{"id":25897,"date":"2026-01-01T14:37:47","date_gmt":"2026-01-01T13:37:47","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=25897"},"modified":"2026-05-26T13:34:20","modified_gmt":"2026-05-26T11:34:20","slug":"sp-500-nasdaq-etf-portfolio-which-strategy-to-choose","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/","title":{"rendered":"SP500, Nasdaq 100 or ETF portfolio: which strategy to choose?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-db081e100ebadcd61fc39363f28c406b wp-block-paragraph\">Quand on commence \u00e0 investir, une question revient toujours :<br><strong>faut-il chercher la performance maximale ou viser une strat\u00e9gie durable ?<\/strong> En effet, la v\u00e9ritable question de cet article, SP500, Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?<strong> C&#8217;est de savoir s&#8217;il est pr\u00e9f\u00e9rable de se contenter d&#8217;investir dans un S&amp;P 500, un ETF Nasdaq 100 ou d&#8217;essayer de battre le march\u00e9 boursier avec quelques ETF ?<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Exemple_entre_3_investisseurs_avec_le_meme_montant_de_depart\" >Exemple entre 3 investisseurs avec le m\u00eame montant de d\u00e9part<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Simulation_entre_3_investisseurs_%E2%80%93_SP500_Nasdaq_100_et_portefeuille_diversifie\" >Simulation entre 3 investisseurs &#8211; (SP500, Nasdaq 100 et portefeuille diversifi\u00e9)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Investisseur_1_%E2%80%93_Investir_simplement_avec_un_S_P500\" >Investisseur 1 \u2013 Investir simplement avec un S&amp;P500<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Investisseur_2_%E2%80%93_Viser_la_performance_avec_le_Nasdaq_100_ETF_QQQ\" >Investisseur 2 \u2013 Viser la performance avec le Nasdaq 100 (ETF QQQ)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Investisseur_3_%E2%80%93_Portefeuille_ETF_diversifie_SP500_Nasdaq_et_monde\" >Investisseur 3 \u2013 Portefeuille ETF diversifi\u00e9 (SP500, Nasdaq et monde)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#SP500_VS_Nasdaq_100_VS_Mix_dETF\" >SP500 VS Nasdaq 100 VS Mix d&#8217;ETF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Simulation_de_rendement_SP500_vs_Nasdaq_100_vs_portefeuille_dETF\" >Simulation de rendement : SP500 vs Nasdaq 100 vs portefeuille d\u2019ETF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Simulation_en_chiffres_de_rendement_des_3_investisseurs\" >Simulation en chiffres de rendement des 3 investisseurs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Simulation_FIRE_rendement_des_ETF_SP500_Nasdaq_100_et_portefeuille_mixte_avec_retrait_mensuel_de_05\" >Simulation FIRE : rendement des ETF SP500, Nasdaq 100 et portefeuille mixte avec retrait mensuel de 0.5%<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Simulation_du_rendement_des_3_investisseurs_avec_retrait_mensuel_de_05_valeurs_realistes\" >Simulation du rendement des 3 investisseurs, avec retrait mensuel de 0,5% (valeurs r\u00e9alistes)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Pour_linvestisseur_3_mix_dETF_comment_retirer_chaque_mois\" >Pour l&#8217;investisseur 3 (mix d&#8217;ETF), comment retirer chaque mois?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Au_niveau_de_la_fiscalite_quel_investisseur_paiera_le_moins_dimpots\" >Au niveau de la fiscalit\u00e9, quel investisseur paiera le moins d&#8217;imp\u00f4ts ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Quel_placement_a_le_moins_de_commissions\" >Quel placement a le moins de commissions?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Conclusion_%E2%80%93_SP500_Nasdaq_100_ou_portefeuille_dETF_quelle_strategie_choisir\" >Conclusion &#8211; SP500, Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#-%3E_A_retenir_de_cet_article\" >-&gt; \u00c0 retenir de cet article :<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#-%3E_Citation_finale_de_cet_article_%F0%9F%98%8E\" >-&gt; Citation finale de cet article \ud83d\ude0e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#FAQ_IA_%E2%80%93_Investir_Performance_Maximale_VS_Strategie_Durable\" >FAQ IA &#8211; Investir : Performance Maximale VS Strat\u00e9gie Durable ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#FAQ_%E2%80%93_SP500_Nasdaq_100_et_strategie_FIRE\" >FAQ \u2013 SP500, Nasdaq 100 et strat\u00e9gie FIRE<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_SP500_ou_Nasdaq_100_lequel_choisir_pour_debuter\" >\u2753 SP500 ou Nasdaq 100 : lequel choisir pour d\u00e9buter ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Le_Nasdaq_100_est-il_trop_risque_pour_le_long_terme\" >\u2753 Le Nasdaq 100 est-il trop risqu\u00e9 pour le long terme ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Peut-on_atteindre_la_liberte_financiere_FIRE_avec_un_ETF_SP500\" >\u2753 Peut-on atteindre la libert\u00e9 financi\u00e8re (FIRE) avec un ETF SP500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Faut-il_privilegier_la_croissance_ou_les_dividendes_pour_FIRE\" >\u2753 Faut-il privil\u00e9gier la croissance ou les dividendes pour FIRE ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Retirer_05_par_mois_est-il_realiste\" >\u2753 Retirer 0,5 % par mois est-il r\u00e9aliste ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Un_portefeuille_diversifie_est-il_forcement_plus_performant\" >\u2753 Un portefeuille diversifi\u00e9 est-il forc\u00e9ment plus performant ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Faut-il_chercher_a_battre_le_marche\" >\u2753 Faut-il chercher \u00e0 battre le march\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Quelle_est_la_meilleure_strategie_pour_un_investisseur_minimaliste\" >\u2753 Quelle est la meilleure strat\u00e9gie pour un investisseur minimaliste ?