{"id":25897,"date":"2026-01-01T14:37:47","date_gmt":"2026-01-01T13:37:47","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=25897"},"modified":"2026-09-22T13:35:30","modified_gmt":"2026-09-22T11:35:30","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-1 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_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/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\/#Introduction\" >Introduction<\/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\/#Exemple_entre_trois_investisseurs_avec_le_meme_montant_de_depart\" >Exemple entre trois 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-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#Simulation_entre_trois_investisseurs_S_P_500_Nasdaq_100_et_portefeuille_dETF\" >Simulation entre trois investisseurs : S&amp;P 500, Nasdaq 100 et portefeuille d\u2019ETF<\/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_1_%E2%80%93_100_S_P_500\" >Investisseur 1 \u2013 100% S&amp;P 500<\/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\/#Allocation\" >Allocation<\/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\/#Investisseur_2_%E2%80%93_Viser_la_croissance_avec_le_Nasdaq_100\" >Investisseur 2 \u2013 Viser la croissance avec le Nasdaq 100<\/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\/#Allocation-2\" >Allocation<\/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\/#Investisseur_3_%E2%80%93_Portefeuille_dETF_diversifie\" >Investisseur 3 \u2013 Portefeuille d\u2019ETF diversifi\u00e9<\/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\/#Resume_des_trois_strategies\" >R\u00e9sum\u00e9 des trois strat\u00e9gies<\/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\/#Les_10_principales_actions_de_chaque_strategie\" >Les 10 principales actions de chaque strat\u00e9gie<\/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\/#S_P_500_vs_Nasdaq_100_vs_portefeuille_dETF\" >S&amp;P 500 vs Nasdaq 100 vs portefeuille d\u2019ETF<\/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\/#Simulation_des_rendements_historiques\" >Simulation des rendements historiques<\/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\/#Simulation_en_chiffres_avec_un_investissement_initial_de_100000_USD\" >Simulation en chiffres avec un investissement initial de 100\u2019000 USD<\/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\/#Pourquoi_le_portefeuille_dETF_a-t-il_fait_mieux_que_VOO\" >Pourquoi le portefeuille d\u2019ETF a-t-il fait mieux que VOO ?<\/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\/#Simulation_FIRE_que_se_passe-t-il_avec_un_retrait_mensuel\" >Simulation FIRE : que se passe-t-il avec un retrait mensuel ?<\/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\/#Simulation_FIRE_avec_un_retrait_mensuel_de_05\" >Simulation FIRE avec un retrait mensuel de 0,5 %<\/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\/#Resultat_estime_apres_dix_ans\" >R\u00e9sultat estim\u00e9 apr\u00e8s dix ans<\/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\/#Simulation_FIRE_avec_les_fluctuations_reelles_de_la_bourse\" >Simulation FIRE avec les fluctuations r\u00e9elles de la bourse<\/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\/#Pour_le_portefeuille_dETF_comment_retirer_de_largent_chaque_mois\" >Pour le portefeuille d\u2019ETF, comment retirer de l\u2019argent chaque mois ?<\/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\/#Fiscalite_croissance_ou_dividendes\" >Fiscalit\u00e9 : croissance ou dividendes<\/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\/#Quel_placement_possede_les_frais_les_plus_faibles\" >Quel placement poss\u00e8de les frais les plus faibles ?<\/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\/#Resume_des_frais\" >R\u00e9sum\u00e9 des frais<\/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\/#Conclusion_S_P_500_Nasdaq_100_ou_portefeuille_dETF_quelle_strategie_choisir\" >Conclusion : S&amp;P 500, 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-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#A_retenir_de_cet_article\" >\u00c0 retenir de cet article<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#FAQ_S_P_500_Nasdaq_100_et_portefeuille_dETF\" >FAQ : S&amp;P 500, Nasdaq 100 et portefeuille d\u2019ETF<\/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_S_P_500_ou_Nasdaq_100_lequel_choisir_pour_debuter\" >\u2753 S&amp;P 500 ou Nasdaq 100 : lequel choisir pour d\u00e9buter ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-31\" 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-32\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Peut-on_atteindre_la_liberte_financiere_avec_un_ETF_S_P_500\" >\u2753 Peut-on atteindre la libert\u00e9 financi\u00e8re avec un ETF S&amp;P 500 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Le_portefeuille_de_sept_ETF_est-il_reellement_diversifie\" >\u2753 Le portefeuille de sept ETF est-il r\u00e9ellement diversifi\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-34\" 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-35\" 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-36\" 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-37\" 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-38\" href=\"https:\/\/minimalistefrugaliste.com\/en\/sp500-nasdaq-portefeuille-etf-quelle-strategie-choisir\/#%E2%9D%93_Quelle_strategie_convient_a_un_investisseur_minimaliste\" >\u2753 Quelle strat\u00e9gie convient \u00e0 un investisseur minimaliste ?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-background has-link-color wp-elements-2 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;background-color:#470000\">\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><strong>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.<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad447ab7c671&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad447ab7c671\" 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-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, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/12\/detf-quelle-strategie-boursiere-choisir.png?resize=400%2C300&amp;ssl=1 400w, 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<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quand on commence \u00e0 investir en bourse, quelques question se posent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>faut-il rechercher la performance maximale ou construire une strat\u00e9gie plus diversifi\u00e9e et durable ?<\/em><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Est-il pr\u00e9f\u00e9rable simplement investir dans un ETF qui suit le S&amp;P 500 ?<\/em><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Faut-il privil\u00e9gier le Nasdaq 100 pour profiter davantage de la croissance des grandes entreprises technologiques ?<\/em><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Est-il pr\u00e9f\u00e9rable de combiner plusieurs ETF afin de cr\u00e9er un portefeuille plus personnalis\u00e9 ?