{"id":25774,"date":"2026-08-09T20:11:05","date_gmt":"2026-08-09T18:11:05","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=25774"},"modified":"2026-08-09T20:11:13","modified_gmt":"2026-08-09T18:11:13","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-1 wp-block-paragraph\"><strong>Les investisseurs sont souvent attir\u00e9s par les dividendes \u00e9lev\u00e9s ou par les rentes \u00e9lev\u00e9es 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_87 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\/#Introduction\" >Introduction<\/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\/#Un_dividende_nest_pas_gratuit\" >Un dividende n&#8217;est pas gratuit<\/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\/#Deux_philosophies_differentes_pour_investir\" >Deux philosophies diff\u00e9rentes pour investir<\/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\/#Strategie_a_dividendes\" >Strat\u00e9gie \u00e0 dividendes<\/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\/#Strategie_a_croissance\" >Strat\u00e9gie \u00e0 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\/#Les_placements_compares\" >Les placements compar\u00e9s<\/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\/#Que_disent_les_performances_historiques\" >Que disent les performances historiques ?<\/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\/#Exemple_avec_10000_USD_sur_10_ans\" >Exemple avec 10&#8217;000 USD sur 10 ans<\/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\/#Exemple_avec_10000_USD_sur_20_ans\" >Exemple avec 10&#8217;000 USD sur 20 ans<\/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\/#Dividendes_eleves_est-ce_un_piege\" >Dividendes \u00e9lev\u00e9s :  est-ce un pi\u00e8ge ?<\/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\/#Portefeuille_A_rendement_de_8\" >Portefeuille A : rendement de 8 %<\/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\/#Portefeuille_B_rendement_de_14\" >Portefeuille B : rendement de 14 %<\/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\/#SCPI_pourquoi_les_revenus_sont-ils_aussi_seduisants\" >SCPI : pourquoi les revenus sont-ils aussi s\u00e9duisants ?<\/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\/#ETF_a_dividendes_eleves_le_compromis_entre_revenu_et_croissance\" >ETF \u00e0 dividendes \u00e9lev\u00e9s : le compromis entre revenu et croissance<\/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\/#SCPI_vs_ETF_a_dividendes_eleves_vs_ETF_a_croissance\" >SCPI vs ETF \u00e0 dividendes \u00e9lev\u00e9s vs ETF \u00e0 croissance<\/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\/#La_diversification_avantage_aux_ETF\" >La diversification : avantage aux ETF<\/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\/#La_volatilite_le_grand_avantage_apparent_des_SCPI\" >La volatilit\u00e9 : le grand avantage apparent des SCPI<\/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\/#La_fiscalite_suisse_attention_aux_raccourcis\" >La fiscalit\u00e9 suisse : attention aux raccourcis<\/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\/#Un_exemple_concret_meme_rendement_mais_pas_la_meme_fiscalite\" >Un exemple concret : m\u00eame rendement, mais pas la m\u00eame fiscalit\u00e9<\/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\/#Portefeuille_A_davantage_de_dividendes\" >Portefeuille A : davantage de dividendes<\/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\/#Portefeuille_B_davantage_de_croissance\" >Portefeuille B : davantage de croissance<\/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\/#Mais_que_se_passe-t-il_apres_limpot\" >Mais que se passe-t-il apr\u00e8s l&#8217;imp\u00f4t ?<\/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\/#Les_frais_petit_pourcentage_enorme_consequence\" >Les frais : petit pourcentage, \u00e9norme cons\u00e9quence<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Avec_02_de_frais_annuels\" >Avec 0,2 % de frais annuels<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Avec_1_de_frais_annuels\" >Avec 1 % de frais annuels<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#ETF_vs_SCPI\" >ETF vs SCPI<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Le_rendement_net_estimatif_que_reste-t-il_reellement_apres_les_frais_et_les_impots\" >Le rendement net estimatif : que reste-t-il r\u00e9ellement apr\u00e8s les frais et les imp\u00f4ts ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Avant_les_impots\" >Avant les imp\u00f4ts<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Apres_une_fiscalite_simplifiee\" >Apr\u00e8s une fiscalit\u00e9 simplifi\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Et_si_lon_ajoute_les_frais\" >Et si l&#8217;on ajoute les frais ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Exemple_avec_10000_CHF_investis\" >Exemple avec 10&#8217;000 CHF investis ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Que_faut-il_retenir\" >Que faut-il retenir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Faut-il_integrer_plusieurs_placements\" >Faut-il int\u00e9grer plusieurs placements ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Quel_investissement_choisir_pour_debuter\" >Quel investissement choisir pour d\u00e9buter ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Mon_classement_selon_lobjectif\" >Mon classement selon l&#8217;objectif<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Conclusion_SCPI_dividendes_ou_croissance\" >Conclusion : SCPI, dividendes ou croissance ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Mon_avis_et_mon_classement\" >Mon avis et mon classement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#FAQ_Dividendes_eleves_SCPI_ou_ETF_a_croissance\" >FAQ : Dividendes \u00e9lev\u00e9s, SCPI ou ETF \u00e0 croissance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#ETF_a_croissance_ou_ETF_a_dividendes_lequel_est_le_plus_rentable\" >ETF \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-44\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Pourquoi_les_dividendes_semblent-ils_rassurants\" >Pourquoi les dividendes semblent-ils rassurants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Les_SCPI_sont-elles_moins_rentables_que_les_ETF\" >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-46\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Peut-on_vivre_uniquement_de_dividendes\" >Peut-on vivre uniquement de dividendes ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Pourquoi_les_ETF_de_croissance_peuvent-ils_etre_fiscalement_interessants_en_Suisse\" >Pourquoi les ETF de croissance peuvent-ils \u00eatre fiscalement int\u00e9ressants en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/minimalistefrugaliste.com\/en\/dividendes-eleves-rente-scpi-ou-etf-a-croissance-que-disent-vraiment-les-chiffres\/#Les_ETF_a_dividendes_sont-ils_inutiles\" >Les ETF \u00e0 dividendes sont-ils inutiles ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-49\" 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><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-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=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-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=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;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=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-vivid-red-background-color has-background wp-block-paragraph\"><em>\u26a0\ufe0f <strong>Attention :<\/strong> les performances historiques pr\u00e9sent\u00e9es sont indicatives et ne pr\u00e9jugent pas des performances futures. Les exemples sont p\u00e9dagogiques et ne constituent pas un conseil en investissement. Les frais, la fiscalit\u00e9, le change selon la situation personnelle, ce qui peut modifier fortement le r\u00e9sultat final.