{"id":25774,"date":"2025-12-23T08:51:08","date_gmt":"2025-12-23T07:51:08","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=25774"},"modified":"2026-05-22T08:34:15","modified_gmt":"2026-05-22T06:34:15","slug":"high-dividends-scpi-or-growth-etf-income-what-do-the-figures-really-say","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/","title":{"rendered":"High dividends from SCPI or growth ETF income: what do the figures really say?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-a48cf862a7d174303eccc084d9cb3503 wp-block-paragraph\"><strong>Les investisseurs sont souvent attir\u00e9s par les dividendes \u00e9lev\u00e9s ou par les rentes des SCPI. Pourtant, sur le long terme, ces strat\u00e9gies sont-elles vraiment plus rentables qu\u2019un ETF \u00e0 croissance ? Dans cet article, Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ? nous comparons objectivement SCPI, ETF \u00e0 dividendes et ETF \u00e0 croissance afin de d\u00e9terminer quelle strat\u00e9gie est la plus performante sur la dur\u00e9e.<\/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\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#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\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#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\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#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\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#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\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#ETF_a_Croissance_VS_Dividendes\" >ETF \u00e0 Croissance VS Dividendes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Les_differences_de_strategie_dinvestissement_entre_les_ETF_a_dividendes_eleves_les_SCPI_et_les_ETF_a_croissance\" >Les diff\u00e9rences de strat\u00e9gie d&#8217;investissement entre les ETF \u00e0 dividendes \u00e9lev\u00e9s, les SCPI et les ETF \u00e0 croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Les_strategies_pour_cet_article\" >Les strat\u00e9gies pour cet article<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#La_rentabilite_passee_ETF_a_dividendes_vs_ETF_de_croissance\" >La rentabilit\u00e9 pass\u00e9e : ETF \u00e0 dividendes vs ETF de croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Le_pourcentage_en_dividendes_et_le_pourcentage_en_croissance\" >Le pourcentage en dividendes et le pourcentage en croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#La_diversification_SCPI_ou_ETF_a_dividendes_VS_ETF_a_croissance\" >La diversification : SCPI ou ETF \u00e0 dividendes VS ETF \u00e0 croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Limposition_et_limpact_sur_le_placement\" >L&#8217;imposition et l&#8217;impact sur le placement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Volatilite_et_Stabilite_du_Rendement_SCPI_ou_ETF_a_dividendes_vs_ETF_a_croissance\" >Volatilit\u00e9 et Stabilit\u00e9 du Rendement : SCPI ou ETF \u00e0 dividendes vs ETF \u00e0 croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Commissions_a_lachat_et_a_la_vente\" >Commissions \u00e0 l&#8217;achat et \u00e0 la vente<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Simplicite_dinvestissement_SCPI_VS_ETF_a_dividendes_VS_ETF_a_croissance\" >Simplicit\u00e9 d&#8217;investissement : SCPI VS ETF \u00e0 dividendes VS ETF \u00e0 croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Quel_est_le_meilleur_investissement_pour_debuter\" >Quel est le meilleur investissement pour d\u00e9buter ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Dividendes_eleves_rente_SCPI_ou_ETF_a_croissance_que_disent_vraiment_les_chiffres\" >Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Conclusion_Dividendes_eleves_rente_SCPI_ou_ETF_a_croissance_que_disent_vraiment_les_chiffres\" >Conclusion : Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#A_retenir_de_cet_article\" >\u00c0 retenir de cet article !<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Dividendes_ou_croissance_que_disent_les_chiffres\" >Dividendes ou croissance : que disent les chiffres ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Dividendes_ou_croissance_Est-ce_possible_de_combiner_les_2_strategies\" >Dividendes ou croissance : Est-ce possible de combiner les 2 strat\u00e9gies?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#FAQ_IA_%E2%80%93_Dividendes_eleves_SCPI_ou_ETF_a_croissance\" >FAQ IA \u2013 Dividendes \u00e9lev\u00e9s, SCPI ou ETF \u00e0 croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#%F0%9F%94%B9ETF_a_croissance_ou_ETF_a_dividendes_lequel_est_le_plus_rentable\" >\ud83d\udd39ETF \u00e0 croissance ou ETF \u00e0 dividendes : lequel est le plus rentable ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#%F0%9F%94%B9_Pourquoi_les_dividendes_semblent_rassurants_mais_reduisent_la_performance\" >\ud83d\udd39 Pourquoi les dividendes semblent rassurants mais r\u00e9duisent la performance ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#%F0%9F%94%B9_Les_SCPI_sont-elles_moins_rentables_que_les_ETF\" >\ud83d\udd39 Les SCPI sont-elles moins rentables que les ETF ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#%F0%9F%94%B9_Peut-on_vivre_uniquement_de_dividendes\" >\ud83d\udd39 Peut-on vivre uniquement de dividendes ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#%F0%9F%94%B9_Pourquoi_les_ETF_a_croissance_sont-ils_fiscalement_plus_avantageux\" >\ud83d\udd39 Pourquoi les ETF \u00e0 croissance sont-ils fiscalement plus avantageux ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#%F0%9F%94%B9_Les_ETF_a_dividendes_sont-ils_inutiles\" >\ud83d\udd39 Les ETF \u00e0 dividendes sont-ils inutiles ?