<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous allons comparer trois strat\u00e9gies d\u2019investissement :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>100% S&amp;P 500 avec l\u2019ETF VOO<\/strong><\/li>\n\n\n\n<li><strong>100% Nasdaq 100 avec l\u2019ETF QQQ<\/strong><\/li>\n\n\n\n<li><strong>Un portefeuille compos\u00e9 de plusieurs ETF<\/strong>, avec une exposition importante aux \u00c9tats-Unis, mais aussi une exposition aux grandes entreprises de croissance, aux march\u00e9s mondiaux, aux actions suisses et aux soci\u00e9t\u00e9s versant des dividendes \u00e9lev\u00e9s.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif n\u2019est pas de d\u00e9terminer une strat\u00e9gie universellement meilleure que les autres. Il s\u2019agit plut\u00f4t de comprendre les avantages, les limites et les r\u00e9sultats historiques de chaque approche.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#3e0404\">\u26a0\ufe0f Les simulations pr\u00e9sent\u00e9es dans cet article reposent sur les rendements historiques observ\u00e9s sur certaines hypoth\u00e8ses de calcul. Elles ne constituent ni une pr\u00e9vision ni un conseil financier. Les performances pass\u00e9es ne garantissent pas les performances futures. Investir en bourse comporte un risque de perte en capital.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Exemple_entre_trois_investisseurs_avec_le_meme_montant_de_depart\"><\/span>Exemple entre trois investisseurs avec le m\u00eame montant de d\u00e9part<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons trois investisseurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chacun investit <strong>100\u2019000 USD<\/strong> au d\u00e9but de la p\u00e9riode \u00e9tudi\u00e9e (2016-2025) et conserve son investissement pendant dix ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pendant cette p\u00e9riode :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>aucun investisseur n\u2019ajoute d\u2019argent <\/li>\n\n\n\n<li>les dividendes sont r\u00e9investis <\/li>\n\n\n\n<li>les ETF sont conserv\u00e9s sur le long terme <\/li>\n\n\n\n<li>le portefeuille compos\u00e9 de plusieurs ETF est r\u00e9\u00e9quilibr\u00e9 r\u00e9guli\u00e8rement afin de conserver ses pond\u00e9rations initiales.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif est de comprendre combien chaque investisseur aurait pu obtenir apr\u00e8s dix ans avec une strat\u00e9gie diff\u00e9rente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus loin dans l\u2019article, nous analyserons \u00e9galement ce qui pourrait se produire si chaque investisseur commen\u00e7ait \u00e0 retirer une partie de son portefeuille chaque mois dans le cadre d\u2019une strat\u00e9gie FIRE.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"Simulation_entre_trois_investisseurs_S_P_500_Nasdaq_100_et_portefeuille_dETF\"><\/span>Simulation entre trois investisseurs : S&amp;P 500, Nasdaq 100 et portefeuille d\u2019ETF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Investisseur_1_%E2%80%93_100_S_P_500\"><\/span>Investisseur 1 \u2013 100% S&amp;P 500<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Allocation\"><\/span>Allocation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>100% ETF VOO<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">VOO est un ETF qui suit l\u2019indice S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette strat\u00e9gie est extr\u00eamement simple : l\u2019investisseur ach\u00e8te un seul ETF et obtient une exposition aux grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le S&amp;P 500 comprend environ 500 grandes soci\u00e9t\u00e9s cot\u00e9es aux \u00c9tats-Unis. Il offre une diversification entre plusieurs secteurs, par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la technologie <\/li>\n\n\n\n<li>la sant\u00e9 <\/li>\n\n\n\n<li>la finance <\/li>\n\n\n\n<li>l\u2019industrie <\/li>\n\n\n\n<li>l\u2019\u00e9nergie <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si le portefeuille contient plusieurs centaines d\u2019entreprises, il reste enti\u00e8rement expos\u00e9 au march\u00e9 am\u00e9ricain.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Caract\u00e9ristique<\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF S&amp;P 500<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/td><td class=\"has-text-align-center\" data-align=\"center\">Diversifi\u00e9e aux \u00c9tats-Unis<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion principale<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Niveau de concentration<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mod\u00e9r\u00e9<\/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 historiques<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 1 % \u00e0 2 % par ann\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\">\ud83d\udc49<strong> Cette strat\u00e9gie convient particuli\u00e8rement aux investisseurs qui recherchent la simplicit\u00e9, une bonne diversification aux actions am\u00e9ricaines et souhaitent \u00e9viter de g\u00e9rer plusieurs ETF.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left has-pale-pink-color has-text-color has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Investisseur_2_%E2%80%93_Viser_la_croissance_avec_le_Nasdaq_100\"><\/span>Investisseur 2 \u2013 Viser la croissance avec le Nasdaq 100<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Allocation-2\"><\/span>Allocation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>100 % ETF QQQ<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">QQQ suit le Nasdaq-100, un indice compos\u00e9 de grandes entreprises non financi\u00e8res cot\u00e9es sur le Nasdaq.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Nasdaq 100 est fortement orient\u00e9 vers les entreprises technologiques et les soci\u00e9t\u00e9s de croissance. Il contient notamment des entreprises actives dans :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les logiciels <\/li>\n\n\n\n<li>les semi-conducteurs <\/li>\n\n\n\n<li>l\u2019intelligence artificielle <\/li>\n\n\n\n<li>les services num\u00e9riques <\/li>\n\n\n\n<li>les t\u00e9l\u00e9communications <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le Nasdaq 100 a connu une performance exceptionnelle pendant la derni\u00e8re d\u00e9cennie. Cependant, son rendement \u00e9lev\u00e9 s\u2019est accompagn\u00e9 d\u2019une concentration importante dans certaines grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Caract\u00e9ristique<\/th><th class=\"has-text-align-center\" data-align=\"center\">ETF Nasdaq 100<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance am\u00e9ricaine<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 100<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion principale<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Exposition technologique<\/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\">Volatilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes historiques<\/td><td class=\"has-text-align-center\" data-align=\"center\">G\u00e9n\u00e9ralement faibles (environ 0,5%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9 wp-block-paragraph\">\ud83d\udc49<strong> Le Nasdaq 100 peut offrir un potentiel de croissance sup\u00e9rieur, mais il peut \u00e9galement conna\u00eetre des baisses importantes et de longues p\u00e9riodes de sous-performance.