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les dividendes \u00e9lev\u00e9s donnent une impression rassurante : chaque mois ou chaque trimestre, de l\u2019argent tombe sur notre compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les SCPI donnent une sensation similaire : on poss\u00e8de de l\u2019immobilier et on re\u00e7oit des revenus \u00e9lev\u00e9s locatifs chaque mois ou chaque trois mois. En plus, sans gestion active.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l\u2019inverse, un ETF orient\u00e9 croissance distribue tr\u00e8s peu de dividendes. Pourtant, est-il l&#8217;option la moins rentable?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alors, <strong>quelle strat\u00e9gie est r\u00e9ellement la plus int\u00e9ressante sur 10, 20 ou 30 ans ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous allons comparer quatres approches :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une SCPI immobili\u00e8re diversifi\u00e9, europ\u00e9enne et historiquement rentable comme CORUM Origin<a href=\"https:\/\/www.corum.fr\/nos-scpi\/corum-origin\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> par exemple <\/li>\n\n\n\n<li>un ETF mondial \u00e0 dividendes \u00e9lev\u00e9s (VHYL<a href=\"https:\/\/www.ch.vanguard\/en\/private-investor\/product\/etf\/equity\/9506\/ftse-all-world-high-dividend-yield-ucits-etf-usd-distributing\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a>) <\/li>\n\n\n\n<li>un ETF actions am\u00e9ricaines comme le S&amp;P 500, repr\u00e9sent\u00e9 ici par l&#8217;ETF VOO<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/voo\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> <\/li>\n\n\n\n<li>et, pour illustrer une strat\u00e9gie encore plus orient\u00e9e croissance, le Nasdaq-100 via l&#8217;ETF 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<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Un_dividende_nest_pas_gratuit\"><\/span>Un dividende n&#8217;est pas gratuit <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de comparer les produits, il faut comprendre un aspect essentiel que beaucoup de d\u00e9butants en bourse confondent :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-> <strong>Un dividende n&#8217;est pas un rendement suppl\u00e9mentaire.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu&#8217;une entreprise verse un dividende, une partie de la valeur de l&#8217;entreprise est transf\u00e9r\u00e9e \u00e0 l&#8217;actionnaire sous forme de cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un exemple tr\u00e8s simplifi\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une action vaut 100 CHF et verse 4 CHF de dividende. Apr\u00e8s le d\u00e9tachement du dividende, l&#8217;action vaut environ 96 CHF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;investisseur poss\u00e8de donc :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>96 CHF sous forme d&#8217;action <\/li>\n\n\n\n<li>4 CHF en cash <\/li>\n\n\n\n<li>soit toujours 100 CHF au total<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le dividende est donc <strong>une mani\u00e8re de recevoir le rendement<\/strong>, ce c&#8217;est pas un revenu suppl\u00e9mentaire.<\/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-4\"><span class=\"ez-toc-section\" id=\"Deux_philosophies_differentes_pour_investir\"><\/span>Deux philosophies diff\u00e9rentes pour investir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les investisseurs doivent s\u00e9lectionner l&#8217;une des deux strat\u00e9gies et choisir leur &#8221;\u00e9quipe&#8221; :<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Strategie_a_dividendes\"><\/span><strong>Strat\u00e9gie \u00e0 <\/strong>dividendes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif est de recevoir r\u00e9guli\u00e8rement du cash de mani\u00e8re passive. C&#8217;est-\u00e0-dire, investir dans un placement qui donne des revenus \u00e9lev\u00e9s imm\u00e9diats ou sur le court terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemples de placements adapt\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SCPI <\/li>\n\n\n\n<li>ETF \u00e0 dividendes \u00e9lev\u00e9s <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Strategie_a_croissance\"><\/span><strong>Strat\u00e9gie \u00e0 croissance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif est de maximiser la valeur du portefeuille sur plusieurs d\u00e9cennies. C&#8217;est-\u00e0-dire, investir aujourd&#8217;hui dans un placement qui prendra de la valeur dans quelques ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemples de placement:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF S&amp;P 500 <\/li>\n\n\n\n<li>ETF Nasdaq-100 <\/li>\n\n\n\n<li>ETF mondiaux orient\u00e9 croissance (exemple ETF VT)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, la premi\u00e8re strat\u00e9gie privil\u00e9gie <strong>le revenu imm\u00e9diat ou sur le court terme<\/strong>. La seconde privil\u00e9gie <strong>l&#8217;accumulation du capital dans le long terme<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analysons les avantages et inconv\u00e9nients de chaque investissement.<\/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-7\"><span class=\"ez-toc-section\" id=\"Les_placements_compares\"><\/span>Les placements compar\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour avoir une comparaison concr\u00e8te, prenons quatre exemples.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">dividendes ou loyers distribu\u00e9s<\/th><th class=\"has-text-align-center\" data-align=\"center\">Potentiel de croissance<\/th><th class=\"has-text-align-center\" data-align=\"center\">Nombre d&#8217;actions environ<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">CORUM Origin<\/td><td class=\"has-text-align-center\" data-align=\"center\">Immobilier passif via une SCPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00c9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">168 biens immobiliers<\/td><td class=\"has-text-align-center\" data-align=\"center\">Zone euro<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actions \u00e0 dividendes multi-secteurs<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyen<\/td><td class=\"has-text-align-center\" data-align=\"center\">2 300 action<\/td><td class=\"has-text-align-center\" data-align=\"center\">Monde<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VOO<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actions grandes capitalisations multi-secteurs<\/td><td class=\"has-text-align-center\" data-align=\"center\">Assez Faibles <\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">USA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">QQQ<\/td><td class=\"has-text-align-center\" data-align=\"center\">Principales actions am\u00e9ricaines \u00e0 croissance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">tr\u00e8s \u00e9lev\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">USA<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, une SCPI et un VHYL visent des revenus rapides et \u00e9lev\u00e9s, mais avec une croissance mod\u00e9r\u00e9e, tandis que l&#8217;ETF VOO et l&#8217;ETF QQQ se concentrent sur la croissance avec de faibles dividendes.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96c33b363f6&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96c33b363f6\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"31117\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a75e517c7fc9\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; ETF \u00e0 croissance vs etf \u00e0 dividendes \u00e9lev\u00e9s vs SCPI europ\u00e9ene\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?resize=1264%2C843&#038;ssl=1\" alt=\"Dividendes \u00e9lev\u00e9s rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?