<\/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<h2 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-background has-link-color wp-elements-54dd5cc7866fbefa57da74696def2773\" style=\"background-color:#01039f\"><span class=\"ez-toc-section\" id=\"ETF_a_Croissance_VS_Dividendes\"><\/span><strong>ETF \u00e0 Croissance VS Dividende<\/strong>s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d14a1004&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d14a1004\" 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=\"25277\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-30572289-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" 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 Jakub Zerdzicki on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/analyzing-trading-data-on-digital-tablet-30572289\/\\&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;analyzing trading data on digital tablet&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-30572289\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Jakub Zerdzicki on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/analyzing-trading-data-on-digital-tablet-30572289\/&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\/12\/pexels-photo-30572289-edited-1.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\/12\/pexels-photo-30572289-edited-1.jpeg?resize=600%2C600&#038;ssl=1\" alt=\"analyzing trading data on digital tablet - Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?\" class=\"wp-image-25277\" style=\"width:97px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-30572289-edited-1.jpeg?w=867&amp;ssl=1 867w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-4942776da30a8ebdfc922b6a376cf60f wp-block-paragraph\" style=\"border-width:2px;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:20px;color:#feeafc\">\u26a0\ufe0f<strong> Les rendements pr\u00e9sent\u00e9s sont des moyennes historiques approximatives et peuvent varier selon les p\u00e9riodes. Investir comporte un risque de perte d&#8217;argent ! Cet article a une vocation p\u00e9dagogique et ne constitue pas un conseil en investissement.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5b489c5a44318e3a3ada037f06cf4283\"><span class=\"ez-toc-section\" id=\"Les_differences_de_strategie_dinvestissement_entre_les_ETF_a_dividendes_eleves_les_SCPI_et_les_ETF_a_croissance\"><\/span><strong>Les diff\u00e9rences de strat\u00e9gie d&#8217;investissement entre les ETF \u00e0 dividendes \u00e9lev\u00e9s, les SCPI et les ETF \u00e0 croissance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En premier lieu, il faut comprendre que <strong>les investisseurs qui placent leur argent dans un ETF \u00e0 dividendes \u00e9lev\u00e9s, dans une SCPI en pleine propri\u00e9t\u00e9 ou dans un ETF de croissance n&#8217;ont pas le m\u00eame objectif financier.<\/strong> Pour r\u00e9sumer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff6db\" class=\"has-inline-color\">SCPI ou ETF \u00e0 dividendes<\/mark><\/strong> = Dans ce cas, l&#8217;investisseur favorise une rente mensuelle \u00e9lev\u00e9e ou des dividendes \u00e9lev\u00e9s de mani\u00e8re r\u00e9guli\u00e8re. Son objectif est de gagner un revenu \u00e9lev\u00e9 mensuellement ou trimestriellement.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffce3\" class=\"has-inline-color\">ETF \u00e0 croissance<\/mark><\/strong> = Dans ce cas, l&#8217;investisseur favorise l&#8217;augmentation du capital de son patrimoine financier sur le long terme. Son objectif est de gagner plus d&#8217;argent comparativement \u00e0 une strat\u00e9gie de dividendes \u00e9lev\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9,<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#faf4d3\" class=\"has-inline-color\"> l&#8217;investisseur avec une SCPI ou un ETF \u00e0 dividendes veut des revenus r\u00e9guliers, tandis que l&#8217;investisseur qui choisit un ETF de croissance cherche \u00e0 faire augmenter son capital sur le long terme en accumulant les int\u00e9r\u00eats compos\u00e9s.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans cet article, Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ? Nous allons d\u00e9tailler les avantages et les inconv\u00e9nients d&#8217;investir dans chaque strat\u00e9gie d&#8217;investissement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-44a1f82b9cda4111e2ac5291d5e83774\"><span class=\"ez-toc-section\" id=\"Les_strategies_pour_cet_article\"><\/span>Les strat\u00e9gies pour cet article<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour cet article, j&#8217;ai s\u00e9lectionn\u00e9 comme strat\u00e9gie:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SCPI = Corum Origin<a href=\"https:\/\/www.corum.fr\/nos-scpi\/corum-origin\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF \u00e0 dividendes \u00e9lev\u00e9s = ETF VHYL<a href=\"https:\/\/www.it.vanguard\/professional\/prodotti\/etf\/azionario\/9506\/ftse-all-world-high-dividend-yield-ucits-etf-usd-distributing\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF \u00e0 croissance (mixte) = ETF SP500 (VOO)<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/voo\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF \u00e0 croissance (croissance \u00e9lev\u00e9e) = ETF Nasdaq 100 (QQQ)<a href=\"https:\/\/www.invesco.com\/qqq-etf\/en\/about.html\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Les strat\u00e9gies que j&#8217;ai s\u00e9lectionn\u00e9es ne sont pas des conseils d&#8217;investissement. En r\u00e9alit\u00e9, ce sont juste des exemples avec un historique de rendement int\u00e9ressant pour la cat\u00e9gorie d&#8217;investissement \ud83d\ude0e<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-63437972112406ce4f9541df6f72daf8\"><span class=\"ez-toc-section\" id=\"La_rentabilite_passee_ETF_a_dividendes_vs_ETF_de_croissance\"><\/span>La rentabilit\u00e9 pass\u00e9e : ETF \u00e0 dividendes vs ETF de croissance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d14a2e3b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d14a2e3b\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" data-attachment-id=\"25870\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?fit=1024%2C768&amp;ssl=1\" data-orig-size=\"1024,768\" 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=\"graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=1024%2C768&#038;ssl=1\" alt=\"Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?