{"id":3138,"date":"2026-07-29T06:56:18","date_gmt":"2026-07-29T04:56:18","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=3138"},"modified":"2026-07-29T07:32:27","modified_gmt":"2026-07-29T05:32:27","slug":"invest-stock-market-stock-market-profits-10-years","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/","title":{"rendered":"Investing in the stock market: What profits can you expect over 10 years?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans? L&#8217;objectif de cet article est de donner une vue d&#8217;ensemble simplifi\u00e9e<\/strong> \ud83d\ude09<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Introduction_Investir_en_bourse_Quels_benefices_esperer_sur_10_ans\" >Introduction : Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Peut-on_prevoir_les_rendements_de_la_bourse\" >Peut-on pr\u00e9voir les rendements de la bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Pourquoi_regarder_les_performances_passees\" >Pourquoi regarder les performances pass\u00e9es ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Pourquoi_utiliser_des_ETF_pour_investir\" >Pourquoi utiliser des ETF pour investir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Exemple_les_ETF_VOO_et_VT\" >Exemple : les ETF VOO et VT<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#VOO\" >VOO<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#VT\" >VT<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Exemple_les_portefeuilles_3a_Finpension_Global_100_et_VIAC_Global_100\" >Exemple : les portefeuilles 3a Finpension Global 100 et VIAC Global 100<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Comparaison_des_performances_historiques\" >Comparaison des performances historiques<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Investir_tout_son_portefeuille_dans_un_ETF_100_US\" >Investir tout son portefeuille dans un ETF 100% US?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Attention_aux_frais\" >Attention aux frais<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Quel_rendement_reel_peut-on_esperer_sur_10_ans\" >Quel rendement r\u00e9el peut-on esp\u00e9rer sur 10 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Se_concentrer_sur_du_concret\" >Se concentrer sur du concret<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#FAQ_Investir_en_bourse_quels_benefices_esperer_sur_10_ans\" >FAQ : Investir en bourse : quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Quel_rendement_peut-on_esperer_en_investissant_en_bourse_sur_10_ans\" >Quel rendement peut-on esp\u00e9rer en investissant en bourse sur 10 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Est-il_realiste_de_gagner_10_par_an_en_bourse\" >Est-il r\u00e9aliste de gagner 10% par an en bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Combien_rapporte_un_investissement_de_10_000_CHF_sur_10_ans\" >Combien rapporte un investissement de 10 000 CHF sur 10 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Vaut-il_mieux_investir_dans_un_ETF_S_P_500_ou_un_ETF_mondial\" >Vaut-il mieux investir dans un ETF S&amp;P 500 ou un ETF mondial ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Les_ETF_sont-ils_adaptes_a_un_investissement_sur_10_ans\" >Les ETF sont-ils adapt\u00e9s \u00e0 un investissement sur 10 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Quels_frais_reduisent_le_rendement_reel_dun_investissement_en_bourse\" >Quels frais r\u00e9duisent le rendement r\u00e9el d&#8217;un investissement en bourse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Investir_via_un_compte_3a_est-il_interessant_pour_investir_en_bourse_en_Suisse\" >Investir via un compte 3a est-il int\u00e9ressant pour investir en bourse en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Peut-on_perdre_de_largent_en_investissant_en_bourse_pendant_10_ans\" >Peut-on perdre de l&#8217;argent en investissant en bourse pendant 10 ans ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Pourquoi_est-il_preferable_dinvestir_regulierement_plutot_quen_une_seule_fois\" >Pourquoi est-il pr\u00e9f\u00e9rable d&#8217;investir r\u00e9guli\u00e8rement plut\u00f4t qu&#8217;en une seule fois ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Quel_est_le_meilleur_conseil_pour_investir_en_bourse_sur_le_long_terme\" >Quel est le meilleur conseil pour investir en bourse sur le long terme ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/#Investir_en_bourse_Quels_benefices_esperer_sur_10_ans\" >Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Avertissement :<\/strong> Cet article est fourni \u00e0 titre informatif et ne constitue pas un conseil en investissement. Chaque investisseur doit \u00e9valuer sa propre situation financi\u00e8re avant de prendre une d\u00e9cision. Les r\u00e9sultats pass\u00e9s ne garantissent pas les r\u00e9sultats futurs.