\" class=\"wp-image-31117\" style=\"aspect-ratio:1.4837988826815642;width:626px;height:auto\" title=\"graphique - ETF \u00e0 croissance vs etf \u00e0 dividendes \u00e9lev\u00e9s vs SCPI europ\u00e9ene\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a75e517c7fc9.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Que_disent_les_performances_historiques\"><\/span>Que disent les performances historiques ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est ici que la comparaison devient int\u00e9ressante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur une p\u00e9riode d&#8217;environ dix ans (2016-2025), les performances historiques sont tr\u00e8s diff\u00e9rentes selon les actifs.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 indicatif<\/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 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF mondial \u00e0 dividendes \u00e9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">~9 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">~14 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq-100<\/td><td class=\"has-text-align-center\" data-align=\"center\">~19 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ces chiffres ne sont pas des pr\u00e9visions. Ils montrent simplement une diff\u00e9rence historique du rendement annualis\u00e9 de chaque placement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Exemple_avec_10000_USD_sur_10_ans\"><\/span>Exemple avec 10&#8217;000 USD sur 10 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Supposons qu&#8217;il y a 10 ans, un investisseur a investi 10 000 USD sans ajouter d&#8217;argent entre-temps. Quel serait le montant apr\u00e8s 10 ans avec des int\u00e9r\u00eats compos\u00e9s ?<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel<\/th><th class=\"has-text-align-center\" data-align=\"center\">Capital apr\u00e8s 10 ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~21&#8217;600 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF mondial \u00e0 dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">8,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~22&#8217;600 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">14,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~38&#8217;700 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq-100<\/td><td class=\"has-text-align-center\" data-align=\"center\">19,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~59&#8217;400 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Nous constatons l&#8217;effet incroyable des int\u00e9r\u00eats compos\u00e9s avec un rendement \u00e9lev\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Exemple_avec_10000_USD_sur_20_ans\"><\/span>Exemple avec 10&#8217;000 USD sur 20 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Et si on compare cet exemple sur 20 ans, la diff\u00e9rence est de plusieurs centaines de milliers de dollars.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel<\/th><th class=\"has-text-align-center\" data-align=\"center\">Capital apr\u00e8s 10 ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~ 46&#8217;600 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF mondial \u00e0 dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">8,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~51&#8217;100 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">14,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~149&#8217;000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq-100<\/td><td class=\"has-text-align-center\" data-align=\"center\">19,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~352&#8217;00 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Dividendes_eleves_est-ce_un_piege\"><\/span>Dividendes \u00e9lev\u00e9s :  est-ce un pi\u00e8ge ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Supposons deux portefeuilles de 100&#8217;000 USD.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Portefeuille_A_rendement_de_8\"><\/span>Portefeuille A : rendement de 8 %<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En une ann\u00e9e: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>il a distribu\u00e9 environ 5&#8217;000 CHF de dividendes <\/li>\n\n\n\n<li>progress\u00e9 le capital de 3&#8217;000 CHF.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Portefeuille_B_rendement_de_14\"><\/span>Portefeuille B : rendement de 14 %<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En une ann\u00e9e:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> il a distribu\u00e9 seulement 1&#8217;500 CHF de dividendes<\/li>\n\n\n\n<li> progress\u00e9 le capital de 12&#8217;500 CHF.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, le portefeuille A donne davantage de cash. Mais en r\u00e9alit\u00e9, c&#8217;est le portefeuille B qui cr\u00e9e plus de patrimoine sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est souvent le pi\u00e8ge des dividendes \u00e9lev\u00e9s. Il est difficile de trouver un placement avec un dividende \u00e9lev\u00e9 et un rendement \u00e9lev\u00e9 sur le long terme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"SCPI_pourquoi_les_revenus_sont-ils_aussi_seduisants\"><\/span>SCPI : pourquoi les revenus sont-ils aussi s\u00e9duisants ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les SCPI performantes ont un avantage psychologique s\u00e9duisant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;investisseur poss\u00e8de indirectement des immeubles et re\u00e7oit des revenus \u00e9lev\u00e9s issus des loyers chaque mois, et sans gestion active. Autrement dit,  une rente immobili\u00e8re sans gestion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, CORUM Origin est une SCPI diversifi\u00e9e investie dans la zone euro. Elle comptait 169 immeubles au 31 mars 2026. Son rendement 2025 \u00e9tait :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de 6,50 % annualis\u00e9 <\/li>\n\n\n\n<li>Dont 5,93 % de loyer annuel (distribu\u00e9 chaque mois) et <\/li>\n\n\n\n<li>0,57 % provenant de plus-values.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, si on r\u00e9duit les imp\u00f4ts et les frais, et on compare le performance pass\u00e9e totale avec quelques ETF \u00e0 croissance. Ce n&#8217;est aussi s\u00e9duisant. Nous y reviendrons&#8230;<\/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-15\"><span class=\"ez-toc-section\" id=\"ETF_a_dividendes_eleves_le_compromis_entre_revenu_et_croissance\"><\/span>ETF \u00e0 dividendes \u00e9lev\u00e9s : le compromis entre revenu et croissance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF \u00e0 dividendes \u00e9lev\u00e9s comme VHYL est particuli\u00e8rement int\u00e9r\u00e9ssant pour ceux qui cherchent un \u00e9quilibre entre croissance et dividende.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;investisseur poss\u00e8de ainsi, des milliers d&#8217;entreprises \u00e0 travers le monde , de plusieurs secteurs, en privil\u00e9giant des actions qui versent g\u00e9n\u00e9ralement des dividendes sup\u00e9rieurs \u00e0 la moyenne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le fonds distribue ses revenus <strong>trimestriellement<\/strong>, soit environ tous les trois mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur la p\u00e9riode <strong>2016-2025<\/strong>, VHYL a enregistr\u00e9 un rendement total annualis\u00e9 d&#8217;environ <strong>9 % en USD<\/strong>, dividendes r\u00e9investis. Cela signifie qu&#8217;un investissement de 10&#8217;000 USD au d\u00e9but de 2016 aurait atteint environ <strong>24&#8217;100 USD \u00e0 la fin de 2025<\/strong>, avant fiscalit\u00e9 et en supposant un r\u00e9investissement des distributions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement total de l&#8217;ETF VHYL peut \u00eatre d\u00e9compos\u00e9 en deux grandes sources :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>les dividendes distribu\u00e9s<\/strong>, qui repr\u00e9sentent en moyenne environ <strong>3,5 % du capital par ann\u00e9e<\/strong> sur cette p\u00e9riode ;<\/li>\n\n\n\n<li><strong>l&#8217;\u00e9volution de la valeur des actions d\u00e9tenues par l&#8217;ETF<\/strong>, qui constitue environ <strong>5,5% en moyenne par ann\u00e9e<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le point important est donc que VHYL ne g\u00e9n\u00e8re pas uniquement des dividendes.