\" class=\"wp-image-25870\" style=\"aspect-ratio:1.324853473001621;width:192px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-rentabilite-passe-avec-des-graphiques-boursiers-au-fond.png?resize=200%2C150&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Il est \u00e0 noter que la rentabilit\u00e9 pass\u00e9e ne pr\u00e9dit pas le rendement futur.<\/strong> Cependant, il est naturel de s&#8217;informer concernant la rentabilit\u00e9 pass\u00e9e de chaque investissement.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un tableau afin de comprendre la rentabilit\u00e9 de chaque investissement de fin 2015 \u00e0 fin 2025:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color 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 annualis\u00e9 en USD 2015-2025<br>(approximatif)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI Corum Origin<\/td><td class=\"has-text-align-center\" data-align=\"center\">8% en Euros<br>(7.5% en USD)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">8,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">14,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">19.5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-48abc16c7250b8584e7880fecc49f07c wp-block-paragraph\"><strong>\ud83d\udc49 De ce fait, si on compare uniquement la rentabilit\u00e9 pure, <span style=\"text-decoration: underline;\">une strat\u00e9gie de croissance est sans doute la plus rentable sur le long terme<\/span> comparativement \u00e0 une strat\u00e9gie SCPI ou \u00e0 dividendes \u00e9lev\u00e9s.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-60d6f6694011bb23c1858ab6329bdd33\"><span class=\"ez-toc-section\" id=\"Le_pourcentage_en_dividendes_et_le_pourcentage_en_croissance\"><\/span>Le pourcentage en dividendes et le pourcentage en croissance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici en r\u00e9sum\u00e9 le pourcentage de chaque placement en analysant les dividendes re\u00e7us et la croissance :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">% annuel re\u00e7u en dividendes<\/th><th class=\"has-text-align-center\" data-align=\"center\">% annuel re\u00e7u en croissance<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 en USD 2015-2025<br>(valeurs approximatives)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI Corum Origin<\/td><td class=\"has-text-align-center\" data-align=\"center\">6%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8% en Euros<br>\/<br>(7.5% en USD)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">4%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,4%<\/td><td class=\"has-text-align-center\" data-align=\"center\">13,1%<\/td><td class=\"has-text-align-center\" data-align=\"center\">14,5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">19%<\/td><td class=\"has-text-align-center\" data-align=\"center\">19.5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6c74c4c3b1e5f0ec595f551beb035090 wp-block-paragraph\">\ud83d\udc49 <strong>Sans surprise, une SCPI et un ETF \u00e0 dividendes \u00e9lev\u00e9s distribuent des dividendes plus \u00e9lev\u00e9s qu&#8217;un ETF \u00e0 croissance. Cependant, un ETF \u00e0 croissance, bien qu&#8217;il distribue de petits dividendes, il a une rentabilit\u00e9 plus \u00e9lev\u00e9e sur une longue dur\u00e9e !<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-77d852777127d81318f03ab24eca6a85\"><span class=\"ez-toc-section\" id=\"La_diversification_SCPI_ou_ETF_a_dividendes_VS_ETF_a_croissance\"><\/span>La diversification : SCPI ou ETF \u00e0 dividendes VS ETF \u00e0 croissance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d14a6711&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d14a6711\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" data-attachment-id=\"25872\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/graphique-carte-monde\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?fit=1024%2C768&amp;ssl=1\" data-orig-size=\"1024,768\" 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=\"graphique-carte-monde\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=1024%2C768&#038;ssl=1\" alt=\"\" class=\"wp-image-25872\" style=\"aspect-ratio:1.324853473001621;width:149px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-carte-monde.png?resize=200%2C150&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne la diversification, bien que cela soit discutable, voici en r\u00e9sum\u00e9 les investissements de chaque placement financier :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI Europ\u00e9enne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investir dans des biens immobiliers, \u00e0 l&#8217;\u00e9chelle europ\u00e9enne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement en bourse, de mani\u00e8re diversifi\u00e9e et au niveau mondial<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement en bourse, de mani\u00e8re diversifi\u00e9e et uniquement au USA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissement en bourse, de mani\u00e8re diversifi\u00e9e et uniquement au USA<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici en r\u00e9sum\u00e9 le nombre de placements pour chaque investissement :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Placement vari\u00e9 ou sectoriel?