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Investisseur_3_%E2%80%93_Portefeuille_dETF_diversifie\"><\/span>Investisseur 3 \u2013 Portefeuille d\u2019ETF diversifi\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;ai simul\u00e9 l&#8217;investisseur 3 avec ce portefeuille d&#8217;ETF diversifi\u00e9:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">ETF<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pond\u00e9ration<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">VOO \u2013 S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">QQQ \u2013 Nasdaq 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VT \u2013 Actions mondiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">MGK \u2013 Grandes entreprises am\u00e9ricaines de croissance<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">CHDVD \u2013 Actions suisses \u00e0 dividendes<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VHYL \u2013 Actions mondiales \u00e0 dividendes \u00e9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">5 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VYM \u2013 Actions am\u00e9ricaines \u00e0 dividendes \u00e9lev\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">5 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>100 %<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Cette strat\u00e9gie combine plusieurs approches :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>30 % dans VOO<\/strong>, pour s&#8217;exposer \u00e0 une tr\u00e8s grande partie du march\u00e9 boursier am\u00e9ricain (environ 80%)<\/li>\n\n\n\n<li><strong>30% dans QQQ,<\/strong> afin de se concentrer sur les 100 meilleures actions am\u00e9ricaines \u00e0 croissance selon Nasdaq<\/li>\n\n\n\n<li><strong>10 % dans MGK<\/strong>, afin d\u2019augmenter l\u2019exposition aux grandes soci\u00e9t\u00e9s am\u00e9ricaines de croissance <\/li>\n\n\n\n<li><strong>10 % dans VT<\/strong>, afin d\u2019obtenir une diversification mondiale <\/li>\n\n\n\n<li><strong>10 % dans CHDVD<\/strong>, afin d\u2019ajouter une exposition aux entreprises suisses et aux dividendes suisses<\/li>\n\n\n\n<li><strong>5 % dans VHYL<\/strong>, afin d\u2019investir dans des soci\u00e9t\u00e9s mondiales versant des dividendes \u00e9lev\u00e9s<\/li>\n\n\n\n<li><strong>5 % dans VYM<\/strong>, afin d\u2019ajouter des entreprises am\u00e9ricaines \u00e0 dividendes \u00e9lev\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce portefeuille est plus complexe que VOO ou QQQ seuls. Il contient plusieurs milliers d\u2019actions sous-jacentes gr\u00e2ce aux ETF mondiaux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il est important de comprendre que le nombre \u00e9lev\u00e9 d\u2019actions ne signifie pas que le portefeuille est totalement \u00e9quilibr\u00e9 entre les r\u00e9gions. En r\u00e9alit\u00e9, ce portefeuille est \u00e0 environ 85% investi aux \u00e9tats-unis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille est donc <strong>diversifi\u00e9 par le nombre de soci\u00e9t\u00e9s et il est environ 15% investit hors USA<\/strong>, mais reste <strong>fortement concentr\u00e9 sur les \u00c9tats-Unis et les grandes entreprises de croissance am\u00e9ricaines.<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-11\"><strong>Voici un r\u00e9sum\u00e9 du portefeuille :<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Caract\u00e9ristique<\/th><th class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mixer Croissance, diversification et dividendes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019actions sous-jacentes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Plusieurs milliers<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion principale<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis (environ 85 %)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Exposition internationale<br>(suisse inclus)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00e9sente (environ 15 % )<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Exposition suisse<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pr\u00e9sente<br>(Environ 7 %)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Volatilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Plut\u00f4t \u00c9lev\u00e9e<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dividendes estim\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 1 % \u00e0 1,5 % par ann\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Resume_des_trois_strategies\"><\/span>R\u00e9sum\u00e9 des trois strat\u00e9gies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Nombre approximatif d\u2019actions<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00e9gion dominante<\/th><th class=\"has-text-align-center\" data-align=\"center\">Complexit\u00e9<\/th><th class=\"has-text-align-center\" data-align=\"center\">Objetif principal de la strat\u00e9gie<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500 \u2013 VOO<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance diversifi\u00e9e US<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq 100 \u2013 QQQ<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faible<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance US avec forte volatilit\u00e9<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">Plusieurs milliers<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9tats-Unis avec diversification internationale<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Croissance US,  mais diversifi\u00e9e avec une strat\u00e9gie globale et dividendes \u00e9lev\u00e9s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-13 wp-block-paragraph\"><strong>\ud83d\udc49 Le portefeuille d\u2019ETF poss\u00e8de le plus grand nombre de soci\u00e9t\u00e9s et la plus grande diversit\u00e9 g\u00e9ographique.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il ne faut pas confondre <strong>diversification<\/strong> et <strong>absence de concentration<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les positions VOO, QQQ et MGK se chevauchent fortement. Les grandes entreprises am\u00e9ricaines de croissance representent une part tr\u00e8s importante du portefeuille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"Les_10_principales_actions_de_chaque_strategie\"><\/span>Les 10 principales actions de chaque strat\u00e9gie<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Avant d&#8217;examiner le rendement de chaque strat\u00e9gie, j&#8217;ai pens\u00e9 qu&#8217;il serait utile d&#8217;analyser les 10 actions principales et leur poids dans le portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que les pourcentages ci-dessous sont des estimations et peuvent \u00e9voluer selon les march\u00e9s et les pond\u00e9rations des ETF.