9enne ou un ETF STOXX 600<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">6) &#8211; Ne pas oublier de convertir sa fortune selon les devises investies<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">7) &#8211; La commission concernant le taux de change doit \u00eatre de maximum 0,25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-7c2f2793cd040700fd4547c452d16bb1 wp-block-paragraph\"><strong>Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas<\/strong><\/p>\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=24075\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-77b97fe5 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/les-5-erreurs-a-eviter-quand-on-debute-en-bourse\/\">Les 5 erreurs \u00e0 \u00e9viter quand on d\u00e9bute en bourse<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-en-bourse-le-guide-complet-pour-debutant-en-7-etapes\/\">Comment investir en bourse ? Le guide complet pour d\u00e9butant en 7 \u00e9tapes<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-inflation-influence-richesse\/\">Comment l&#8217;Inflation influence ta richesse?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-annees-atteindre-liberte-financiere-fire\/\">Combien d&#8217;ann\u00e9es pour atteindre sa libert\u00e9 financi\u00e8re FIRE?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/\">R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3f93acef4b70ccc4ca10ffce460f03fd wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>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-5daf2f135bed92bf2dd6844d889bcc42\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<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\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How Exchange Rate Fluctuations Can Impact Your Returns! Investing Abroad: What the Exchange Rate Doesn&#039;t Tell You<\/p>","protected":false},"author":215552267,"featured_media":24511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","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":[728544988,728542890,728542882,728543231,728542836,728544983,728544987,728544986,728542879,728544981,728544979,728544990,728544982,728544989,728542837,728542815,728544976,728544978,728544977,728542919,728544985,728544016,728544984],"class_list":["post-24075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-3a-et-conversion-de-monnaie","tag-article","tag-blog","tag-chf","tag-comment","tag-comment-le-taux-de-change-influence","tag-convertir-la-monnaie","tag-convertir-les-devises","tag-diversifier","tag-dollar-us","tag-euro","tag-frais-de-conversion","tag-franc-suisse","tag-importance-taux-de-conversion","tag-investir","tag-investissement","tag-investissement-etranger","tag-investissement-us-pour-un-europeen","tag-investissement-us-pour-un-suisse","tag-minimalistefrugaliste","tag-rendement-usd-chf","tag-taux-de-change","tag-taux-de-change-et-rendement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investir \u00e0 l&#039;\u00e9tranger : ce que le taux de change ne dit pas - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Comment les fluctuations des taux de change peuvent impacter tes rendements! 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