<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion d&#8217;investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Nombre d&#8217;actions \/ placements immobiliers<br>(approximatif)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI Europ\u00e9enne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Uniquement dans le secteur immobilier<\/td><td class=\"has-text-align-center\" data-align=\"center\">Europe<\/td><td class=\"has-text-align-center\" data-align=\"center\">164<br>(Actifs immobiliers)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investir dans des milliers d&#8217;actions diversifi\u00e9es<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mondial<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&#8217;200<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investir dans 500 actions am\u00e9ricaines diversifi\u00e9es<\/td><td class=\"has-text-align-center\" data-align=\"center\">USA<\/td><td class=\"has-text-align-center\" data-align=\"center\">500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investir dans 100 actions am\u00e9ricaines diversifi\u00e9es<\/td><td class=\"has-text-align-center\" data-align=\"center\">USA<\/td><td class=\"has-text-align-center\" data-align=\"center\">100<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3c5fa6389629807767002da530f3dea8 wp-block-paragraph\">\ud83d\udc49 <strong>De ce fait, si l&#8217;on analyse uniquement la diversification, selon mon avis, voici l&#8217;ordre par investissement :<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>ETF VHYL<\/li>\n\n\n\n<li>ETF SP500 <\/li>\n\n\n\n<li>ETF Nasdaq<\/li>\n\n\n\n<li>SCPI<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-71febc378dd9a8195a5150fc33a36e97\"><span class=\"ez-toc-section\" id=\"Limposition_et_limpact_sur_le_placement\"><\/span>L&#8217;imposition et l&#8217;impact sur le placement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d14aa02d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d14aa02d\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" data-attachment-id=\"25877\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/graphique-simple-une-personne-qui-paye-des-impot\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?fit=1024%2C768&amp;ssl=1\" data-orig-size=\"1024,768\" 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=\"graphique-simple-une-personne-qui-paye-des-impot\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=1024%2C768&#038;ssl=1\" alt=\"Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?\" class=\"wp-image-25877\" style=\"aspect-ratio:1.324853473001621;width:126px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-une-personne-qui-paye-des-impot.png?resize=200%2C150&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Les imp\u00f4ts varient d&#8217;un pays \u00e0 l&#8217;autre. Mais en r\u00e9sum\u00e9, voici une estimation de combien un investisseur va payer par investissement :<\/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-f93683b49db267549fee2e909678d245\"><strong>SCPI<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SCPI fran\u00e7aise = Entre 30 \u00e0 47% d&#8217;imp\u00f4ts sur les rentes immobili\u00e8res<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SCPI Europ\u00e9enne (non fran\u00e7aise) =  Entre 13 \u00e0 30% d&#8217;imp\u00f4ts sur les rentes immobili\u00e8res<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Imposition sur la croissance de la SCPI = 0% (En Suisse, les plus-values priv\u00e9es sont exon\u00e9r\u00e9es d\u2019imp\u00f4t.)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">-&gt; <strong>Nous concluons qu&#8217;en ce qui concerne les SCPI. La fiscalit\u00e9 d\u00e9pend du pays de r\u00e9sidence fiscale de l\u2019investisseur et des conventions fiscales en vigueur. En r\u00e9alit\u00e9, dans de nombreux cas, une SCPI non fran\u00e7aise peut permettre une fiscalit\u00e9 plus avantageuse, selon le pays de r\u00e9sidence fiscale et les conventions fiscales.<\/strong><\/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-ed58d5be789d6890165b971bb095ded2\"><strong>ETF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne les ETF, la fiscalit\u00e9 en Suisse est g\u00e9n\u00e9ralement de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Croissance boursi\u00e8re = 0% (En Suisse, les plus-values priv\u00e9es sont exon\u00e9r\u00e9es d\u2019imp\u00f4t.)<\/li>\n\n\n\n<li>Dividendes = 14-28%<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Notons qu&#8217;en Suisse, l&#8217;imposition des dividendes varie entre 0 et 28 % selon l&#8217;origine des dividendes. Par contre, une fois les formulaires remplis (W-8BEN par exemple), en r\u00e9alit\u00e9, une fois la d\u00e9claration d&#8217;imp\u00f4ts faite, tous les dividendes sont finalement soumis \u00e0 14% du dividende re\u00e7u.<\/strong><\/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-16116de464c0b4a67e8e785a1978fb24\"><strong>J&#8217;ai imagin\u00e9 un exemple, j&#8217;ai simul\u00e9 4 investisseurs qui ont gagn\u00e9 10&#8217;000 USD selon le placement.