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--6\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Rang<\/th><th class=\"has-text-align-center\" data-align=\"center\">VOO \u2013 S&amp;P 500<\/th><th class=\"has-text-align-center\" data-align=\"center\">QQQ \u2013 Nasdaq 100<\/th><th class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">Apple \u2013 ~7 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">NVIDIA \u2013 ~9 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">NVIDIA \u2013 ~6 \u00e0 7 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">Microsoft \u2013 ~6 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Microsoft \u2013 ~8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Apple \u2013 ~6 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">NVIDIA \u2013 ~6 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Apple \u2013 ~8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Microsoft \u2013 ~6 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amazon \u2013 ~4 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amazon \u2013 ~6 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amazon \u2013 ~4 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">Meta \u2013 ~3 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Broadcom \u2013 ~5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Broadcom \u2013 ~3 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">6<\/td><td class=\"has-text-align-center\" data-align=\"center\">Alphabet \u2013 ~3 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Meta \u2013 ~5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Meta \u2013 ~3 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">Broadcom \u2013 ~2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Alphabet \u2013 ~5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Alphabet \u2013 ~3 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">8<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tesla \u2013 ~2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tesla \u2013 ~3 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tesla \u2013 ~2 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Berkshire Hathaway \u2013 ~2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Netflix \u2013 ~2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Nestl\u00e9 \u2013 ~1 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10<\/td><td class=\"has-text-align-center\" data-align=\"center\">Eli Lilly \u2013 ~1,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Costco \u2013 ~2 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Roche \u2013 ~1 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les dix principales actions repr\u00e9sentent approximativement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>VOO : 35 % \u00e0 40 % du portefeuille<\/strong><\/li>\n\n\n\n<li><strong>QQQ : 50 % \u00e0 55 % du portefeuille<\/strong><\/li>\n\n\n\n<li><strong>Portefeuille d\u2019ETF : 30 % \u00e0 35 % du portefeuille<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffdd1\" class=\"has-inline-color\">\ud83d\udc49 Le Nasdaq 100 est la strat\u00e9gie la plus concentr\u00e9e sur les grandes entreprises technologiques.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille d\u2019ETF contient une exposition moins importante aux 10 principales actions ainsi qu&#8217;une exposition internationale, par exemple, nous voyons des actions suisses dans le top 10 des actions. Ce n&#8217;est pas le cas dans l&#8217;ETF VOO ou QQQ.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il reste fortement expos\u00e9 aux grandes entreprises am\u00e9ricaines comme l&#8217;ETF VOO ou QQQ.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffddb\" class=\"has-inline-color\">Le portefeuille d\u2019ETF est donc plus diversifi\u00e9 que QQQ et VOO<\/mark><\/strong>, mais sa performance reste largement influenc\u00e9e par les grandes entreprises am\u00e9ricaines de croissance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"S_P_500_vs_Nasdaq_100_vs_portefeuille_dETF\"><\/span>S&amp;P 500 vs Nasdaq 100 vs portefeuille d\u2019ETF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Simulation_des_rendements_historiques\"><\/span>Simulation des rendements historiques<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons que les trois investisseurs aient plac\u00e9 <strong>100\u2019000 USD<\/strong> au d\u00e9but de la p\u00e9riode \u00e9tudi\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notons qu&#8217;ils n\u2019ont ajout\u00e9 aucun argent suppl\u00e9mentaire et ont r\u00e9investi tous les dividendes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cette comparaison, nous utilisons les estimations sur dix ans (2016-2025) :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--7\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 compos\u00e9 estim\u00e9<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">VOO \u2013 S&amp;P 500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 14,8 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">QQQ \u2013 Nasdaq 100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 19,5 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 15,5 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement du portefeuille d\u2019ETF est une estimation fond\u00e9e sur les performances historiques des ETF qui le composent, avec r\u00e9\u00e9quilibrage r\u00e9gulier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9sultats peuvent varier selon :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les dates exactes utilis\u00e9es <\/li>\n\n\n\n<li>la fr\u00e9quence du r\u00e9\u00e9quilibrage <\/li>\n\n\n\n<li>la devise de r\u00e9f\u00e9rence <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, nous nous concluons que l&#8217;ordre des rendement est :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>QQQ<\/li>\n\n\n\n<li>Portefeuille d&#8217;ETF<\/li>\n\n\n\n<li>S&amp;P 500<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille d\u2019ETF aurait historiquement obtenu un rendement l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 celui du S&amp;P 500. Cependant, il serait rest\u00e9 nettement derri\u00e8re le Nasdaq 100 pendant cette p\u00e9riode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut n\u00e9anmoins \u00eatre prudent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La derni\u00e8re d\u00e9cennie a \u00e9t\u00e9 particuli\u00e8rement favorable aux grandes entreprises technologiques am\u00e9ricaines. Le Nasdaq 100 a b\u00e9n\u00e9fici\u00e9 de cette \u00e9volution. En v\u00e9rit\u00e9, cela ne signifie pas qu\u2019il sera automatiquement le meilleur investissement au cours des dix prochaines ann\u00e9es.<\/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-17\"><span class=\"ez-toc-section\" id=\"Simulation_en_chiffres_avec_un_investissement_initial_de_100000_USD\"><\/span>Simulation en chiffres avec un investissement initial de 100\u2019000 USD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici une simulation simplifi\u00e9e bas\u00e9e sur les rendements annualis\u00e9s estim\u00e9s. En supposant un montant initial investi de 100&#8217;000 USD.