<\/strong> La croissance des entreprises est aussi significatif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela permet d&#8217;obtenir un portefeuille tr\u00e8s diversifi\u00e9 mondialement. Et historiquement assez rentable sur une longue p\u00e9riode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analysons maintenant au d\u00e9tail chaque placement:<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background\" style=\"border-width:3px;border-top-left-radius:9px;border-top-right-radius:9px;border-bottom-left-radius:9px;border-bottom-right-radius:9px;background-color:#170863\"><span class=\"ez-toc-section\" id=\"SCPI_vs_ETF_a_dividendes_eleves_vs_ETF_a_croissance\"><\/span>SCPI vs ETF \u00e0 dividendes \u00e9lev\u00e9s vs ETF \u00e0 croissance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"La_diversification_avantage_aux_ETF\"><\/span>La diversification : avantage aux ETF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sur ce point, les ETF ont un avantage \u00e9vident.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CORUM Origin poss\u00e8de un patrimoine immobilier diversifi\u00e9 en Europe avec environ 168 biens immobiliers, mais reste concentr\u00e9 sur une seule grande classe d&#8217;actifs : l&#8217;immobilier europ\u00e9en.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>VHYL permet de poss\u00e9der plus de 2&#8217;300 entreprises dans tous les continents du monde<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>VOO donne acc\u00e8s aux 500 grandes entreprises am\u00e9ricaines composant le S&amp;P 500.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>QQQ concentre son exposition sur environ 100 soci\u00e9t\u00e9s du Nasdaq-100.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">On peut donc simplifier ainsi :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Diversification<\/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\">Diversification immobili\u00e8re Europ\u00e9enne<br>(secteur immobilier uniquement)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s forte diversification mondiale<br>(multi secteurs)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VOO<\/td><td class=\"has-text-align-center\" data-align=\"center\">Forte diversification am\u00e9ricaine<br>(multi secteurs)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">QQQ<\/td><td class=\"has-text-align-center\" data-align=\"center\">Diversification US limit\u00e9e et concentration technologique<br>(multi secteurs)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le nombre de titres ne suffit toutefois pas \u00e0 mesurer le risque.<\/strong> Par exemple, poss\u00e9der 2&#8217;000 actions dans le monde ne signifie pas n\u00e9cessairement avoir un portefeuille parfaitement \u00e9quilibr\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, un ETF comme VHYL, qui investit dans plus de 2300 entreprises de tous secteurs et continents, r\u00e9duit fortement le risque de perdre de l&#8217;argent.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-17 wp-block-paragraph\">\ud83d\udc49 <strong>Conclusion : avantages aux ETF, principalement VHYL<\/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-18\"><span class=\"ez-toc-section\" id=\"La_volatilite_le_grand_avantage_apparent_des_SCPI\"><\/span>La volatilit\u00e9 : le grand avantage apparent des SCPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est probablement ici que les SCPI ont leur meilleur argument.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF cot\u00e9 peut perdre 20 %, 30 % ou davantage en quelques mois. La valeur d&#8217;une SCPI affich\u00e9e dans les relev\u00e9s \u00e9volue g\u00e9n\u00e9ralement beaucoup moins fr\u00e9quemment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais attention : <strong>une faible volatilit\u00e9 affich\u00e9e ne signifie pas n\u00e9cessairement un risque \u00e9conomique plus faible.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le prix d&#8217;une action est mis \u00e0 jour en permanence, tandis que le prix d&#8217;une part de SCPI est \u00e9valu\u00e9 beaucoup moins fr\u00e9quemment et le march\u00e9 immobilier est moins liquide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour simplifier :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9 visible<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ETF dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible \u00e0 moyenne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne \u00e0 forte<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq-100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Forte \u00e0 tr\u00e8s forte<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu es incapable de supporter une baisse temporaire de 30 % de ton portefeuille, un ETF tr\u00e8s orient\u00e9 actions \u00e0 croissance peut \u00eatre psychologiquement difficile \u00e0 conserver.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-19 wp-block-paragraph\"><strong>\ud83d\udc49 Conclusion : avantages aux SCPI<\/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-20\"><span class=\"ez-toc-section\" id=\"La_fiscalite_suisse_attention_aux_raccourcis\"><\/span>La fiscalit\u00e9 suisse : attention aux raccourcis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est probablement la partie de l&#8217;article qui m\u00e9rite le plus de prudence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse,<strong> la croissance de capital sur des titres d\u00e9tenus sont peu imposables<\/strong>, si l&#8217;investisseur n&#8217;est pas consid\u00e9r\u00e9 comme un n\u00e9gociant professionnel de titres.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche<strong>, les dividendes et autres revenus de placement sont assez imposables.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le taux d&#8217;imposition varie selon le canton, la commune, le revenu et la situation fiscale de l&#8217;investisseur. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais il est vrai qu&#8217;en r\u00e8gle g\u00e9n\u00e9ral, on peut estimer l&#8217;imposition sur les dividendes \u00e0 environ 15%, pour un investisseur lambda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Un_exemple_concret_meme_rendement_mais_pas_la_meme_fiscalite\"><\/span>Un exemple concret : m\u00eame rendement, mais pas la m\u00eame fiscalit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons deux investisseurs suisses qui disposent chacun de <strong>100&#8217;000 CHF<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux portefeuilles r\u00e9alisent exactement le m\u00eame rendement total : <strong>8 %<\/strong>, soit <strong>8&#8217;000 CHF de gains sur l&#8217;ann\u00e9e<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La seule diff\u00e9rence est la mani\u00e8re dont ce rendement est obtenu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Portefeuille_A_davantage_de_dividendes\"><\/span>Portefeuille A : davantage de dividendes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capital investi : 100&#8217;000 CHF<\/li>\n\n\n\n<li>Rendement total : 8 %<\/li>\n\n\n\n<li>Dividendes annuels : 5&#8217;000 CHF<\/li>\n\n\n\n<li>Croissance du capital : 3&#8217;000 CHF<\/li>\n\n\n\n<li>Gain annuel total : <strong>8&#8217;000 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Portefeuille_B_davantage_de_croissance\"><\/span>Portefeuille B : davantage de croissance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capital investi : 100&#8217;000 CHF<\/li>\n\n\n\n<li>Rendement total : 8 %<\/li>\n\n\n\n<li>Dividendes : 1&#8217;500 CHF<\/li>\n\n\n\n<li>Croissance du capital : 6&#8217;500 CHF<\/li>\n\n\n\n<li>Gain total : <strong>8&#8217;000 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux investisseurs ont donc obtenu <strong>exactement le m\u00eame rendement<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence est simplement la suivante :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">L&#8217;investisseur A re\u00e7oit davantage d&#8217;argent imm\u00e9diatement sous forme de dividendes, tandis que l&#8217;investisseur B conserve davantage de rendement sous forme de croissance de son capital.