<\/p>\n\n\n\n<h3 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-1\"><span class=\"ez-toc-section\" id=\"Introduction_Investir_en_bourse_Quels_benefices_esperer_sur_10_ans\"><\/span>Introduction : Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu&#8217;on commence \u00e0 investir en bourse, une question revient souvent : <strong>combien peut-on esp\u00e9rer gagner sur 10 ans ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9ponse est simple\u2026 et un peu frustrante : <mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffbdb\" class=\"has-inline-color\"><strong>personne ne peut le savoir avec certitude<\/strong> !<\/mark><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a982fa0dfd97&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a982fa0dfd97\" class=\"wp-block-image aligncenter size-large is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"480\" height=\"270\" data-attachment-id=\"10705\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-benefices-boursiers-10-ans\/image-4\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/image.gif?fit=480%2C270&amp;ssl=1\" data-orig-size=\"480,270\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/image.gif?fit=480%2C270&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\/2024\/01\/image.gif?resize=480%2C270&#038;ssl=1\" alt=\"Combien esp\u00e9rer recevoir en b\u00e9n\u00e9fices boursiers? - impossible - Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?\n\" class=\"has-border-color has-vivid-cyan-blue-border-color wp-image-10705\" style=\"border-width:11px;border-radius:32px;width:284px;height:auto\"\/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, il est possible d&#8217;observer les performances historiques des march\u00e9s financiers afin d&#8217;avoir un ordre de grandeur et d&#8217;\u00e9volution. M\u00eame si les performances pass\u00e9es ne garantissent jamais les performances futures, elles permettent de mieux comprendre le potentiel d&#8217;un investissement \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous allons analyser les rendements historiques de plusieurs portefeuilles largement diversifi\u00e9s afin de r\u00e9pondre \u00e0 cette question.<\/p>\n\n\n\n<figure style=\"margin-top:var(--wp--preset--spacing--80);margin-right:var(--wp--preset--spacing--70);margin-bottom:var(--wp--preset--spacing--80);margin-left:var(--wp--preset--spacing--70);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\" class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" autoplay controls muted src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-f3988d04-9521-4ea3-a909-c1d30cb0f09f.mp4\" playsinline><\/video><\/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-2\"><span class=\"ez-toc-section\" id=\"Peut-on_prevoir_les_rendements_de_la_bourse\"><\/span>Peut-on pr\u00e9voir les rendements de la bourse ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9ponse est non.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les march\u00e9s financiers \u00e9voluent en permanence sous l&#8217;influence de nombreux facteurs, par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>croissance \u00e9conomique<\/li>\n\n\n\n<li>inflation<\/li>\n\n\n\n<li>taux d&#8217;int\u00e9r\u00eat<\/li>\n\n\n\n<li>\u00e9v\u00e9nements g\u00e9opolitiques<\/li>\n\n\n\n<li>crises financi\u00e8res<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aucun investisseur, aucun \u00e9conomiste et aucun expert ne peut pr\u00e9dire avec pr\u00e9cision les performances de la bourse sur les dix prochaines ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est pourquoi il faut toujours garder \u00e0 l&#8217;esprit cette r\u00e8gle essentielle :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong><em><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d1f6ff\" class=\"has-inline-color\">Les performances pass\u00e9es ne pr\u00e9jugent pas des performances futures.<\/mark><\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Autrement dit, <strong>les chiffres pr\u00e9sent\u00e9s dans cet article sont uniquement des donn\u00e9es historiques.<\/strong> Ils permettent de mieux comprendre ce qui s&#8217;est produit jusqu&#8217;\u00e0 aujourd&#8217;hui, mais ne constituent en aucun cas une promesse de rendement.<\/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-3\"><span class=\"ez-toc-section\" id=\"Pourquoi_regarder_les_performances_passees\"><\/span>Pourquoi regarder les performances pass\u00e9es ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si elles ne permettent pas de pr\u00e9dire l&#8217;avenir, les performances historiques restent tr\u00e8s utiles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elles permettent notamment de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>comprendre le comportement des march\u00e9s sur le long terme <\/li>\n\n\n\n<li>observer les diff\u00e9rences entre plusieurs strat\u00e9gies d&#8217;investissement <\/li>\n\n\n\n<li>se fixer des attentes r\u00e9alistes avant d&#8217;investir<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En