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--8\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Montant initial<\/td><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 estim\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Montant th\u00e9orique apr\u00e8s dix ans<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100\u2019000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500 \u2013 VOO<\/td><td class=\"has-text-align-center\" data-align=\"center\">14,8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 397\u2019000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100\u2019000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq 100 \u2013 QQQ<\/td><td class=\"has-text-align-center\" data-align=\"center\">19,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 592\u2019000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100\u2019000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">15,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 422\u2019000 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ces montants sont th\u00e9oriques et supposent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un investissement unique de 100\u2019000 USD <\/li>\n\n\n\n<li>le r\u00e9investissement des dividendes <\/li>\n\n\n\n<li>aucun retrait <\/li>\n\n\n\n<li>aucun imp\u00f4t <\/li>\n\n\n\n<li>aucun frais de courtage <\/li>\n\n\n\n<li>aucun co\u00fbt de change<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La diff\u00e9rence entre le portefeuille d\u2019ETF et VOO serait donc relativement faible sur dix ans. Bien que le portefeuille d&#8217;ETF ait gagn\u00e9 environ 25&#8217;000 USD de plus en 10 ans. Ce n&#8217;est pas n\u00e9gligeable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, l\u2019\u00e9cart avec QQQ serait beaucoup plus important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela montre la puissance des int\u00e9r\u00eats compos\u00e9s : quelques points de rendement annuel peuvent produire une diff\u00e9rence consid\u00e9rable apr\u00e8s plusieurs ann\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Pourquoi_le_portefeuille_dETF_a-t-il_fait_mieux_que_VOO\"><\/span>Pourquoi le portefeuille d\u2019ETF a-t-il fait mieux que VOO ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille contient :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>30 % de QQQ <\/li>\n\n\n\n<li>10 % de MGK <\/li>\n\n\n\n<li>30 % de VOO<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il est donc fortement expos\u00e9 aux grandes entreprises am\u00e9ricaines de croissance. Pendant la p\u00e9riode \u00e9tudi\u00e9e, ces entreprises ont connu une tr\u00e8s forte progression.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille a \u00e9galement b\u00e9n\u00e9fici\u00e9 des actions dans VT, CHDVD, VHYL et VYM, qui apportent davantage de diversification, de la stabilit\u00e9 et de dividendes relativement \u00e9lev\u00e9s r\u00e9investis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, ces ETF plus diversifi\u00e9s ou orient\u00e9s vers les dividendes ont \u00e9galement r\u00e9duit la performance maximale du portefeuille par rapport \u00e0 une strat\u00e9gie investie uniquement dans QQQ.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme on dit &#8221;<em>on ne peut pas gagner partout<\/em>&#8221;.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-19 wp-block-paragraph\">\ud83d\udc49 <strong>Le portefeuille de divers ETF a donc cherch\u00e9 un compromis entre croissance, diversification et revenus.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et la preuve, c&#8217;est que cela a r\u00e9ussi, car le rendement a \u00e9t\u00e9 un peu meilleur que le S&amp;P 500 pour une meilleure diversification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Simulation_FIRE_que_se_passe-t-il_avec_un_retrait_mensuel\"><\/span>Simulation FIRE : que se passe-t-il avec un retrait mensuel ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La strat\u00e9gie FIRE consiste g\u00e9n\u00e9ralement \u00e0 accumuler un capital suffisamment important pour financer une partie ou la totalit\u00e9 de ses d\u00e9penses gr\u00e2ce \u00e0 son portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cette simulation, imaginons que chaque investisseur retire <strong>0,5 % de son portefeuille chaque mois<\/strong>. Cela correspond \u00e0 un<strong> taux de retrait annuel th\u00e9orique d\u2019environ 6 %<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup de sites FIRE proposent de retirer 4% par an pour atteindre FIRE, car c&#8217;est plus prudent. Mais pour cet article, prenons l&#8217;exemple d&#8217;un retrait de 0,5% par mois (6% par an).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Simulation_FIRE_avec_un_retrait_mensuel_de_05\"><\/span>Simulation FIRE avec un retrait mensuel de 0,5 % <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons que les trois investisseurs commencent avec un capital initial de <strong>100\u2019000 USD<\/strong> et retirent <strong>0,5 % de la valeur de leur portefeuille chaque mois<\/strong> pendant dix ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les dividendes sont r\u00e9investis et aucun nouvel apport n\u2019est effectu\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette simulation utilise les rendements annualis\u00e9s historiques estim\u00e9s dans cet article. Les imp\u00f4ts, les frais et l\u2019inflation ne sont pas pris en compte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Resultat_estime_apres_dix_ans\"><\/span>R\u00e9sultat estim\u00e9 apr\u00e8s dix ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--9\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">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 estim\u00e9<\/th><th class=\"has-text-align-center\" data-align=\"center\">Valeur finale estim\u00e9e<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">100\u2019000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500 \u2013 VOO<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 14,8 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Environ 218\u2019000 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100\u2019000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq 100 \u2013 QQQ<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 19,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Environ 325\u2019000 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100\u2019000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">Environ 15,5 %<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Environ 232\u2019000 USD<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Pendant cette p\u00e9riode historique, les trois investisseurs auraient continu\u00e9 \u00e0 faire progresser leur capital malgr\u00e9 les retraits mensuels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le classement serait donc :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>QQQ \u2013 Nasdaq 100 : environ 325\u2019000 USD<\/strong> apr\u00e8s 10 ans<\/li>\n\n\n\n<li><strong>Portefeuille d\u2019ETF : environ 232\u2019000 USD<\/strong> apr\u00e8s 10 ans<\/li>\n\n\n\n<li><strong>VOO \u2013 S&amp;P 500 : environ 218\u2019000 USD<\/strong> apr\u00e8s 10 ans<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Le Nasdaq 100 aurait obtenu la meilleure performance gr\u00e2ce \u00e0 son rendement historique sup\u00e9rieur. Le portefeuille d\u2019ETF serait arriv\u00e9 en deuxi\u00e8me position, l\u00e9g\u00e8rement devant le S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, ces r\u00e9sultats restent une simulation bas\u00e9e sur des rendements historiques moyens. Les march\u00e9s \u00e9voluent de mani\u00e8re irr\u00e9guli\u00e8re et les performances futures pourraient \u00eatre tr\u00e8s diff\u00e9rentes.