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-wp-context=\"{&quot;notices&quot;:[],&quot;hideNextPreviousButtons&quot;:false,&quot;isDisabledPrevious&quot;:true,&quot;isDisabledNext&quot;:false,&quot;ariaLabelPrevious&quot;:&quot;Previous products&quot;,&quot;ariaLabelNext&quot;:&quot;Next products&quot;,&quot;collection&quot;:&quot;woocommerce\\\/product-collection\\\/hand-picked&quot;}\" data-wp-init=\"callbacks.onRender\" data-wp-interactive=\"woocommerce\/product-collection\" data-wp-router-region=\"wc-product-collection-0\" data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\t\t<div data-wp-interactive=\"woocommerce\/store-notices\" class=\"wc-block-components-notices alignwide\">\n\t\t\t<template data-wp-each--notice=\"state.notices\" data-wp-each-key=\"context.notice.id\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"wc-block-components-notice-banner\"\n\t\t\t\t\tdata-wp-init=\"callbacks.scrollIntoView\"\n\t\t\t\t\tdata-wp-class--is-error=\"state.isError\"\n\t\t\t\t\tdata-wp-class--is-success=\"state.isSuccess\"\n\t\t\t\t\tdata-wp-class--is-info=\"state.isInfo\"\n\t\t\t\t\tdata-wp-class--is-dismissible=\"context.notice.dismissible\"\n\t\t\t\t\tdata-wp-bind--role=\"state.role\"\n\t\t\t\t\tdata-wp-watch=\"callbacks.injectIcon\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"wc-block-components-notice-banner__content\">\n\t\t\t\t\t\t<span data-wp-init=\"callbacks.renderNoticeContent\" aria-live=\"assertive\" aria-atomic=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<button\n\t\t\t\t\t\tdata-wp-bind--hidden=\"!context.notice.dismissible\"\n\t\t\t\t\t\tclass=\"wc-block-components-button wp-element-button wc-block-components-notice-banner__dismiss contained\"\n\t\t\t\t\t\taria-label=\"Dismiss this notice\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.removeNotice\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n\t\t\t\t\t\t\t<path d=\"M13 11.8l6.1-6.3-1-1-6.1 6.2-6.1-6.2-1 1 6.1 6.3-6.5 6.7 1 1 6.5-6.6 6.5 6.6 1-1z\" \/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/template>\n\t\t<\/div>\n\t\t\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a59048aa66fd&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a59048aa66fd\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" data-attachment-id=\"25993\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/detf-quelle-strategie-boursiere-choisir\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?fit=1024%2C768&amp;ssl=1\" data-orig-size=\"1024,768\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"detf-quelle-strategie-boursiere-choisir\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=1024%2C768&#038;ssl=1\" alt=\"SP500 Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?\" class=\"wp-image-25993\" style=\"aspect-ratio:1.324853473001621;width:196px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?w=1024&amp;ssl=1 1024w, 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https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=200%2C150&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-5151b04e0983617f7b6bc1ae9bf73423 wp-block-paragraph\" style=\"border-width:3px;border-top-left-radius:18px;border-top-right-radius:18px;border-bottom-left-radius:18px;border-bottom-right-radius:18px\">\u26a0\ufe0f Les simulations pr\u00e9sent\u00e9es dans cet article sont bas\u00e9es sur les rendements historiques moyens et la volatilit\u00e9 observ\u00e9e sur les march\u00e9s.<br>Elles ne constituent ni une pr\u00e9vision ni un conseil financier, mais une illustration p\u00e9dagogique de diff\u00e9rentes strat\u00e9gies d\u2019investissement. Investir peut comporter un risque de perte d&#8217;argent. Cet article ne doit pas \u00eatre consid\u00e9r\u00e9 comme un conseil en 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-e7452ee9a40bf28190aeaae4843a0a73\"><span class=\"ez-toc-section\" id=\"Exemple_entre_3_investisseurs_avec_le_meme_montant_de_depart\"><\/span>Exemple entre <strong>3 investisseurs avec le m\u00eame montant de d\u00e9part<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour y r\u00e9pondre concr\u00e8tement, j\u2019ai simul\u00e9 <strong>3 investisseurs<\/strong>, chacun avec <strong>100 000 USD<\/strong>, investis il y a 10 ans dans des strat\u00e9gies diff\u00e9rentes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif est de comprendre combien d&#8217;argent chaque investisseur aurait aujourd&#8217;hui (d\u00e9cembre 2025) avec sa strat\u00e9gie boursi\u00e8re ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Notons que les dividendes sont r\u00e9investis dans chaque strat\u00e9gie<\/strong> !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus tard dans l&#8217;article, nous verrons aussi ce qui se passe lorsqu\u2019on <strong>retire de l\u2019argent chaque mois pour chaque placement boursier<\/strong> \ud83d\ude09<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"border-width:3px\"><span class=\"ez-toc-section\" id=\"Simulation_entre_3_investisseurs_%E2%80%93_SP500_Nasdaq_100_et_portefeuille_diversifie\"><\/span><span style=\"text-decoration: underline;\">Simulation entre 3 investisseurs<\/span> &#8211; (SP500, Nasdaq 100 et portefeuille diversifi\u00e9)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a59048aa735e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a59048aa735e\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"25995\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/sp500-nasdaq-100-ou-portefeuille-detf-quelle-strategie-choisir-3-strategies\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"SP500 Nasdaq 100 ou portefeuille d\u2019ETF quelle strat\u00e9gie choisir  3 strat\u00e9gies\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=600%2C600&#038;ssl=1\" alt=\"SP500 Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?\" class=\"wp-image-25995\" style=\"width:140px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/SP500-Nasdaq-100-ou-portefeuille-dETF-quelle-strategie-choisir-3-strategies.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:3px\"><span class=\"ez-toc-section\" id=\"Investisseur_1_%E2%80%93_Investir_simplement_avec_un_S_P500\"><\/span>Investisseur 1 \u2013 Investir simplement avec un S&amp;P500<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100% ETF <strong>S&amp;P 500 (VOO)<\/strong><a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/voo#performance-fees\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Une strat\u00e9gie ultra-simple, tr\u00e8s populaire chez les investisseurs long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, avec cette strat\u00e9gie, l&#8217;actionnaire investit dans les 500 meilleures actions am\u00e9ricaines (USA).