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Mais_que_se_passe-t-il_apres_limpot\"><\/span>Mais que se passe-t-il apr\u00e8s l&#8217;imp\u00f4t ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour simplifier l&#8217;exemple, supposons que les dividendes soient impos\u00e9s \u00e0 <strong>15 %<\/strong> et que la croissance du capital soit impos\u00e9e de 1%.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Portefeuille A<\/th><th class=\"has-text-align-center\" data-align=\"center\">Portefeuille B<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Capital initial<\/td><td class=\"has-text-align-center\" data-align=\"center\">100&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">100&#8217;000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rendement total<\/td><td class=\"has-text-align-center\" data-align=\"center\">8&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">8&#8217;000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">5&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">1&#8217;500 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Croissance du capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">3&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">6&#8217;500 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4t sur les dividendes<br> (15 %)<\/td><td class=\"has-text-align-center\" data-align=\"center\">-750 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">-225 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4t sur les plus-valeus <br>(1 %)<\/td><td class=\"has-text-align-center\" data-align=\"center\">-30 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">-65 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes apr\u00e8s imp\u00f4t<\/td><td class=\"has-text-align-center\" data-align=\"center\">4&#8217;220 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">1&#8217;210 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Gain total apr\u00e8s imp\u00f4t<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>7&#8217;220 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>7&#8217;710 CHF<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet exemple, les deux investisseurs avaient <strong>exactement 8&#8217;000 CHF de rendement avant imp\u00f4t<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, apr\u00e8s fiscalit\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l&#8217;investisseur A (dividendes \u00e9lev\u00e9s et peu de croissance) conserve <strong>7&#8217;220 CHF<\/strong> ;<\/li>\n\n\n\n<li>l&#8217;investisseur B (dividendes faibles et beaucoup de croissance) conserve <strong>7&#8217;710 CHF<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence est de <strong>490 CHF sur une seule ann\u00e9e<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur 20 ans, cela repr\u00e9sente plus de 9 500 CHF d&#8217;imp\u00f4ts suppl\u00e9mentaires pour l&#8217;investisseur A<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-25 wp-block-paragraph\">\ud83d\udc49 <strong>Il faut retenir un point essentiel : pour optimiser la fiscalit\u00e9 suisse, mieux vaut favoriser la croissance boursi\u00e8re que les dividendes ou rentes SCPI<\/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-26\"><span class=\"ez-toc-section\" id=\"Les_frais_petit_pourcentage_enorme_consequence\"><\/span>Les frais : petit pourcentage, \u00e9norme cons\u00e9quence<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais semblent souvent insignifiants, mais ils ne le sont pas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons 100&#8217;000 CHF investis pendant 30 ans. Supposons que le portefeuille r\u00e9alise une moyenne annualis\u00e9 de 8 % avant frais.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Avec_02_de_frais_annuels\"><\/span>Avec 0,2 % de frais annuels<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement net approximatif : 7,8 %.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capital final : environ <strong>950&#8217;000 CHF<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"Avec_1_de_frais_annuels\"><\/span>Avec 1 % de frais annuels<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendement net approximatif : 7 %.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capital final : environ <strong>761&#8217;000 CHF<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Une diff\u00e9rence de seulement 0,8 point de frais par ann\u00e9e peut donc repr\u00e9senter <strong>pr\u00e8s de 190&#8217;000 CHF<\/strong> apr\u00e8s 30 ans. C&#8217;est \u00e9norme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"ETF_vs_SCPI\"><\/span>ETF vs SCPI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF indiciels \u00e0 bas co\u00fbt ont ici un avantage \u00e9vident. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, VOO affiche par exemple un ratio de frais de seulement 0,03 %, tandis que l&#8217;ETF VHYL demande 0,29% de frais TER.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si on comptabilise les frais TER + les frais d&#8217;un compte boursier \u00e9conomique, il faut pr\u00e9voir environ :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0,5% -1% de frais par ann\u00e9e en moyenne<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l&#8217;inverse, les SCPI peuvent avoir des frais d&#8217;entr\u00e9e importants. CORUM Origin par exemple, affiche actuellement des commissions de souscription de 11,96 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais de gestion sont d\u00e9j\u00e0 inclus dans la distribution des rentes, donc je ne les compte pas dans les frais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que l&#8217;estimation annuelle d\u00e9pende de la SCPI, je pense que le client doit pr\u00e9voir en moyenne :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1 % &#8211; 1,5% de frais par ann\u00e9e en moyenne avec une SCPI<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-30 wp-block-paragraph\">\ud83d\udc49 <strong>De ce fait, les ETF offrent souvent des frais plus bas que les SCPI, ce qui permet un meilleur rendement sur le long terme.