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-23 wp-block-paragraph\">\ud83d\udc49 <strong>Cette simulation montre qu\u2019un retrait de 0,5 % par mois, calcul\u00e9 sur la valeur actuelle du portefeuille, aurait permis aux trois strat\u00e9gies de continuer \u00e0 faire cro\u00eetre leur capital pendant la p\u00e9riode \u00e9tudi\u00e9e.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il faut prendre cette simulation comme une estimation, car la bourse varie selon plusieurs crit\u00e8res (inflation, imp\u00f4ts, frais boursiers, etc).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Simulation_FIRE_avec_les_fluctuations_reelles_de_la_bourse\"><\/span>Simulation FIRE avec les fluctuations r\u00e9elles de la bourse<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La simulation pr\u00e9c\u00e9dente utilisait un rendement annuel moyen appliqu\u00e9 de mani\u00e8re r\u00e9guli\u00e8re. Cependant, la bourse n\u2019\u00e9volue pas de fa\u00e7on lin\u00e9aire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre janvier 2016 et d\u00e9cembre 2025, les march\u00e9s ont connu plusieurs p\u00e9riodes de forte hausse, mais aussi des baisses importantes, notamment en 2018, en 2020 et en 2022.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cette nouvelle simulation, nous prenons en compte les fluctuations historiques observ\u00e9es pendant la p\u00e9riode \u00e9tudi\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque investisseur commence avec <strong>100\u2019000 USD<\/strong> et retire <strong>0,5 % de la valeur de son portefeuille chaque mois<\/strong>. Les dividendes sont inclus et les retraits sont effectu\u00e9s apr\u00e8s l\u2019\u00e9volution du portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici le r\u00e9sultat estim\u00e9 apr\u00e8s dix ans :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--10\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Valeur estim\u00e9e apr\u00e8s dix ans<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500 \u2013 VOO<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Environ 225\u2019000 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nasdaq 100 \u2013 QQQ<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Environ 335\u2019000 USD<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Environ 240\u2019000 USD<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le classement reste identique, et nous concluons que le r\u00e9sultat final est m\u00eame meilleur pour chaque strat\u00e9gie  :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Nasdaq 100 \u2013 QQQ : environ 335\u2019000 USD<\/strong><\/li>\n\n\n\n<li><strong>Portefeuille d\u2019ETF : environ 240\u2019000 USD<\/strong><\/li>\n\n\n\n<li><strong>S&amp;P 500 \u2013 VOO : environ 225\u2019000 USD<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut toutefois rappeler que cette p\u00e9riode a \u00e9t\u00e9 particuli\u00e8rement favorable aux actions am\u00e9ricaines et aux grandes entreprises de croissance. Ces r\u00e9sultats historiques ne garantissent pas les performances futures.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-25 wp-block-paragraph\">\ud83d\udc49 <strong>Cette simulation est plus r\u00e9aliste qu\u2019un calcul bas\u00e9 sur un rendement annuel constant, car elle tient compte des p\u00e9riodes de hausse et de baisse des march\u00e9s.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"Pour_le_portefeuille_dETF_comment_retirer_de_largent_chaque_mois\"><\/span>Pour le portefeuille d\u2019ETF, comment retirer de l\u2019argent chaque mois ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec VOO ou QQQ, retirer 0,5 % par mois du portefeuille est tr\u00e8s simple. L\u2019investisseur poss\u00e8de un seul ETF et peut vendre une petite partie de sa position lorsqu\u2019il souhaite retirer de l\u2019argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille diversifi\u00e9 contient toutefois sept ETF. Il faut donc d\u00e9terminer quels ETF vendre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une m\u00e9thode simple consiste \u00e0 utiliser les retraits pour r\u00e9\u00e9quilibrer le portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>si QQQ a fortement augment\u00e9 et repr\u00e9sente plus de 30 % du portefeuille, l\u2019investisseur peut vendre une partie de QQQ <\/li>\n\n\n\n<li>si MGK est devenu surpond\u00e9r\u00e9 (plus de 10% dans ce cas), il peut aussi \u00eatre vendu<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cette m\u00e9thode permet de retirer de l\u2019argent chaque mois tout en ramenant progressivement le portefeuille vers son allocation cible.<\/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-27\"><span class=\"ez-toc-section\" id=\"Fiscalite_croissance_ou_dividendes\"><\/span>Fiscalit\u00e9 : croissance ou dividendes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La fiscalit\u00e9 d\u00e9pend fortement du pays de r\u00e9sidence. Notons aussi que chaque investisseur a une situation fiscale diff\u00e9rente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, les dividendes sont souvent plus impos\u00e9s que les plus-values.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, pour r\u00e9sumer,<strong> la strat\u00e9gie boursi\u00e8re la moins impos\u00e9e est celle qui gagne le plus de plus-value et le re\u00e7oit le moins de dividendes.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffcdb\" class=\"has-inline-color\">le Nasdaq 100 est la strat\u00e9gie qui a vers\u00e9e moins de dividendes que VOO ou que le portefeuille diversifi\u00e9 de l&#8217;investisseur 3, et a historiquement obtenu le meilleur rendement.  <\/mark><\/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-28\"><span class=\"ez-toc-section\" id=\"Quel_placement_possede_les_frais_les_plus_faibles\"><\/span>Quel placement poss\u00e8de les frais les plus faibles ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les frais annuels de gestion, appel\u00e9s <strong>TER<\/strong>, sont g\u00e9n\u00e9ralement faibles pour les ETF \u00e9tudi\u00e9s.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;ETF VOO (S&amp;P 500) poss\u00e8de un TER tr\u00e8s faible de 0,03%<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>QQQ est plus co\u00fbteux que VOO, mais ses frais restent modestes par rapport \u00e0 de nombreux fonds actifs (0.20%)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le portefeuille compos\u00e9 de plusieurs ETF poss\u00e8de un co\u00fbt moyen pond\u00e9r\u00e9 qui d\u00e9pend des frais de chaque ETF, dans cet exemple, les frais ETF moyens sont estim\u00e9s \u00e0 0.10%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"Resume_des_frais\"><\/span>R\u00e9sum\u00e9 des frais<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--11\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Strat\u00e9gie<\/td><td class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">Simplicit\u00e9 de gestion<\/td><td class=\"has-text-align-center\" data-align=\"center\">Frais potentiels de gestion<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VOO<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s faibles<br>(0.03%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">QQQ<\/td><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tr\u00e8s \u00e9lev\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">Assez Faible<br>(0.20%)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne<\/td><td class=\"has-text-align-center\" data-align=\"center\">Faible<br>(environ 0.10%)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-30 wp-block-paragraph\">\ud83d\udc49 <strong>VOO est la strat\u00e9gie la plus simple et la moins co\u00fbteuse \u00e0 g\u00e9rer.