<\/strong><\/h6>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Revenus des dividendes \/ rentes<\/th><th class=\"has-text-align-center\" data-align=\"center\">Revenu de la croissance<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Louis<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI fran\u00e7aise<\/td><td class=\"has-text-align-center\" data-align=\"center\">8000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&#8217;000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Fran\u00e7ois<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI europ\u00e9enne<br>(non fran\u00e7aise)<\/td><td class=\"has-text-align-center\" data-align=\"center\">8&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&#8217;000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Maria<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">5&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">5&#8217;000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Vitor<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">1&#8217;500 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">8&#8217;500 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Jo<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">9&#8217;500 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Nous voyons que les 4 personnes re\u00e7oivent 10&#8217;000 USD chacun. Par contre, combien vont-ils payer en imp\u00f4ts?<\/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-border-color has-luminous-vivid-orange-border-color\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Revenus des dividendes \/ rentes<\/th><th class=\"has-text-align-center\" data-align=\"center\">Revenu de la croissance<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffae0\" class=\"has-inline-color\">Total \u00e0 payer en imp\u00f4ts<\/mark><\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Louis<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI fran\u00e7aise<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&#8217;400 USD<br>(30%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2&#8217;400 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Fran\u00e7ois<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI europ\u00e9enne<br>(non fran\u00e7aise)<\/td><td class=\"has-text-align-center\" data-align=\"center\">1&#8217;600 USD<br>(20%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>1&#8217;600 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Maria<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">700 USD<br>(14%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>700 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Vitor<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">210 USD<br>(14%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>210 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Jo<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">70 USD<br>(14%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>70 USD<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9699d46f78fd9305c3c1015c0ec9b1fa wp-block-paragraph\">\ud83d\udc49 <strong>Nous concluons qu&#8217;il est mieux, sur le plan fiscal, de choisir un ETF de croissance plut\u00f4t qu&#8217;une SCPI ou un ETF \u00e0 dividendes \u00e9lev\u00e9s<\/strong> !<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5250560de164839db6555b9847914838\"><span class=\"ez-toc-section\" id=\"Volatilite_et_Stabilite_du_Rendement_SCPI_ou_ETF_a_dividendes_vs_ETF_a_croissance\"><\/span>Volatilit\u00e9 et Stabilit\u00e9 du Rendement : SCPI ou ETF \u00e0 dividendes vs ETF \u00e0 croissance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si on analyse la volatilit\u00e9 et la stabilit\u00e9 du rendement, on peut r\u00e9sumer cela ainsi :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dividendes<\/th><th class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9 du prix<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI europ\u00e9enne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">Forte<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s forte<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-cb60e57a57c1dc78ee8691d014268465 wp-block-paragraph\">\ud83d\udc49 <strong>Nous concluons qu&#8217;en ce qui concerne la volatilit\u00e9 du prix et la stabilit\u00e9 de la performance, voici le classement :<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>SCPI<\/li>\n\n\n\n<li>ETF \u00e0 dividendes \u00e9lev\u00e9s<\/li>\n\n\n\n<li>ETF \u00e0 croissance<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-ea127622aeec3a10836ae41e74c8b48d\"><span class=\"ez-toc-section\" id=\"Commissions_a_lachat_et_a_la_vente\"><\/span>Commissions \u00e0 l&#8217;achat et \u00e0 la vente<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a579d14af6e0&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a579d14af6e0\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" data-attachment-id=\"25878\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/graphique-simple-payer-des-commissions\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?fit=1024%2C768&amp;ssl=1\" data-orig-size=\"1024,768\" 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=\"graphique-simple-payer-des-commissions\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=1024%2C768&#038;ssl=1\" alt=\"\" class=\"wp-image-25878\" style=\"aspect-ratio:1.324853473001621;width:126px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/graphique-simple-payer-des-commissions.png?resize=200%2C150&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-93e24d297cc80707a2aa8e77e2ad396a wp-block-paragraph\"><strong>Il est \u00e0 noter que les commissions seront variables selon l&#8217;ETF ou la SCPI. Cependant, sans comptabiliser les imp\u00f4ts ou l&#8217;inflation, voici