bourse, un horizon d&#8217;investissement de dix ans ou plus est g\u00e9n\u00e9ralement recommand\u00e9. Sur des p\u00e9riodes courtes, les march\u00e9s peuvent conna\u00eetre d&#8217;importantes fluctuations. En revanche, les variations tendent souvent \u00e0 s&#8217;att\u00e9nuer lorsque l&#8217;on investit sur le long terme (plus de 10 ans)<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a982fa0e2fa6&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a982fa0e2fa6\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"895\" height=\"849\" data-attachment-id=\"30168\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a6866550e31c-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?fit=895%2C849&amp;ssl=1\" data-orig-size=\"895,849\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"minimaliste-et-frugaliste-6a6866550e31c\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?fit=600%2C569&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?resize=895%2C849&#038;ssl=1\" alt=\"rendements boursiers 10 ans - Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?\" class=\"wp-image-30168\" style=\"aspect-ratio:1.0530019575290532;width:222px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?w=895&amp;ssl=1 895w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?resize=300%2C285&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?resize=600%2C569&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?resize=768%2C729&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a6866550e31c-edited.png?resize=13%2C12&amp;ssl=1 13w\" sizes=\"auto, (max-width: 895px) 100vw, 895px\" \/><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-4\"><span class=\"ez-toc-section\" id=\"Pourquoi_utiliser_des_ETF_pour_investir\"><\/span>Pourquoi utiliser des ETF pour investir ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour cette analyse, je me concentre volontairement sur des <strong>ETF<\/strong> (fonds indiciels cot\u00e9s).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF permet d&#8217;investir simultan\u00e9ment dans des centaines, voire des milliers d&#8217;entreprises. Cette diversification r\u00e9duit le risque li\u00e9 \u00e0 une soci\u00e9t\u00e9 en particulier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l&#8217;inverse, acheter une seule action expose davantage aux difficult\u00e9s que pourrait rencontrer cette entreprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF constituent donc une solution simple et largement utilis\u00e9e pour investir \u00e0 long terme.<\/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-5\"><span class=\"ez-toc-section\" id=\"Exemple_les_ETF_VOO_et_VT\"><\/span>Exemple : les ETF VOO et VT<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Observons maintenant deux ETF tr\u00e8s populaires.<\/p>\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=\"VOO\"><\/span>VOO<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">VOO r\u00e9plique l&#8217;indice S&amp;P 500 et investit dans les 500 plus grandes entreprises am\u00e9ricaines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre janvier 2014 et d\u00e9cembre 2023, son rendement annualis\u00e9 a \u00e9t\u00e9 d&#8217;environ <strong>12%<\/strong>.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a982fa0e4ff5&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a982fa0e4ff5\" class=\"wp-block-image aligncenter size-full has-custom-border is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"2715\" height=\"384\" data-attachment-id=\"30142\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a67bb5b98e12\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?fit=2715%2C384&amp;ssl=1\" data-orig-size=\"2715,384\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"voo-ann\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?fit=600%2C85&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=2715%2C384&#038;ssl=1\" alt=\"\" class=\"has-border-color has-vivid-red-border-color wp-image-30142\" style=\"border-width:4px;border-radius:11px\" title=\"voo-ann\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?w=2715&amp;ssl=1 2715w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=300%2C42&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=600%2C85&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=768%2C109&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=1536%2C217&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=2048%2C290&amp;ssl=1 2048w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=18%2C3&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb5b98e12.png?resize=1320%2C187&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"VT\"><\/span>VT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;ETF Vanguard Total World (VT) investit dans plusieurs milliers d&#8217;entreprises r\u00e9parties dans le monde entier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur la m\u00eame p\u00e9riode, son rendement annualis\u00e9 est d&#8217;environ <strong>8,1%<\/strong>.