<\/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-31\"><span class=\"ez-toc-section\" id=\"Le_rendement_net_estimatif_que_reste-t-il_reellement_apres_les_frais_et_les_impots\"><\/span>Le rendement net estimatif : que reste-t-il r\u00e9ellement apr\u00e8s les frais et les imp\u00f4ts ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s avoir compar\u00e9 la diversification, la volatilit\u00e9, la fiscalit\u00e9 et les frais, il est int\u00e9ressant de faire un dernier exercice : <strong>combien aurait r\u00e9ellement rapport\u00e9 chaque placement sur la p\u00e9riode 2016-2025 ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour simplifier la comparaison, nous allons prendre trois investissements :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CORUM Origin<\/strong> pour repr\u00e9senter une SCPI diversifi\u00e9e europ\u00e9enne <\/li>\n\n\n\n<li><strong>VHYL<\/strong> pour repr\u00e9senter un ETF mondial \u00e0 dividendes \u00e9lev\u00e9s <\/li>\n\n\n\n<li><strong>VOO<\/strong>, qui suit le S&amp;P 500, pour repr\u00e9senter un ETF orient\u00e9 croissance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les chiffres ci-dessous sont des <strong>estimations p\u00e9dagogiques bas\u00e9es sur les performances historiques de la p\u00e9riode 2016-2025<\/strong>. Ils ne pr\u00e9disent \u00e9videmment pas les performances futures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-32\"><span class=\"ez-toc-section\" id=\"Avant_les_impots\"><\/span>Avant les imp\u00f4ts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sur cette p\u00e9riode, les rendements annualis\u00e9s ont \u00e9t\u00e9 tr\u00e8s diff\u00e9rents :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Placement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annuel historique approximatif<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>SCPI CORUM Origin<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~7,1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF mondial \u00e0 dividendes VHYL<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~9,2 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF S&amp;P 500 VOO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~14,8 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 premi\u00e8re vue, l&#8217;\u00e9cart est d\u00e9j\u00e0 important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais le rendement total ne raconte pas toute l&#8217;histoire. Une partie du rendement peut \u00eatre vers\u00e9e \u00e0 l&#8217;investisseur sous forme de dividendes ou de revenus immobiliers, tandis que le reste provient de la croissance de la valeur du placement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-33\"><span class=\"ez-toc-section\" id=\"Apres_une_fiscalite_simplifiee\"><\/span>Apr\u00e8s une fiscalit\u00e9 simplifi\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour illustrer l&#8217;impact de la fiscalit\u00e9, supposons de mani\u00e8re simplifi\u00e9e que les revenus distribu\u00e9s soient impos\u00e9s \u00e0 <strong>15 %<\/strong> et que les plus-values priv\u00e9es ne soient pas impos\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette hypoth\u00e8se ne correspond pas n\u00e9cessairement \u00e0 la situation fiscale r\u00e9elle de chaque investisseur suisse. La fiscalit\u00e9 d\u00e9pend notamment du canton, de la situation personnelle, du type de placement et, pour les investissements \u00e9trangers, des conventions fiscales applicables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec cette hypoth\u00e8se, nous pouvons obtenir l&#8217;ordre de grandeur suivant :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--9\"><table class=\"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\">Rendement total historique<\/th><th class=\"has-text-align-center\" data-align=\"center\">Revenus distribu\u00e9s estim\u00e9s<\/th><th class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4t estimatif sur les revenus<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement net estimatif*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>SCPI CORUM Origin<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~7,1 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~6,6 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~1,0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~6,1 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF VHYL<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~9,2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~3,5\u20133,8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~0,5\u20130,6 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~8,6\u20138,7 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF S&amp;P 500 VOO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~14,8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~1,9 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~0,3 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~14,5 %<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">* Estimation simplifi\u00e9e destin\u00e9e \u00e0 comparer les strat\u00e9gies. Elle ne constitue pas un calcul fiscal personnalis\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-34\"><span class=\"ez-toc-section\" id=\"Et_si_lon_ajoute_les_frais\"><\/span>Et si l&#8217;on ajoute les frais ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jusqu&#8217;ici, nous avons principalement compar\u00e9 les performances et l&#8217;impact de la fiscalit\u00e9. Mais les frais doivent \u00e9galement \u00eatre pris en compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En reprenant les ordres de grandeur pr\u00e9sent\u00e9s pr\u00e9c\u00e9demment, nous pouvons ajouter une estimation des frais annuels moyens :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SCPI CORUM Origin : ~1,25 %<\/strong><\/li>\n\n\n\n<li><strong>ETF VHYL : ~0,75 %<\/strong><\/li>\n\n\n\n<li><strong>ETF S&amp;P 500 VOO : ~0,50 %<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9sultat devient alors :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--10\"><table class=\"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\">Rendement historique<\/th><th class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4t estimatif<\/th><th class=\"has-text-align-center\" data-align=\"center\">Frais estimatifs<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Rendement net estimatif<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>SCPI CORUM Origin<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~7,1 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~1,0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~1,25 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~4,85 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF VHYL<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~9,2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~0,55 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~0,75 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~7,90 %<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF S&amp;P 500 VOO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~14,8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~0,3 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">~0,50 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~1<\/strong>4<strong>%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ces chiffres sont volontairement pr\u00e9sent\u00e9s comme des <strong>ordres de grandeur<\/strong>. Les frais r\u00e9els d\u00e9pendent notamment du courtier, des frais de change, des transactions effectu\u00e9es et de la structure de chaque SCPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut \u00e9galement \u00eatre prudent avec la SCPI : certains frais sont d\u00e9j\u00e0 int\u00e9gr\u00e9s dans les performances publi\u00e9es par la soci\u00e9t\u00e9 de gestion. La comparaison ci-dessus constitue donc une <strong>simulation simplifi\u00e9e<\/strong>, et non un calcul comptable exact du rendement historique net.