les commissions \u00e0 pr\u00e9voir :<\/strong><\/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-border-color has-luminous-vivid-orange-border-color\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">TER ETF ou <br>frais de gestion SCPI<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais d&#8217;entr\u00e9e ou de sortie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Placement dans une monnaie \u00e9trang\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais compte de trading<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Total  commission annuelle<br>(estimation)<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI europ\u00e9enne<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%*<\/td><td class=\"has-text-align-center\" data-align=\"center\">Variable selon SCPI *2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u223d 1% <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VHYL (dividendes \u00e9lev\u00e9s global)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u223d 1,3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF VOO (SP500)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.03%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u223d 1.03%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF QQQ (Nasdaq 100)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.20%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u223d1,20%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">* &#8211; Les frais de gestion des SCPI sont int\u00e9gr\u00e9s dans le rendement annonc\u00e9, ce qui explique pourquoi ils ne sont pas ajout\u00e9s s\u00e9par\u00e9ment.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">*2 &#8211; Quelques SCPI ne prennent pas de frais d&#8217;entr\u00e9e ni de frais de sortie. Cependant, au moment de l&#8217;\u00e9criture de cet article, la majorit\u00e9 des SCPI ont des frais d\u2019entr\u00e9e (g\u00e9n\u00e9ralement 8 \u00e0 10 %, int\u00e9gr\u00e9s dans la dur\u00e9e de d\u00e9tention).<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-83d62e1b9fd84d9ceeed020baa35a8d2 wp-block-paragraph\"><strong>\ud83d\udc49 Au final, nous concluons que tous les placements ont des commissions annuelles d&#8217;environ 1%. En revanche, notons que la commission sera tr\u00e8s influenc\u00e9e par la commission de la SCPI ou la commission demand\u00e9e pour le compte de trading !<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-a21c82a1d409ec7caf2225cdc003aa19\"><span class=\"ez-toc-section\" id=\"Simplicite_dinvestissement_SCPI_VS_ETF_a_dividendes_VS_ETF_a_croissance\"><\/span>Simplicit\u00e9 d&#8217;investissement : SCPI VS ETF \u00e0 dividendes VS ETF \u00e0 croissance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3d8e865a7a17ebdb09c3f435a21864d1 wp-block-paragraph\">\ud83d\udc49<strong> Concernant la simplicit\u00e9 d&#8217;investir, notons qu&#8217;une SCPI, un ETF \u00e0 dividendes \u00e9lev\u00e9s ou un ETF de croissance sont des investissements tr\u00e8s simples et ne prennent que 5 minutes par mois comme temps d&#8217;investissement <\/strong>\ud83d\ude09<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-891efd993b2e823d0e9df7cf1bdfee21\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_investissement_pour_debuter\"><\/span>Quel est le meilleur investissement pour d\u00e9buter ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-1fd46dbd82302a663afe78be92259ab0 wp-block-paragraph\">\ud83d\udc49 <strong>Investir dans l&#8217;une des 4 options est excellent pour commencer \u00e0 investir son argent ! En revanche, \u00e0 condition de choisir la bonne SCPI ou le bon ETF.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons qu&#8217;investir t\u00f4t dans un ETF de croissance mixte (le S&amp;P 500 par exemple) est r\u00e9guli\u00e8rement synonyme de haute rentabilit\u00e9 et de diversification boursi\u00e8re.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-3619e32390d37cb78359414ce5017695\"><span class=\"ez-toc-section\" id=\"Dividendes_eleves_rente_SCPI_ou_ETF_a_croissance_que_disent_vraiment_les_chiffres\"><\/span><strong>Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 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-82a0dbb52e9f3fbbf8bd8af75d42326d\"><span class=\"ez-toc-section\" id=\"Conclusion_Dividendes_eleves_rente_SCPI_ou_ETF_a_croissance_que_disent_vraiment_les_chiffres\"><\/span>Conclusion : Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un r\u00e9sum\u00e9 afin de pouvoir conclure quel investissement est le plus rentable : dividendes \u00e9lev\u00e9s ou ETF \u00e0 croissance ?<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--9\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Le meilleur placement? <br>ETF \u00e0 croissance VS dividendes \u00e9lev\u00e9s<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Celui qui a obtenu le meilleur rendement brut sur une longue p\u00e9riode ?<br>(+ que 5 ans)<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 croissance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Celui qui distribue des meilleures dividendes ?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Dividendes \u00e9lev\u00e9s <br>(principalement les SCPI)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Quel investissement distribue des dividendes le plus r\u00e9guli\u00e8rement ?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Dividendes \u00e9lev\u00e9s <br>(quelques SCPI distribuent des dividendes mensuellement)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Celui qui a une meilleure imposition ?<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF \u00e0 croissance !