<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-b807bebaa145107c2fc0ba8216b37451 wp-block-paragraph\"><strong>Voici un tableau pour r\u00e9sumer cette strat\u00e9gie<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:2px\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie d&#8217;investissement Sectorielle ou diversifi\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Diversifi\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Actions investies<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 actions US<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion d&#8217;investissement<\/td><td class=\"has-text-align-center\" data-align=\"center\">USA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes \u00e0 pr\u00e9voir<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,4% par ann\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:3px\"><span class=\"ez-toc-section\" id=\"Investisseur_2_%E2%80%93_Viser_la_performance_avec_le_Nasdaq_100_ETF_QQQ\"><\/span>Investisseur 2 \u2013 Viser la performance avec le Nasdaq 100 (ETF QQQ)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100 % ETF <strong>Nasdaq-100 (QQQ)<\/strong><a href=\"https:\/\/www.invesco.com\/qqq-etf\/en\/about.html\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Forte exposition \u00e0 la technologie et \u00e0 la croissance, mais aussi plus de volatilit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, avec cette strat\u00e9gie, l&#8217;actionnaire investit dans les 100 meilleures actions am\u00e9ricaines (USA) selon le Nasdaq.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-39357705eec72e423f427b9fedfc7e69 wp-block-paragraph\"><strong>Voici un tableau pour r\u00e9sumer cette strat\u00e9gie:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:2px\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie d&#8217;investissement Sectorielle ou diversifi\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Peu Diversifi\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Actions investies<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 actions US<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion d&#8217;investissement<\/td><td class=\"has-text-align-center\" data-align=\"center\">USA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes \u00e0 pr\u00e9voir<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5% par ann\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" style=\"border-width:3px\"><span class=\"ez-toc-section\" id=\"Investisseur_3_%E2%80%93_Portefeuille_ETF_diversifie_SP500_Nasdaq_et_monde\"><\/span>Investisseur 3 \u2013 Portefeuille ETF diversifi\u00e9 (SP500, Nasdaq et monde)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>25 % VOO (S&amp;P 500)<\/li>\n\n\n\n<li>25 % QQQ (Nasdaq-100)<\/li>\n\n\n\n<li>10 % VT (monde)<\/li>\n\n\n\n<li>10 % VGT (tech US)<\/li>\n\n\n\n<li>5 % SMH (semi-conducteurs)<\/li>\n\n\n\n<li>5 % VHYL (hauts dividendes monde)<\/li>\n\n\n\n<li>5 % VOOG (croissance US)<\/li>\n\n\n\n<li>5 % CHDVD (dividendes suisses)<\/li>\n\n\n\n<li>5 % MGK (mega-caps growth US)<\/li>\n\n\n\n<li>5 % VYM ( hauts dividendes US)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Une strat\u00e9gie plus complexe, mais \u00e9quilibr\u00e9e entre <strong>croissance, diversification et dividendes<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, avec cette strat\u00e9gie, l&#8217;investisseur m\u00e9lange des ETF \u00e0 forte croissance, des ETF sectoriels dans la technologie, des ETF \u00e0 croissance mixte, des ETF \u00e0 dividendes \u00e9lev\u00e9s, des ETF mondiaux et un ETF r\u00e9gional (dans ce cas, le CHDVD qui investit dans des actions suisses).<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-39357705eec72e423f427b9fedfc7e69 wp-block-paragraph\"><strong>Voici un tableau pour r\u00e9sumer cette strat\u00e9gie:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:2px\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie d&#8217;investissement Sectorielle ou diversifi\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s Diversifi\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Actions investies<\/td><td class=\"has-text-align-center\" data-align=\"center\">Plus de 2&#8217;200 actions<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion d&#8217;investissement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mondial<br>(mais avec un pourcentage \u00e9lev\u00e9 aux USA)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00e9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes \u00e0 pr\u00e9voir<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,2% par ann\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"border-width:3px;border-top-left-radius:11px;border-top-right-radius:11px;border-bottom-left-radius:11px;border-bottom-right-radius:11px\"><strong>Si on analyse le nombre d&#8217;actions et les r\u00e9gions d&#8217;investissements, voici un r\u00e9sum\u00e9 entre les 3 strat\u00e9gies<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:2px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Nombre d&#8217;actions investies<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion d&#8217;investissement<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SP500<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">100% USA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">100% USA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Investisseur 3<\/td><td class=\"has-text-align-center\" data-align=\"center\">Plus de 2&#8217;200 actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u223c 85% USA<br>\u223c 6% Suisse<br>\u223c 9% Reste du monde<br>(hors Suisse et USA)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-left has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-a293c0a2c539ecea1d0769f9571198b7 wp-block-paragraph\">\ud83d\udc49 <strong>Nous concluons que l&#8217;investisseur 3 a sans doute le portefeuille boursier le plus diversifi\u00e9 et celui qui contient le plus d&#8217;actions.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"border-width:5px;border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-left-radius:15px;border-bottom-right-radius:15px\"><span class=\"ez-toc-section\" id=\"SP500_VS_Nasdaq_100_VS_Mix_dETF\"><\/span><strong>SP500 VS Nasdaq 100 VS Mix d&#8217;ETF<\/strong><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-f82c52434671fa9959fdedce961fa730\"><span class=\"ez-toc-section\" id=\"Simulation_de_rendement_SP500_vs_Nasdaq_100_vs_portefeuille_dETF\"><\/span><strong>Simulation de rendement : SP500 vs Nasdaq 100 vs portefeuille d\u2019ETF<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;ai imagin\u00e9 que les 3 investisseurs avaient investi 100&#8217;000 USD il y a 10 ans. Entre-temps, ils n&#8217;ont pas investi un centime de leur poche. En r\u00e9alit\u00e9, ils ont juste r\u00e9investi les dividendes qu&#8217;ils ont gagn\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que l&#8217;objectif pour les 3 actionnaires, c&#8217;est de favoriser un investissement passif simple avec un portefeuille boursier d&#8217;ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour l&#8217;investisseur 1, j&#8217;ai pris en compte l&#8217;ETF VOO qui suit le S&amp;P 500. Pour l&#8217;investisseur 2, j&#8217;ai pris en compte l&#8217;ETF QQQ qui suit le Nasdaq 100.