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-35\"><span class=\"ez-toc-section\" id=\"Exemple_avec_10000_CHF_investis\"><\/span>Exemple avec 10&#8217;000 CHF investis ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour rendre cette diff\u00e9rence plus concr\u00e8te, imaginons maintenant qu&#8217;un investisseur place <strong>10&#8217;000 CHF<\/strong> dans chacun de ces investissements et ne r\u00e9alise aucun versement suppl\u00e9mentaire pendant dix ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En utilisant les rendements nets estimatifs pr\u00e9c\u00e9dents :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--11\"><table class=\"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\">Rendement net estimatif<\/th><th class=\"has-text-align-center\" data-align=\"center\">Capital apr\u00e8s 10 ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>SCPI CORUM Origin<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~4,85 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~16&#8217;050 CHF<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF VHYL<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~7,90 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~21&#8217;400 CHF<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>ETF S&amp;P 500 VOO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">~14,0 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~37&#8217;100 CHF<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence est importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien entendu, il ne s&#8217;agit pas d&#8217;une pr\u00e9vision de rendement. Cette simulation suppose que le rendement net reste identique chaque ann\u00e9e, ce qui ne sera \u00e9videmment pas le cas dans la r\u00e9alit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif est simplement d&#8217;illustrer <strong>la puissance des int\u00e9r\u00eats compos\u00e9s<\/strong> : quelques points de pourcentage de diff\u00e9rence de rendement annuel peuvent cr\u00e9er un \u00e9cart consid\u00e9rable apr\u00e8s plusieurs ann\u00e9es.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-36\"><span class=\"ez-toc-section\" id=\"Que_faut-il_retenir\"><\/span>Que faut-il retenir ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cette comparaison permet surtout de comprendre une chose :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><em>Le rendement distribu\u00e9 n&#8217;est pas la m\u00eame chose que le rendement total.<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Une SCPI ou un ETF \u00e0 dividendes \u00e9lev\u00e9s peut distribuer beaucoup plus de revenus qu&#8217;un ETF de croissance. Mais cela ne signifie pas n\u00e9cessairement que l&#8217;investisseur s&#8217;enrichit davantage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investisseur qui n&#8217;a pas besoin de revenus imm\u00e9diats, une strat\u00e9gie davantage orient\u00e9e vers la croissance peut pr\u00e9senter plusieurs avantages :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>moins de revenus imposables \u00e0 court terme <\/li>\n\n\n\n<li>davantage de capital laiss\u00e9 investi <\/li>\n\n\n\n<li>frais tr\u00e8s faibles avec quelques ETF indiciels \u00e0 croissance <\/li>\n\n\n\n<li>potentiel de capitalisation plus important sur le long terme.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l&#8217;inverse, les placements \u00e0 revenus \u00e9lev\u00e9s comme l&#8217;ETF VHYL ou la SCPI par exemple, peuvent avoir un int\u00e9r\u00eat pour une personne qui souhaite <strong>g\u00e9n\u00e9rer un revenu r\u00e9gulier<\/strong> sur une courte dur\u00e9e, mais il devra accepter de payer plus de frais et d&#8217;imp\u00f4ts.<\/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-37\"><span class=\"ez-toc-section\" id=\"Faut-il_integrer_plusieurs_placements\"><\/span>Faut-il int\u00e9grer plusieurs placements ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un portefeuille peut parfaitement combiner ETF \u00e0 croissance, ETF \u00e0 dividendes \u00e9lev\u00e9s et placement \u00e0 dividendes \u00e9lev\u00e9s comme une SCPI. En effet, ce n&#8217;est pas interdit d&#8217;ajouter plusieurs placements dans son portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50 % ETF mondial \u00e0 croissance ou S&amp;P 500 (croissance diversifi\u00e9)<\/li>\n\n\n\n<li>20 % ETF Nasdaq-100 (fort potentiel de croissance, mais peu diversifi\u00e9)<\/li>\n\n\n\n<li>20 % ETF \u00e0 dividendes mondiales (hauts dividendes, tr\u00e8s diversifi\u00e9 dans le monde et pontentiel de croissance mod\u00e9r\u00e9e)<\/li>\n\n\n\n<li>10 % SCPI europ\u00e9enne diversifi\u00e9e (Revenus \u00e9lev\u00e9s chaque mois, mais peu de potentiel de croissance)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Notons qu&#8217;aucun portefeuille n&#8217;est parfait. Il est important d&#8217;investir en sachant que chaque placement a des avantages, des inconv\u00e9nients et des risques de perte d&#8217;argent.<\/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-38\"><span class=\"ez-toc-section\" id=\"Quel_investissement_choisir_pour_debuter\"><\/span>Quel investissement choisir pour d\u00e9buter ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour quelqu&#8217;un qui d\u00e9bute et qui n&#8217;a pas besoin de revenus imm\u00e9diats, un ETF indiciel largement diversifi\u00e9 et peu co\u00fbteux peut \u00eatre une solution particuli\u00e8rement simple et rentable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, un d\u00e9butant en bourse devrait initier avec un de ces deux ETF:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF S&amp;P 500 (exemple ETF VOO)<\/li>\n\n\n\n<li>ETF global de croissance (exemple ETF VT)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, ajouter des placements plus offensifs (exemple ETF QQQ), une meilleure diversification (exemple ETF VHYL ou SCPI) et aussi des placements d\u00e9fensifs afin de stabiliser la valeur (exemple, ETF obligations d&#8217;\u00e9tat ou liquidit\u00e9s).<\/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-39\"><span class=\"ez-toc-section\" id=\"Mon_classement_selon_lobjectif\"><\/span>Mon classement selon l&#8217;objectif<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment je r\u00e9sumerais les diff\u00e9rentes strat\u00e9gies.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--12\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Crit\u00e8re<\/th><th class=\"has-text-align-center\" data-align=\"center\">Gagnant approximatif<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Revenus ou dividendes imm\u00e9diats<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI \/ ETF dividendes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes \u00e9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI \/ ETF dividendes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Croissance historique du capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF actions de croissance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Diversification mondiale<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF mondial<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais faibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Faible volatilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">SCPI<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Meilleure Liquidit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 \u00e0 investir<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le plus simple \u00e0 investir pour un d\u00e9butant<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le meilleur concernant Fiscalit\u00e9 en Suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF de croissance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Construction de patrimoine \u00e0 long terme<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF actions diversifi\u00e9s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Il n&#8217;y a pas de gagnant unique. Chaque placement a ses risques, des avantages et des inconv\u00e9nients.