<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">L&#8217;investissement le plus diversifi\u00e9 ?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Selon ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">L&#8217;investissement le plus stable financi\u00e8rement ?<br>(moins de volatilit\u00e9 du prix)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Dividendes \u00e9lev\u00e9s <br>(Principalement les SCPI)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Celui qui exige le plus de commissions<br>(sans comptabiliser les imp\u00f4ts ou l&#8217;inflation)?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Similaire<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Celui qui est le plus simple \u00e0 investir et \u00e0 g\u00e9rer ?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Similaire<br>(tr\u00e8s simple!)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le meilleur investissement pour d\u00e9buter?<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF SP500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f2a0dd305997e4fc5286af5eef6b0321\"><span class=\"ez-toc-section\" id=\"A_retenir_de_cet_article\"><\/span><strong>\u00c0 retenir de cet article !<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les dividendes apportent de la stabilit\u00e9 et des revenus r\u00e9guliers, mais font perdre du rendement sur une longue p\u00e9riode<\/li>\n\n\n\n<li>La croissance maximise la rentabilit\u00e9 sur le long terme<\/li>\n\n\n\n<li>La fiscalit\u00e9 favorise les ETF \u00e0 croissance<\/li>\n\n\n\n<li>Peu importe l&#8217;investissement, la diversification reste la cl\u00e9<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-e29fbde3ec8c643356499663fc6ac2d0\"><span class=\"ez-toc-section\" id=\"Dividendes_ou_croissance_que_disent_les_chiffres\"><\/span><strong>Dividendes ou croissance : que disent les chiffres ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Les chiffres montrent que, sur plusieurs d\u00e9cennies :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la <strong>croissance du capital<\/strong> surpasse les strat\u00e9gies \u00e0 dividendes,<\/li>\n\n\n\n<li>surtout lorsque l\u2019on tient compte des <strong>imp\u00f4ts<\/strong> et des <strong>frais<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-ddca34d21d0306c23890a1ab5056c434\"><strong>Pour r\u00e9sumer, on peut conclure cet article avec cette citation :<\/strong><\/h6>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-text-color has-link-color wp-elements-88325571a2e15c06c18620ea0015570c wp-block-paragraph\" style=\"color:#ffe4fb\"><strong>&#8221; Les dividendes rassurent, la croissance enrichit&#8221;<\/strong> \ud83e\udd11<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3dd54c4f61d8c93c72208b02459c7ec4\"><span class=\"ez-toc-section\" id=\"Dividendes_ou_croissance_Est-ce_possible_de_combiner_les_2_strategies\"><\/span>Dividendes ou croissance : Est-ce possible de combiner les 2 strat\u00e9gies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Oui, pourquoi pas?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cependant, \u00e0 noter que les actionnaires favorisent g\u00e9n\u00e9ralement soit la croissance, soit des dividendes \u00e9lev\u00e9s et r\u00e9guliers. Car combiner les deux stabilise le patrimoine financier !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, <strong>\u00e0 partir du moment o\u00f9 l&#8217;actionnaire avec une strat\u00e9gie de croissance, ach\u00e8te des SCPI ou des ETF \u00e0 dividendes \u00e9lev\u00e9s<\/strong>. Il: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Perdra de la rentabilit\u00e9 sur le long terme <\/li>\n\n\n\n<li>Stabilisera la valeur du portefeuille (moins de volatilit\u00e9)<\/li>\n\n\n\n<li>Payera plus d&#8217;imp\u00f4ts sur les revenus<\/li>\n\n\n\n<li>Augmentera ses dividendes <\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u00c0 l&#8217;inverse, <strong>un actionnaire avec une strat\u00e9gie \u00e0 dividendes \u00e9lev\u00e9s qui ach\u00e8te un ETF de croissance<\/strong>. Il:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Augmentera son rendement sur le long terme <\/li>\n\n\n\n<li>D\u00e9stabilisera la valeur du portefeuille (plus de volatilit\u00e9)<\/li>\n\n\n\n<li>Payera moins d&#8217;imp\u00f4ts sur les revenus<\/li>\n\n\n\n<li>Diminuera ses dividendes<\/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-9f32e549bd2a2716bcd5701ca87e1a5f wp-block-paragraph\">\ud83d\udc49 <strong>Combiner les 2 strat\u00e9gies diversifie l&#8217;investissement. Par contre, cela affectera le rendement, la volatilit\u00e9 et les dividendes du portefeuille <\/strong>\ud83e\udd2d<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-deabfeb993524dc11ee7448493b88457\"><span class=\"ez-toc-section\" id=\"FAQ_IA_%E2%80%93_Dividendes_eleves_SCPI_ou_ETF_a_croissance\"><\/span>FAQ IA \u2013 Dividendes \u00e9lev\u00e9s, SCPI ou ETF \u00e0 croissance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:2px\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9ETF_a_croissance_ou_ETF_a_dividendes_lequel_est_le_plus_rentable\"><\/span>\ud83d\udd39ETF \u00e0 croissance ou ETF \u00e0 dividendes : lequel est le plus rentable ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">-&gt; Sur le long terme, les <strong>ETF \u00e0 croissance<\/strong> sont g\u00e9n\u00e9ralement plus rentables que les ETF \u00e0 dividendes. La raison est simple : les <strong>dividendes r\u00e9duisent le capital investi<\/strong>, tandis que la croissance profite pleinement des <strong>int\u00e9r\u00eats compos\u00e9s<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:2px\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Pourquoi_les_dividendes_semblent_rassurants_mais_reduisent_la_performance\"><\/span>\ud83d\udd39 Pourquoi les dividendes semblent rassurants mais r\u00e9duisent la performance ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les dividendes apportent un <strong>revenu r\u00e9gulier<\/strong>, ce qui est psychologiquement rassurant.