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D&#8217;apr\u00e8s le site officiel de chaque ETF, voici le rendement en 10 ans (de fin 2015 \u00e0 fin 2025):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF VOO (SP500) = 14% annualis\u00e9 en 10 ans, selon le site Vanguard<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF QQQ (Nasdaq 100) = 19% annualis\u00e9 en 10 ans, selon le site Invesco<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne l&#8217;investisseur 3, j&#8217;ai demand\u00e9 \u00e0 ChatGPT le rendement annualis\u00e9 moyen de l&#8217;investisseur 3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investisseur 3 (Mix d&#8217;ETF) = 15,2% annualis\u00e9 en 10 ans<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-1321a699dab45eb8e884292527361ef7 wp-block-paragraph\">\ud83d\udc49 <strong>Nous avons une premi\u00e8re surprise avec l&#8217;investisseur 3. Bien que son portefeuille soit plus diversifi\u00e9 et qu&#8217;il contient 4,5 fois plus d&#8217;actions que l&#8217;ETF SP500. Notons le rendement \u00e0 long terme de l&#8217;investisseur 3 est sup\u00e9rieur d&#8217;environ 1% par an.<\/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-ecf4fb2dfe04c5c9c524b0581e2091ce\"><span class=\"ez-toc-section\" id=\"Simulation_en_chiffres_de_rendement_des_3_investisseurs\"><\/span><strong>Simulation en chiffres de rendement des 3 investisseurs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a59048aac31a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a59048aac31a\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1250\" data-attachment-id=\"25999\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/pexels-photo-585292\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?fit=1880%2C1250&amp;ssl=1\" data-orig-size=\"1880,1250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Miguel \\u00c1. Padri\\u00f1\\u00e1n on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/coins-inside-jar-585292\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;coins inside jar&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-585292\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Miguel \u00c1. Padri\u00f1\u00e1n on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/coins-inside-jar-585292\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?fit=600%2C399&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=1880%2C1250&#038;ssl=1\" alt=\"coins inside jar - SP500 Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?\" class=\"wp-image-25999\" style=\"aspect-ratio:1.489536962389148;width:175px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=600%2C399&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=768%2C511&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=1536%2C1021&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=1200%2C798&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-585292.jpeg?resize=1320%2C878&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Je suis all\u00e9 sur le calculateur d&#8217;int\u00e9r\u00eats compos\u00e9s de Moneyland. Ensuite, j&#8217;ai simul\u00e9 le rendement de chaque strat\u00e9gie boursi\u00e8re en 10 ans. Je rappelle que le montant initial est de 100&#8217;000 USD.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:2px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Montant initial<\/th><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 en 10 ans<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Montant final<br>(10 ans apr\u00e8s)<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">100&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">SP500<\/td><td class=\"has-text-align-center\" data-align=\"center\">14%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>370&#8217;000 USD <\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">19%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>569&#8217;000 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mix d&#8217;ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">15,2%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>411&#8217;000 USD<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-4d1de5838ed32ad8a5d026a3e6002a94 wp-block-paragraph\"><strong>Pendant la p\u00e9riode analys\u00e9e. Nous concluons que le classement concernant le rendement pass\u00e9 est :<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>ETF Nasdaq<\/li>\n\n\n\n<li>Investisseur 3 (Mix d&#8217;ETF)<\/li>\n\n\n\n<li>ETF S&amp;P500<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3478a41d05815fff3fe7e86075be29b6\"><span class=\"ez-toc-section\" id=\"Simulation_FIRE_rendement_des_ETF_SP500_Nasdaq_100_et_portefeuille_mixte_avec_retrait_mensuel_de_05\"><\/span>Simulation FIRE : rendement des ETF SP500, Nasdaq 100 et portefeuille mixte avec retrait mensuel de 0.5%<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-small-font-size wp-block-paragraph\" style=\"border-width:4px;border-top-left-radius:11px;border-top-right-radius:11px;border-bottom-left-radius:11px;border-bottom-right-radius:11px\"><strong>Important \u2013 \u00c0 propos des simulations<\/strong><br>Les graphiques et r\u00e9sultats pr\u00e9sent\u00e9s dans cet article sont des simulations bas\u00e9es sur des rendements historiques moyens et une volatilit\u00e9 r\u00e9aliste.<br>Ils ne reproduisent pas exactement les march\u00e9s r\u00e9els mois par mois et servent uniquement \u00e0 illustrer des comportements possibles des diff\u00e9rentes strat\u00e9gies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;ai r\u00e9alis\u00e9 un graphique avec les donn\u00e9es historiques. En effet, j&#8217;ai cr\u00e9\u00e9 un graphique avec l&#8217;\u00e9volution de chaque investisseur. Par contre, <strong>j&#8217;ai simul\u00e9 un retrait mensuel de 0,5% (6% par an) !