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion_S_P_500_Nasdaq_100_ou_portefeuille_dETF_quelle_strategie_choisir\"><\/span>Conclusion : S&amp;P 500, Nasdaq 100 ou portefeuille d\u2019ETF : quelle strat\u00e9gie choisir ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un r\u00e9sum\u00e9 des trois strat\u00e9gies.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--12\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Question<\/td><td class=\"has-text-align-center\" data-align=\"center\">Meilleure Strat\u00e9gie<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le portefeuille le plus simple \u00e0 g\u00e9rer<\/td><td class=\"has-text-align-center\" data-align=\"center\">VOO ou QQQ<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le portefeuille avec le plus d\u2019actions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">La plus grande diversification g\u00e9ographique<\/td><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">La meilleure performance historique sur la p\u00e9riode \u00e9tudi\u00e9e<\/td><td class=\"has-text-align-center\" data-align=\"center\">QQQ<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Le meilleur compromis historique entre croissance et diversification<\/td><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">La strat\u00e9gie avec les frais les plus faibles<\/td><td class=\"has-text-align-center\" data-align=\"center\">VOO<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">La strat\u00e9gie la moins concentr\u00e9e sur la technologie<\/td><td class=\"has-text-align-center\" data-align=\"center\">VOO<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">La strat\u00e9gie la plus concentr\u00e9e sur les grandes valeurs de croissance<\/td><td class=\"has-text-align-center\" data-align=\"center\">QQQ<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">La strat\u00e9gie la plus complexe \u00e0 g\u00e9rer<\/td><td class=\"has-text-align-center\" data-align=\"center\">Portefeuille d\u2019ETF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-31\"><span class=\"ez-toc-section\" id=\"A_retenir_de_cet_article\"><\/span>\u00c0 retenir de cet article<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-32 wp-block-paragraph\"><strong>Le Nasdaq 100 a obtenu la meilleure performance historique pendant la p\u00e9riode \u00e9tudi\u00e9e<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il est \u00e9galement plus concentr\u00e9 et d\u00e9pend fortement de la performance des grandes entreprises am\u00e9ricaines de croissance.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-33 wp-block-paragraph\"><strong>Le S&amp;P 500 offre une solution tr\u00e8s simple, peu co\u00fbteuse et relativement diversifi\u00e9e \u00e0 l\u2019int\u00e9rieur du march\u00e9 am\u00e9ricain.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille compos\u00e9 de VOO, QQQ, VT, MGK, CHDVD, VHYL et VYM aurait historiquement obtenu un rendement l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 celui de VOO. En revanche, il aurait toutefois fait moins bien que QQQ pendant cette d\u00e9cennie.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-34 wp-block-paragraph\"><strong>Si on compare ce portefeuille d&#8217;ETF \u00e0 VOO ou QQQ, le portefeuille offre plus d&#8217;\u00e9quilibre entre les actions \u00e0 forte croissance am\u00e9ricaine, d\u2019exposition internationale, une allocation aux actions suisses et une composante orient\u00e9e vers les dividendes. Pour un rendement l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 l&#8217;ETF VOO.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, \u00e0 noter qu&#8217;il reste fortement concentr\u00e9 sur les \u00c9tats-Unis et sur les grandes entreprises de croissance en raison du chevauchement entre VOO, QQQ, MGK, VT et VYM.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-35 wp-block-paragraph\"><strong>\ud83d\udc49 Le portefeuille diversifi\u00e9 est un tr\u00e8s bon compris de placement offensif, avec un \u00e9quilibre entre l&#8217;ETF VOO, QQQ, VT, VYM et CHDVD. Mais c&#8217;est aussi le portefeuille le plus compliqu\u00e9 \u00e0 g\u00e9rer.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9sumer, il s\u2019agit d\u2019un portefeuille de croissance am\u00e9ricain compl\u00e9t\u00e9 par des actions mondiales, suisses et \u00e0 dividendes \u00e9lev\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_S_P_500_Nasdaq_100_et_portefeuille_dETF\"><\/span>FAQ : S&amp;P 500, Nasdaq 100 et portefeuille d\u2019ETF<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-36\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_S_P_500_ou_Nasdaq_100_lequel_choisir_pour_debuter\"><\/span>\u2753 S&amp;P 500 ou Nasdaq 100 : lequel choisir pour d\u00e9buter ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investisseur d\u00e9butant, le S&amp;P 500 peut \u00eatre plus simple \u00e0 comprendre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il offre une exposition \u00e0 environ 500 grandes entreprises am\u00e9ricaines et contient plusieurs secteurs \u00e9conomiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le Nasdaq 100 est davantage orient\u00e9 vers les entreprises technologiques et de croissance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut offrir un potentiel de rendement plus \u00e9lev\u00e9, mais il peut \u00e9galement conna\u00eetre des variations plus importantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Pour d\u00e9buter avec une strat\u00e9gie simple et diversifi\u00e9e aux \u00c9tats-Unis, le S&amp;P 500 peut \u00eatre une solution int\u00e9ressante.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-37\"><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><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le Nasdaq 100 n\u2019est pas n\u00e9cessairement trop risqu\u00e9 pour tous les investisseurs. Cependant, il est plus concentr\u00e9 que le S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il d\u00e9pend fortement de la performance de certaines grandes entreprises de croissance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un investisseur doit \u00eatre capable de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>supporter de fortes baisses ;<\/li>\n\n\n\n<li>conserver son investissement pendant les p\u00e9riodes difficiles ;<\/li>\n\n\n\n<li>\u00e9viter de vendre dans la panique ;<\/li>\n\n\n\n<li>accepter qu\u2019une forte performance pass\u00e9e puisse ne pas se reproduire.