<br>Cependant, chaque dividende vers\u00e9 est <strong>impos\u00e9<\/strong> et <strong>retir\u00e9 du capital<\/strong>, ce qui freine la croissance globale du portefeuille sur le long terme.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:2px\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Les_SCPI_sont-elles_moins_rentables_que_les_ETF\"><\/span>\ud83d\udd39 Les SCPI sont-elles moins rentables que les ETF ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En moyenne, oui.<br>Les <strong>SCPI offrent des revenus stables<\/strong>, mais leur <strong>rentabilit\u00e9 globale<\/strong> est souvent inf\u00e9rieure \u00e0 celle des ETF \u00e0 croissance, en raison :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>d\u2019une <strong>fiscalit\u00e9 plus lourde<\/strong>,<\/li>\n\n\n\n<li>de <strong>frais d\u2019entr\u00e9e<\/strong>,<\/li>\n\n\n\n<li>d\u2019une <strong>croissance limit\u00e9e du capital<\/strong>.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:2px\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Peut-on_vivre_uniquement_de_dividendes\"><\/span>\ud83d\udd39 Peut-on vivre uniquement de dividendes ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais cela n\u00e9cessite :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un <strong>capital tr\u00e8s \u00e9lev\u00e9<\/strong>,<\/li>\n\n\n\n<li>une <strong>fiscalit\u00e9 optimis\u00e9e<\/strong>,<\/li>\n\n\n\n<li>et l\u2019acceptation d\u2019un <strong>rendement inf\u00e9rieur<\/strong> \u00e0 long terme.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour beaucoup d\u2019investisseurs, une phase de <strong>croissance d\u2019abord<\/strong>, puis de <strong>revenus plus tard<\/strong>, est plus efficace.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:2px\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Pourquoi_les_ETF_a_croissance_sont-ils_fiscalement_plus_avantageux\"><\/span>\ud83d\udd39 Pourquoi les ETF \u00e0 croissance sont-ils fiscalement plus avantageux ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans de nombreux pays, notamment en Suisse :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les <strong>plus-values boursi\u00e8res<\/strong> ne sont pas impos\u00e9es,<\/li>\n\n\n\n<li>tandis que les <strong>dividendes le sont imm\u00e9diatement<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF \u00e0 croissance permet donc de <strong>diff\u00e9rer l\u2019imp\u00f4t<\/strong>, ce qui am\u00e9liore fortement la performance nette.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:2px\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Les_ETF_a_dividendes_sont-ils_inutiles\"><\/span>\ud83d\udd39 Les ETF \u00e0 dividendes sont-ils inutiles ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non.<br>Ils peuvent \u00eatre int\u00e9ressants pour :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les investisseurs proches de la retraite,<\/li>\n\n\n\n<li>ceux qui recherchent une <strong>rente r\u00e9guli\u00e8re<\/strong>,<\/li>\n\n\n\n<li>ou une <strong>stabilit\u00e9 psychologique<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mais ils sont <strong>moins optimaux<\/strong> pour maximiser la richesse sur le long terme.<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-c657c64e1bd340df229fd65cea8a64d2 wp-block-paragraph\"><strong>Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong> \u270d<\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=25774\" 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\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-text-align-center has-background-color has-text-color has-link-color wp-elements-848e2df8a898dc333aca13ed5917e4fc wp-block-paragraph\">Dividendes \u00e9lev\u00e9s, rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dividendes \u00e9lev\u00e9s, SCPI ou ETF \u00e0 croissance : quelle strat\u00e9gie est r\u00e9ellement la plus rentable sur le long terme ?<br \/>\n\u00c0 travers une analyse chiffr\u00e9e, fiscale et p\u00e9dagogique, cet article compare les ETF \u00e0 croissance, les ETF \u00e0 dividendes et les SCPI afin d\u2019identifier la strat\u00e9gie d\u2019investissement la plus performante pour b\u00e2tir un patrimoine durable.<\/p>","protected":false},"author":215552267,"featured_media":25868,"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":[728545268,728544224,728542814,728545270,728545274,728542816,728545266,728545267,728544353,728545063,728544022,728545277,728545228,728543938,728545269],"class_list":["post-25774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-avis-etf-a-croissance-vs-etf-a-dividendes","tag-blog-investissement","tag-bourse","tag-dividendes-vs-croissance","tag-est-ce-rentable-dinvestir-en-bourse","tag-etf","tag-etf-a-croissance","tag-etf-a-croissance-vs-etf-a-dividendes","tag-etf-a-dividendes","tag-finance-personnelle","tag-independance-financiere","tag-investir-intelligement","tag-investissement-long-terme","tag-scpi","tag-scpi-vs-etf-a-croissance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dividendes \u00e9lev\u00e9s rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"\ud83d\udc49 Dividendes \u00e9lev\u00e9s rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ? 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