<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, dans cette simulation, chaque investisseur a retir\u00e9 0,5% par mois de son portefeuille boursier (dividendes inclus). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quel montant chaque investisseur aurait-il apr\u00e8s 10 ans (en prenant les chiffres de fin 2015 \u00e0 fin 2025) ?\ud83e\udd78<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> Voici le graphique:<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a59048aae1ee&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a59048aae1ee\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"359\" data-attachment-id=\"25923\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/evolution-droite-bourse\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?fit=1188%2C711&amp;ssl=1\" data-orig-size=\"1188,711\" 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=\"\u00e9volution droite bourse\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?fit=600%2C359&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?resize=600%2C359&#038;ssl=1\" alt=\"SP500 Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ? - graphique lisse\n\" class=\"wp-image-25923\" style=\"aspect-ratio:1.64778578784758;width:488px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?resize=600%2C359&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?resize=300%2C180&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?resize=768%2C460&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/evolution-droite-bourse.png?w=1188&amp;ssl=1 1188w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-abdaa4bb7456629d78df6c9f738de1e7 wp-block-paragraph\"><strong>Dans ce cas, selon la simulation r\u00e9alis\u00e9e \u00e0 partir des rendements historiques:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;investisseur 1 (S&amp;P 500), en retirant 0,5% de son portefeuille par mois, <strong>aurait approximativement 200&#8217;000 USD 10 ans apr\u00e8s.<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;investisseur 2 (Nasdaq 100), en retirant 0,5% de son portefeuille par mois, <strong>aurait approximativement 340&#8217;000 USD 10 ans apr\u00e8s.<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;investisseur 3 (Mix d&#8217;ETF), en retirant 0,5% de son portefeuille par mois, <strong>aurait approximativement 240&#8217;000 USD 10 ans apr\u00e8s.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-1f5b92b76f7b14e5482ff5bb323abb87 wp-block-paragraph\">\ud83d\udc49 <strong>Sur la p\u00e9riode \u00e9tudi\u00e9e (2015-2025), nous concluons que la strat\u00e9gie du Nasdaq 100 est la plus efficace pour atteindre la FIRE (libert\u00e9 financi\u00e8re), suivie de la strat\u00e9gie mixte d&#8217;ETF, et du S&amp;P 500 en derni\u00e8re position.<\/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-1baef73d99ae654124a39fe54640ede1\"><span class=\"ez-toc-section\" id=\"Simulation_du_rendement_des_3_investisseurs_avec_retrait_mensuel_de_05_valeurs_realistes\"><\/span><strong>Simulation du rendement des 3 investisseurs, avec retrait mensuel de 0,5% (valeurs r\u00e9alistes)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nous avons analys\u00e9 le graphique pr\u00e9c\u00e9dent, qui \u00e9tait tr\u00e8s int\u00e9ressant. <strong>Cependant, il n&#8217;est pas r\u00e9aliste en tant qu&#8217;actionnaire !<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, <strong>la bourse a des p\u00e9riodes de d\u00e9pression boursi\u00e8re et de forte mont\u00e9e boursi\u00e8re. De ce fait, le rendement est tr\u00e8s irr\u00e9gulier<\/strong> !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cons\u00e9quence, <strong>j&#8217;ai demand\u00e9 \u00e0 ChatGPT un graphique qui utilise les valeurs boursi\u00e8res mensuelles r\u00e9elles, de novembre 2015 \u00e0 novembre 2025, en retirant 0,5% du portefeuille chaque mois.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous allons comprendre que chaque strat\u00e9gie r\u00e9agit tr\u00e8s diff\u00e9remment comparativement au graphique ant\u00e9rieur !<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a59048aaf29c&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a59048aaf29c\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"361\" data-attachment-id=\"25928\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/valeurs-reels-fire\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?fit=1193%2C717&amp;ssl=1\" data-orig-size=\"1193,717\" 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=\"valeurs r\u00e9els FIRE\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?fit=600%2C361&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?resize=600%2C361&#038;ssl=1\" alt=\"SP500 Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ? - graphique r\u00e9el\" class=\"wp-image-25928\" style=\"aspect-ratio:1.6389944086388664;width:483px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?resize=600%2C361&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?resize=300%2C180&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?resize=768%2C462&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/valeurs-reels-FIRE.png?w=1193&amp;ssl=1 1193w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6805c44344b4f3b591f523b1da80034d wp-block-paragraph\">\ud83d\udc49 <strong>Pour cet exemple, nous constatons que pendant les 3 premi\u00e8res ann\u00e9es, les 3 strat\u00e9gies ont des rendements similaires. Cependant, \u00e0 partir du 40\u00e8me mois, le Nasdaq 100 et la strat\u00e9gie mixte d&#8217;ETF augmentent fortement de valeur, en particulier le Nasdaq 100 !<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici le rendement final:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nasdaq 100 = 490&#8217;000 USD, 10 ans apr\u00e8s<\/li>\n\n\n\n<li>Mix d&#8217;ETF = 240&#8217;000 USD, 10 ans apr\u00e8s<\/li>\n\n\n\n<li>SP500 = 120&#8217;000 USD, 10 ans apr\u00e8s<\/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-06367c27fbbcbaf8836bc4dfdb65eec1\"><span class=\"ez-toc-section\" id=\"Pour_linvestisseur_3_mix_dETF_comment_retirer_chaque_mois\"><\/span><strong>Pour l&#8217;investisseur 3 (mix d&#8217;ETF), comment retirer chaque mois<\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne un ETF SP500 ou un ETF Nasdaq 100, il est simple de retirer 0.5% chaque mois. Car il n&#8217;y a qu&#8217;un seul ETF !