<\/p>\n\n\n\n<h2 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-40\"><span class=\"ez-toc-section\" id=\"Conclusion_SCPI_dividendes_ou_croissance\"><\/span>Conclusion : SCPI, dividendes ou croissance ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, le meilleur investissement d\u00e9pend de ton objectif financier:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revenus passifs \u00e9lev\u00e9s sur le court terme et peu volatiles = SCPI<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Construire un patrimoine solide et diversifi\u00e9 sur 10 ans, avec un bon potentiel de croissance = ETF \u00e0 croissance diversifi\u00e9 comme un ETF S&amp;P 500 par exemple<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le placement r\u00e9put\u00e9 pour sa forte croissance et historiquement le moins impos\u00e9 = ETF avec un fort potentiel de croissance comme l&#8217;ETF QQQ par exemple<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un compromis entre dividendes \u00e9lev\u00e9s, croissance, volatilit\u00e9, frais et diversification mondiale = ETF \u00e0 dividendes \u00e9lev\u00e9s mondial comme le L&#8217;ETF VHYL par exemple<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96c33b4bc6d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96c33b4bc6d\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"31154\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a78751a7d0c3\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" 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;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; quel investissement choisir SCPI, ETF \u00e0 croissance, ETF \u00e0 dividendes\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?resize=1264%2C843&#038;ssl=1\" alt=\"Dividendes \u00e9lev\u00e9s rente SCPI ou ETF \u00e0 croissance : que disent vraiment les chiffres ?\" class=\"wp-image-31154\" style=\"aspect-ratio:1.4837988826815642;width:610px;height:auto\" title=\"graphique - quel investissement choisir SCPI, ETF \u00e0 croissance, ETF \u00e0 dividendes\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a78751a7d0c3.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-41\"><span class=\"ez-toc-section\" id=\"Mon_avis_et_mon_classement\"><\/span><strong>Mon avis<\/strong> et mon classement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mon ordre de classement afin d&#8217;investir est :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>ETF \u00e0 croissance<\/li>\n\n\n\n<li>ETF \u00e0 dividendes \u00e9lev\u00e9s<\/li>\n\n\n\n<li>SCPI europ\u00e9enne et diversifi\u00e9e<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, je favorise la croissance boursi\u00e8re comparativement aux dividendes ou aux loyers des SCPI. Cependant, selon l&#8217;\u00e9volution de mon portefeuille, je pense diversifier mon portefeuille avec plusieurs actifs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que chaque investisseur a un portefeuille diff\u00e9rent et doit adapter ses investissements \u00e0 sa situation financi\u00e8re.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Dividendes_eleves_SCPI_ou_ETF_a_croissance\"><\/span>FAQ : Dividendes \u00e9lev\u00e9s, SCPI ou ETF \u00e0 croissance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-42\"><span class=\"ez-toc-section\" id=\"ETF_a_croissance_ou_ETF_a_dividendes_lequel_est_le_plus_rentable\"><\/span>ETF \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\">Historiquement, les grands indices actions orient\u00e9s vers la croissance ont souvent produit des performances totales sup\u00e9rieures aux strat\u00e9gies fortement orient\u00e9es dividendes. Mais cela n&#8217;est pas garanti pour l&#8217;avenir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le bon indicateur est le <strong>rendement total<\/strong>, et non le dividende seul.<\/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-43\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_dividendes_semblent-ils_rassurants\"><\/span>Pourquoi les dividendes semblent-ils rassurants ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parce que l&#8217;investisseur re\u00e7oit r\u00e9guli\u00e8rement de l&#8217;argent sur son compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Psychologiquement, il est souvent plus agr\u00e9able de recevoir 500 CHF de dividendes que de voir son portefeuille augmenter de 500 CHF sans recevoir de cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il ne faut pas confondre dividendes et rentabilit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-44\"><span class=\"ez-toc-section\" id=\"Les_SCPI_sont-elles_moins_rentables_que_les_ETF\"><\/span>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\">Tout d\u00e9pend de la SCPI et l&#8217;ETF que tu compares.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines SCPI ont r\u00e9alis\u00e9 d&#8217;excellentes performances historiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CORUM Origin affiche par exemple un TRI depuis sa cr\u00e9ation de 6,94 %. En revanche, certains ETF \u00e0 actions de croissance ont enregistr\u00e9 des performances nettement sup\u00e9rieures selon la p\u00e9riode analys\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut surtout comparer des p\u00e9riodes identiques et int\u00e9grer les frais et les imp\u00f4ts d\u00e9duits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-45\"><span class=\"ez-toc-section\" id=\"Peut-on_vivre_uniquement_de_dividendes\"><\/span>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 il faut g\u00e9n\u00e9ralement un patrimoine tr\u00e8s important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 4 % de rendement distribu\u00e9, obtenir 40&#8217;000 CHF de revenus annuels n\u00e9cessite environ 1 million CHF de capital avant fiscalit\u00e9 et autres co\u00fbts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour la plupart des investisseurs, atteindre la libert\u00e9 financi\u00e8re uniquement gr\u00e2ce aux dividendes n\u00e9cessite des d\u00e9c\u00e9nies d&#8217;\u00e9pargne.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-46\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_ETF_de_croissance_peuvent-ils_etre_fiscalement_interessants_en_Suisse\"><\/span>Pourquoi les ETF de croissance peuvent-ils \u00eatre fiscalement int\u00e9ressants en Suisse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parce que les gains en capital r\u00e9alis\u00e9s dans la fortune priv\u00e9e sont peu impos\u00e9s en Suisse, sous r\u00e9serve des r\u00e8gles applicables au statut de l&#8217;investisseur. Les revenus, eux, sont imposables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que la fiscalit\u00e9 r\u00e9elle d\u00e9pend toutefois de la situation personnelle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-47\"><span class=\"ez-toc-section\" id=\"Les_ETF_a_dividendes_sont-ils_inutiles\"><\/span>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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ils peuvent parfaitement avoir leur place dans un portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ils sont notamment int\u00e9ressants pour un investisseur qui souhaite g\u00e9n\u00e9rer des revenus r\u00e9guliers sans vendre syst\u00e9matiquement des parts de son portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, selon l&#8217;ETF \u00e0 dividendes, il permet de diversifier le portefeuille de l&#8217;investisseur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le probl\u00e8me appara\u00eet lorsque l&#8217;on consid\u00e8re automatiquement qu&#8217;un dividende \u00e9lev\u00e9 signifie une meilleure performance. <strong>Ce n&#8217;est pas le cas.<\/strong><\/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-48\"><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<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-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/\">Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/\">Comment optimiser son 2\u00e8me pilier?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/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-49 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-50\"><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-51 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":31125,"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],"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"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - 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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