<\/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-38\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Peut-on_atteindre_la_liberte_financiere_avec_un_ETF_S_P_500\"><\/span>\u2753 Peut-on atteindre la libert\u00e9 financi\u00e8re avec un ETF S&amp;P 500 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est possible d\u2019atteindre la libert\u00e9 financi\u00e8re avec un portefeuille compos\u00e9 principalement d\u2019un ETF S&amp;P 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9ussite d\u00e9pend surtout de plusieurs facteurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le montant investi ;<\/li>\n\n\n\n<li>le taux d\u2019\u00e9pargne ;<\/li>\n\n\n\n<li>la dur\u00e9e d\u2019investissement ;<\/li>\n\n\n\n<li>les d\u00e9penses annuelles ;<\/li>\n\n\n\n<li>le rendement obtenu ;<\/li>\n\n\n\n<li>le taux de retrait.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Il n\u2019est pas n\u00e9cessaire de battre le Nasdaq 100 pour atteindre un objectif FIRE.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-39\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Le_portefeuille_de_sept_ETF_est-il_reellement_diversifie\"><\/span>\u2753 Le portefeuille de sept ETF est-il r\u00e9ellement diversifi\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, il est diversifi\u00e9 par le nombre d\u2019entreprises et par les r\u00e9gions. Cependant, il contient \u00e9galement beaucoup de chevauchements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VOO, QQQ et MGK poss\u00e8dent plusieurs grandes entreprises am\u00e9ricaines en commun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">VT et VYM ajoutent \u00e9galement une exposition aux \u00c9tats-Unis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le portefeuille est donc plus diversifi\u00e9 qu\u2019un investissement uniquement dans QQQ ou VOO, mais il reste fortement orient\u00e9 vers les grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-40\"><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><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cela d\u00e9pend des pr\u00e9f\u00e9rences et de la situation de chaque investisseur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pendant la phase d\u2019accumulation, la croissance totale du portefeuille est plus importante que le niveau des dividendes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pendant la phase de retrait, les dividendes peuvent apporter un revenu r\u00e9gulier et r\u00e9duire le besoin de vendre des parts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, un dividende n\u2019est pas un rendement gratuit. Le rendement total reste l\u2019\u00e9l\u00e9ment principal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Un portefeuille combinant croissance et dividendes peut offrir un compromis int\u00e9ressant, mais il n\u2019est pas automatiquement plus performant.<\/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-41\"><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><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un retrait \u00e9quivalent \u00e0 environ 6 % par ann\u00e9e peut \u00eatre \u00e9lev\u00e9 pour une retraite tr\u00e8s longue.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9sultat d\u00e9pend notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de la performance future ;<\/li>\n\n\n\n<li>de l\u2019inflation ;<\/li>\n\n\n\n<li>de la dur\u00e9e de la retraite ;<\/li>\n\n\n\n<li>des d\u00e9penses ;<\/li>\n\n\n\n<li>de l\u2019ordre des rendements.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Une mauvaise p\u00e9riode au d\u00e9but de la retraite peut r\u00e9duire fortement la dur\u00e9e de vie du portefeuille.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans les sites de libert\u00e9 financi\u00e8re, c&#8217;est souvent annonc\u00e9 qu&#8217;un retrait de 4% par an (0.333% par mois) est plus adapt\u00e9 pour devenir libre financi\u00e8rement.<\/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-42\"><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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La diversification vise principalement \u00e0 r\u00e9duire le risque li\u00e9 \u00e0 une entreprise, un secteur ou une r\u00e9gion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle ne garantit pas une performance sup\u00e9rieure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un portefeuille concentr\u00e9 peut obtenir de meilleurs r\u00e9sultats pendant certaines p\u00e9riodes. En revanche, il peut \u00e9galement subir des baisses plus importantes.<\/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-43\"><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><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour de nombreux investisseurs, chercher \u00e0 battre le march\u00e9 peut entra\u00eener :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>davantage de frais ;<\/li>\n\n\n\n<li>plus de transactions ;<\/li>\n\n\n\n<li>des erreurs de timing ;<\/li>\n\n\n\n<li>une strat\u00e9gie plus difficile \u00e0 maintenir.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie simple et disciplin\u00e9e peut \u00eatre plus efficace qu\u2019une recherche permanente de la meilleure performance.<\/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-44\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_Quelle_strategie_convient_a_un_investisseur_minimaliste\"><\/span>\u2753 Quelle strat\u00e9gie convient \u00e0 un investisseur minimaliste ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une strat\u00e9gie minimaliste devrait \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>simple \u00e0 comprendre ;<\/li>\n\n\n\n<li>facile \u00e0 g\u00e9rer ;<\/li>\n\n\n\n<li>peu co\u00fbteuse ;<\/li>\n\n\n\n<li>adapt\u00e9e au niveau de risque de l\u2019investisseur ;<\/li>\n\n\n\n<li>suffisamment diversifi\u00e9e.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un seul ETF peut \u00eatre suffisant pour certains investisseurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019autres pr\u00e9f\u00e9reront construire un portefeuille plus personnalis\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Le meilleur portefeuille n\u2019est pas universel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est celui qui correspond \u00e0 vos objectifs et que vous \u00eates capable de conserver pendant un krach boursier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et vous, quelle strat\u00e9gie vous permettrait de rester investi sereinement pendant une baisse de 30 % ou 40 % ? \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-45 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-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/apres-10-ans-investissement-en-etf-quel-etf-je-choisirais\/\">Apr\u00e8s 10 ans d\u2019investissement en ETF : quel ETF je choisirais<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-liberte-financiere-pourquoi-les-premiers-100000-sont-les-plus-difficiles\/\">La libert\u00e9 financi\u00e8re : pourquoi les premiers 100&#8217;000 sont les plus difficiles<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-46 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-47\"><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-48 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":35290,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[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 v28.7 - 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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