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par contre, dans cet exemple, la strat\u00e9gie mix d&#8217;ETF comporte 10 ETF. Comment savoir quel ETF faut-il retirer chaque mois?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investissement long terme, en r\u00e9alit\u00e9, <strong>il suffit de retirer selon la croissance du march\u00e9<\/strong> !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, en p\u00e9riode de d\u00e9pression boursi\u00e8re, il vaut mieux retirer 0,5% par mois concernant les ETF \u00e0 dividendes \u00e9lev\u00e9s, tandis qu&#8217;en p\u00e9riode de forte hausse, il est pr\u00e9f\u00e9rable de retirer 0.5% concernant les ETF \u00e0 croissance.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-a40a5cfd735a7def290affb5d4b5546d wp-block-paragraph\">Le plus important, selon mon opinion, <strong>c&#8217;est de vendre un petit pourcentage de sa strat\u00e9gie boursi\u00e8re chaque mois, en ayant un \u00e9quilibre entre :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Conserver une strat\u00e9gie raisonnable de son portefeuille boursier<\/li>\n\n\n\n<li>S&#8217;adapter \u00e0 la valeur du march\u00e9 boursier<\/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-38540b6bce868f7fa5a01d2b7c568d60\"><span class=\"ez-toc-section\" id=\"Au_niveau_de_la_fiscalite_quel_investisseur_paiera_le_moins_dimpots\"><\/span><strong>Au niveau de la fiscalit\u00e9, quel investisseur paiera le moins d&#8217;imp\u00f4ts ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a59048ab04ee&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a59048ab04ee\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" data-attachment-id=\"25997\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/pexels-photo-4386367\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Karola G on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/quote-board-on-top-of-cash-bills-4386367\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;quote board on top of cash bills&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-4386367\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Karola G on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/quote-board-on-top-of-cash-bills-4386367\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=1880%2C1253&#038;ssl=1\" alt=\"quote board on top of cash bills\" class=\"wp-image-25997\" style=\"aspect-ratio:1.486046999580361;width:146px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/pexels-photo-4386367.jpeg?resize=1320%2C880&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-f6cba40a53d344ac6b13dd48954d0a79 wp-block-paragraph\"><strong>En Suisse et dans la majorit\u00e9 des pays, favoriser la croissance boursi\u00e8re est moins imposable comparativement aux dividendes \u00e9lev\u00e9s !<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, si dans ton pays de r\u00e9sidence, l&#8217;imposition boursi\u00e8re est similaire au cadre fiscal suisse, <strong>l&#8217;investisseur qui obtient le plus de croissance boursi\u00e8re et recevra le moins de dividendes sera le grand gagnant en fiscalit\u00e9 boursi\u00e8re<\/strong> !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici, selon les donn\u00e9es historiques, les dividendes re\u00e7us et la croissance de chaque strat\u00e9gie, pour la p\u00e9riode \u00e9tudi\u00e9e :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:2px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dividendes re\u00e7us par ann\u00e9e<br>(en moyenne)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Croissance annuelle sans dividendes<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">SP500<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,5%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>12,5%<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>18,5%<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Mix d&#8217;ETF Investisseur 3<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,2%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>14%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-872d855da6d9368ba26f606e5b8a38b6 wp-block-paragraph\">\ud83d\udc49 <strong>En conclusion, en mati\u00e8re de fiscalit\u00e9, pendant la p\u00e9riode que j&#8217;ai analys\u00e9e, pour un r\u00e9sident suisse, le Nasdaq 100 est le moins imposable, suivi de l&#8217;investisseur 3 (mix d&#8217;ETF), tandis que le SP500 est la strat\u00e9gie la moins int\u00e9ressante des trois<\/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-ee1f7ef440e3d52f8d0c87c22b413063\"><span class=\"ez-toc-section\" id=\"Quel_placement_a_le_moins_de_commissions\"><\/span><strong>Quel placement a le moins de commissions<\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En relation avec les commissions et les frais de gestion annuels, les 3 placements ont des commissions acceptables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne le compte de trading, si \u00e0 chaque placement, l&#8217;actionnaire investit une fois par mois dans un compte de trading bon march\u00e9, les frais li\u00e9s au compte de trading seront autour de 3 USD ou 0,5% + frais de change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concernant la gestion TER (frais de gestion de l&#8217;ETF), voici combien l&#8217;actionnaire payera pour chaque strat\u00e9gie.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF VOO (SP500) = 0.03%<\/li>\n\n\n\n<li>ETF QQQ (Nasdaq) = 0.20%<\/li>\n\n\n\n<li>Mix d&#8217;ETF (investisseur 3) =  \u223c0.12%<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-dc023ef2299d030b250ccc443d4a96f5 wp-block-paragraph\">\ud83d\udc49 <strong>Nous concluons que l&#8217;ETF S&amp;P 500 est le plus int\u00e9ressant en ce qui concerne les commissions. Par contre, les 3 strat\u00e9gies boursi\u00e8res ont des commissions tr\u00e8s faibles.<\/strong><\/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-fbb7f122b3d4822bfc7724df1d00ccd5\"><span class=\"ez-toc-section\" id=\"Conclusion_%E2%80%93_SP500_Nasdaq_100_ou_portefeuille_dETF_quelle_strategie_choisir\"><\/span>Conclusion &#8211; SP500, Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-54a312697451fe496df43dfafcfc2850 wp-block-paragraph\"><strong>Voici un tableau afin de r\u00e9sumer cet article<\/strong>. SP500, Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?  \ud83d\ude09<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:2px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>ETF SP500, ETF Nasdaq 100 ou Mix d&#8217;ETF?