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a982fa0e690c&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a982fa0e690c\" class=\"wp-block-image aligncenter size-large has-custom-border is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"2881\" height=\"352\" data-attachment-id=\"30144\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a67bb9312028\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?fit=2881%2C352&amp;ssl=1\" data-orig-size=\"2881,352\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"vt-ann\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?fit=600%2C73&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=2881%2C352&#038;ssl=1\" alt=\"\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-30144\" style=\"border-width:5px;border-radius:18px\" title=\"vt-ann\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?w=2881&amp;ssl=1 2881w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=300%2C37&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=600%2C73&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=768%2C94&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=1536%2C188&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=2048%2C250&amp;ssl=1 2048w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=18%2C2&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a67bb9312028.png?resize=1320%2C161&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, si tu veux \u00eatre plus prudent avec ses placements, estime une rentabilit\u00e9 future plus faible. Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF S&amp;P 500 = 10% annualis\u00e9<\/li>\n\n\n\n<li>ETF croissance Globale = 7% annualis\u00e9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il vaut mieux estimer un rendement bas et obtenir un rendement \u00e9lev\u00e9 que l&#8217;inverse&#8230;<\/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-8\"><span class=\"ez-toc-section\" id=\"Exemple_les_portefeuilles_3a_Finpension_Global_100_et_VIAC_Global_100\"><\/span>Exemple : les portefeuilles 3a Finpension Global 100 et VIAC Global 100<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, il est \u00e9galement possible d&#8217;investir en bourse via son <strong>3e pilier<\/strong>. Parmi les solutions les plus connues, mes solutions pr\u00e9f\u00e9r\u00e9s sont  <strong>Finpension Global 100<\/strong> et <strong>VIAC Global 100<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces deux portefeuilles investissent presque enti\u00e8rement en actions r\u00e9parties dans le monde. M\u00eame si leur composition n&#8217;est pas exactement identique, leur philosophie d&#8217;investissement est tr\u00e8s proche : <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#feffd6\" class=\"has-inline-color\">rechercher la croissance \u00e0 long terme gr\u00e2ce \u00e0 une large diversification internationale.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 un ETF comme VOO ou VT, ces solutions sont int\u00e9gr\u00e9es dans un compte de pr\u00e9voyance 3a. <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#feffdb\" class=\"has-inline-color\">Elles permettent donc de b\u00e9n\u00e9ficier des avantages fiscaux li\u00e9s au troisi\u00e8me pilier pour un r\u00e9sident suisse<\/mark><\/strong>, tout en restant investies sur les march\u00e9s financiers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En termes de performances, Finpension Global 100 et VIAC Global 100 suivent souvent les march\u00e9s mondiaux. <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffeeb\" class=\"has-inline-color\">Leur rendement historique est similaire \u00e0 celui d&#8217;un portefeuille d&#8217;actions internationales,<\/mark><\/strong> bien qu&#8217;il y ait des diff\u00e9rences dues \u00e0 leur allocation, \u00e0 la couverture de change, aux frais et \u00e0 l&#8217;obligation d&#8217;investir une part importante en francs suisses selon la r\u00e9glementation du pilier 3a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre 2013 \u00e0 2025, le rendement annuel sur 10 ans a vari\u00e9 entre 6.5% et 9.5% par an en moyenne, selon la p\u00e9riode analys\u00e9e. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estimons donc un rendement annualis\u00e9 de 7.5% en CHF.