<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">L&#8217;investissement le plus diversifi\u00e9?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investisseur 3 (mix d&#8217;ETF)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">L&#8217;investissement avec le plus d&#8217;actions?<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investisseur 3 (mix d&#8217;ETF)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Historiquement, quel placement permet d&#8217;\u00eatre FIRE le plus facilement?<\/td><td class=\"has-text-align-center\" data-align=\"center\">1) ETF Nasdaq<br>2) Mix d&#8217;ETF<br>3) ETF SP500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Quel investissement est le moins imposable?<\/td><td class=\"has-text-align-center\" data-align=\"center\">1) ETF Nasdaq<br>2) Mix d&#8217;ETF<br>3) ETF SP500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Quel placement demande le moins de commissions?<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF SP500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">L&#8217;investissement qui a le moins de fluctuations de prix?<\/td><td class=\"has-text-align-center\" data-align=\"center\">ETF SP500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-303119711ba8bae38f8a9c1284523928\"><span class=\"ez-toc-section\" id=\"-%3E_A_retenir_de_cet_article\"><\/span>-&gt; <strong>\u00c0 retenir de cet article :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pour devenir FIRE, pendant la p\u00e9riode analys\u00e9e, la meilleure strat\u00e9gie est l&#8217;ETF Nasdaq. De plus, c&#8217;est le placement le moins imposable. En revanche, c&#8217;est aussi le placement avec la valeur la plus instable et le moins diversifi\u00e9 !<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;investisseur 3, qui mixe des ETF de croissance et des ETF \u00e0 hauts dividendes, a obtenu, pendant la p\u00e9riode compar\u00e9e, un rendement sup\u00e9rieur \u00e0 celui du SP500.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dans ce sc\u00e9nario, l&#8217;investisseur 3 a pay\u00e9 moins d&#8217;imp\u00f4ts rendement comparativement \u00e0 l&#8217;ETF S&amp;P 500. Cependant, l&#8217;investisseur 3 a pay\u00e9 plus d&#8217;imp\u00f4t que l&#8217;ETF Nasdaq.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;investisseur 3 est le placement le plus diversifi\u00e9 des 3 strat\u00e9gies. Il d\u00e9tient au moins 4 fois plus d&#8217;actions que les autres et c&#8217;est le seul placement \u00e0 investir environ 15% de son portefeuille dans des actions \u00e9trang\u00e8res aux USA.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-e3d02fd69a2f9be83b7f8adfa8c3103d\"><span class=\"ez-toc-section\" id=\"-%3E_Citation_finale_de_cet_article_%F0%9F%98%8E\"><\/span><strong>-&gt; Citation finale de cet article<\/strong> \ud83d\ude0e<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-text-color has-link-color wp-elements-9d927fc0d48cb92059c7f743fd1aefe1 wp-block-paragraph\" style=\"color:#ffe6f7\"><strong><em>&#8221;La meilleure strat\u00e9gie d\u2019investissement n\u2019est pas toujours celle qui g\u00e9n\u00e8re le plus de gains, mais celle qui s&#8217;adapte le mieux au march\u00e9 boursier&#8221;<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-041535c6175c5fe25c38d1e5b24bc4e3\"><span class=\"ez-toc-section\" id=\"FAQ_IA_%E2%80%93_Investir_Performance_Maximale_VS_Strategie_Durable\"><\/span><strong>FAQ IA &#8211; Investir : Performance Maximale VS Strat\u00e9gie Durable <\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_SP500_Nasdaq_100_et_strategie_FIRE\"><\/span>FAQ \u2013 SP500, Nasdaq 100 et strat\u00e9gie FIRE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_SP500_ou_Nasdaq_100_lequel_choisir_pour_debuter\"><\/span>\u2753 SP500 ou Nasdaq 100 : lequel choisir pour d\u00e9buter ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investisseur d\u00e9butant, le <strong>S&amp;P 500<\/strong> est g\u00e9n\u00e9ralement plus adapt\u00e9.<br>Il offre une large diversification sectorielle, une volatilit\u00e9 mod\u00e9r\u00e9e et une exposition aux plus grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>Nasdaq 100<\/strong>, plus concentr\u00e9 sur la technologie, peut offrir un rendement sup\u00e9rieur sur certaines p\u00e9riodes, mais avec des fluctuations plus importantes, parfois difficiles \u00e0 supporter psychologiquement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Pour d\u00e9buter sereinement, le S&amp;P 500 est souvent le meilleur choix.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Le_Nasdaq_100_est-il_trop_risque_pour_le_long_terme\"><\/span>\u2753 Le Nasdaq 100 est-il trop risqu\u00e9 pour le long terme ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le Nasdaq 100 n\u2019est pas \u201cmauvais\u201d sur le long terme, mais il est <strong>plus volatil<\/strong>.<br>Sur certaines d\u00e9cennies, il peut largement surperformer\u2026 et sur d\u2019autres, conna\u00eetre de longues p\u00e9riodes de stagnation ou de fortes baisses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Il convient surtout aux investisseurs capables de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>supporter de fortes variations<\/li>\n\n\n\n<li>rester investis pendant les phases de baisse<\/li>\n\n\n\n<li>accepter une forte d\u00e9pendance au secteur technologique<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Peut-on_atteindre_la_liberte_financiere_FIRE_avec_un_ETF_SP500\"><\/span>\u2753 Peut-on atteindre la libert\u00e9 financi\u00e8re (FIRE) avec un ETF SP500 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, tout \u00e0 fait.<br>De nombreux investisseurs ont atteint la libert\u00e9 financi\u00e8re en investissant principalement dans le S&amp;P 500, gr\u00e2ce \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la croissance \u00e9conomique am\u00e9ricaine<\/li>\n\n\n\n<li>l\u2019effet des int\u00e9r\u00eats compos\u00e9s<\/li>\n\n\n\n<li>une discipline d\u2019investissement sur le long terme<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 La cl\u00e9 n\u2019est pas de battre le march\u00e9, mais de <strong>rester investi suffisamment longtemps<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Faut-il_privilegier_la_croissance_ou_les_dividendes_pour_FIRE\"><\/span>\u2753 Faut-il privil\u00e9gier la croissance ou les dividendes pour FIRE ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cela d\u00e9pend de ta phase de vie.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Phase d\u2019accumulation<\/strong> : la croissance est souvent plus efficace<\/li>\n\n\n\n<li><strong>Phase de retrait<\/strong> : les dividendes apportent plus de stabilit\u00e9 psychologique<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un portefeuille mixte (croissance + dividendes) permet souvent de <strong>r\u00e9duire le stress<\/strong> tout en conservant un bon potentiel de rendement.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Retirer_05_par_mois_est-il_realiste\"><\/span>\u2753 Retirer 0,5 % par mois est-il r\u00e9aliste ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un retrait de <strong>0,5 % par mois (6 % par an)<\/strong> est possible, mais il comporte des risques, surtout en cas de fortes baisses de march\u00e9 au d\u00e9but de la p\u00e9riode de retrait.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Le danger principal est le <strong>sequence of returns risk<\/strong> :<br>C&#8217;est-\u00e0-dire, retirer de l\u2019argent pendant une mauvaise p\u00e9riode peut fortement impacter le capital \u00e0 long terme.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Un_portefeuille_diversifie_est-il_forcement_plus_performant\"><\/span>\u2753 Un portefeuille diversifi\u00e9 est-il forc\u00e9ment plus performant ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Non.<br>La diversification r\u00e9duit surtout le <strong>risque extr\u00eame<\/strong>, pas n\u00e9cessairement le rendement maximal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un portefeuille tr\u00e8s diversifi\u00e9 peut :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mieux r\u00e9sister aux crises<\/li>\n\n\n\n<li>offrir une exp\u00e9rience plus confortable<\/li>\n\n\n\n<li>r\u00e9duire les erreurs \u00e9motionnelles<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 En investissement frugaliste, la performance doit \u00eatre <strong>durable<\/strong>, pas spectaculaire.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Faut-il_chercher_a_battre_le_marche\"><\/span>\u2753 Faut-il chercher \u00e0 battre le march\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la majorit\u00e9 des cas, non.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreuses \u00e9tudes montrent que :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>battre le march\u00e9 sur le long terme est difficile<\/li>\n\n\n\n<li>la simplicit\u00e9 est souvent plus efficace<\/li>\n\n\n\n<li>les frais, les erreurs \u00e9motionnelles et le timing font plus de d\u00e9g\u00e2ts que le manque de performance<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Faire moins, mais mieux<\/strong>, est souvent la meilleure strat\u00e9gie.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Quelle_est_la_meilleure_strategie_pour_un_investisseur_minimaliste\"><\/span>\u2753 Quelle est la meilleure strat\u00e9gie pour un investisseur minimaliste ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>simple \u00e0 comprendre<\/li>\n\n\n\n<li>facile \u00e0 maintenir<\/li>\n\n\n\n<li>adapt\u00e9e \u00e0 ton niveau de stress<\/li>\n\n\n\n<li>align\u00e9e avec ton mode de vie<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Le meilleur portefeuille n\u2019est pas universel,<br>\ud83d\udc49 C\u2019est celui que <strong>tu peux tenir pendant les p\u00e9riodes difficiles<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Et toi, quelle strat\u00e9gie te permettrait de dormir tranquille pendant un krach boursier ?<\/strong><\/em> \ud83e\udd2d<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-cfeb3dbba96af76ec39a028b62fa3414 wp-block-paragraph\"><strong>SP500, Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong> \u270d<\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=25897\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-77b97fe5 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/les-5-erreurs-a-eviter-quand-on-debute-en-bourse\/\">Les 5 erreurs \u00e0 \u00e9viter quand on d\u00e9bute en bourse<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-en-bourse-le-guide-complet-pour-debutant-en-7-etapes\/\">Comment investir en bourse ? Le guide complet pour d\u00e9butant en 7 \u00e9tapes<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-inflation-influence-richesse\/\">Comment l&#8217;Inflation influence ta richesse?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-annees-atteindre-liberte-financiere-fire\/\">Combien d&#8217;ann\u00e9es pour atteindre sa libert\u00e9 financi\u00e8re FIRE?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/\">R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3f93acef4b70ccc4ca10ffce460f03fd wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5daf2f135bed92bf2dd6844d889bcc42\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-text-align-center has-background-color has-text-color has-link-color wp-elements-e738d2b7dec7a767f2a22eaedd6fc121 wp-block-paragraph\">SP500, Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faut-il investir simplement dans le S&#038;P 500 ou chercher plus de performance avec le Nasdaq ou un portefeuille d\u2019ETF ?<br \/>\nCet article compare trois strat\u00e9gies analys\u00e9es sur 10 ans, avec dividendes r\u00e9investis et retraits mensuels. Afin de comprendre laquelle est la plus durable \u00e0 long terme \ud83d\ude0e<\/p>","protected":false},"author":215552267,"featured_media":25991,"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":[728543237,728542816,728542845,728545226,728545284,728544573,728545229,728545231,728545279,728545280,728545283,728545281,728543323,728545285,728545282],"class_list":["post-25897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-dividende","tag-etf","tag-fire","tag-indices-boursiers","tag-investir-bourse","tag-investissement-passif","tag-liberte-financiere","tag-minimalisme-financier","tag-nasdaq-100","tag-portefeuille-etf","tag-rendement-long-terme","tag-retrait-mensuel","tag-sp500","tag-strategie-dinvestisement","tag-volatilite-en-bourse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SP500 Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"SP500 Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ? 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