<\/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-9\"><span class=\"ez-toc-section\" id=\"Comparaison_des_performances_historiques\"><\/span>Comparaison des performances historiques<span class=\"ez-toc-section-end\"><\/span><\/h2>\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\">Investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Rendement annualis\u00e9 sur 10 ans*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">VOO (S&amp;P 500)<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/voo#performance-fees\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 12 % (en USD)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VT (Monde)<a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/vt\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 8 % (en USD)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">VIAC Global 100<a href=\"https:\/\/viac.ch\/fr\/produits\/pilier-3a\/strategies\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a> ou <br>Finpension Global 100<a href=\"https:\/\/finpension.ch\/fr\/investir-pilier-3a\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2248 7.5% (en CHF)<br>+ r\u00e9duction d&#8217;imp\u00f4ts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Les chiffres correspondent aux p\u00e9riodes \u00e9tudi\u00e9es dans cet article.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces r\u00e9sultats mettent en \u00e9vidence plusieurs \u00e9l\u00e9ments int\u00e9ressants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tout d&#8217;abord, le <strong>march\u00e9 am\u00e9ricain<\/strong>, repr\u00e9sent\u00e9 ici par l&#8217;ETF VOO, a enregistr\u00e9 des performances particuli\u00e8rement \u00e9lev\u00e9es au cours de la derni\u00e8re d\u00e9cennie. Cette progression s&#8217;explique notamment par la forte croissance de nombreuses grandes entreprises am\u00e9ricaines, en particulier dans le secteur technologique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un<strong> portefeuille mondial<\/strong>, comme l&#8217;ETF VT, offre une diversification beaucoup plus importante puisqu&#8217;il investit dans plusieurs milliers d&#8217;entreprises r\u00e9parties dans de nombreux pays. Cette diversification permet g\u00e9n\u00e9ralement de r\u00e9duire le risque li\u00e9 \u00e0 un seul march\u00e9, mais elle peut aussi conduire \u00e0 des performances plus modestes lorsque les \u00c9tats-Unis surperforment le reste du monde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les portefeuilles <strong>VIAC Global 100<\/strong> et <strong>Finpension Global 100<\/strong> suivent \u00e9galement une strat\u00e9gie largement diversifi\u00e9e \u00e0 l&#8217;\u00e9chelle mondiale. Leur rendement historique est donc proche de celui d&#8217;un ETF mondial. Il est toutefois l\u00e9g\u00e8rement diff\u00e9rent, notamment parce qu&#8217;une partie des investissements est r\u00e9alis\u00e9e en francs suisses et que les portefeuilles du pilier 3a doivent respecter certaines contraintes r\u00e9glementaires propres \u00e0 la pr\u00e9voyance suisse.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a982fa0e9bb4&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a982fa0e9bb4\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1264\" height=\"843\" data-attachment-id=\"30185\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a686cc5a300e\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?fit=1264%2C843&amp;ssl=1\" data-orig-size=\"1264,843\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; VT vs VOO vs 3a Viac vs 3a finpension\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?resize=1264%2C843&#038;ssl=1\" alt=\"voo vs vt vs viac vs finpension - Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?\" class=\"wp-image-30185\" style=\"aspect-ratio:1.4827399799212295;width:624px;height:auto\" title=\"graphique - VT vs VOO vs 3a Viac vs 3a finpension\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?w=1264&amp;ssl=1 1264w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a686cc5a300e.png?resize=18%2C12&amp;ssl=1 18w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Investir_tout_son_portefeuille_dans_un_ETF_100_US\"><\/span>Investir tout son portefeuille dans un ETF 100% US?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faut-il investir uniquement aux \u00c9tats-Unis ? Pas forc\u00e9ment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les performances observ\u00e9es entre 2013 et 2025 correspondent \u00e0 une p\u00e9riode o\u00f9 le march\u00e9 am\u00e9ricain a largement domin\u00e9 les autres r\u00e9gions du monde. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or, l&#8217;histoire montre que les march\u00e9s financiers fonctionnent par cycles. Il est tout \u00e0 fait possible que les dix prochaines ann\u00e9es soient diff\u00e9rentes et que d&#8217;autres r\u00e9gions du monde affichent de meilleures performances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est pourquoi de nombreux investisseurs privil\u00e9gient une approche \u00e9quilibr\u00e9e entre un ETF 100% US et un ETF diversifi\u00e9e \u00e0 l&#8217;\u00e9chelle mondiale. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette strat\u00e9gie ne cherche pas \u00e0 deviner quel pays sera le plus performant demain, mais \u00e0 profiter de la croissance de l&#8217;\u00e9conomie mondiale sur le long terme tout en limitant le risque li\u00e9 \u00e0 un march\u00e9 unique.<\/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-11\"><span class=\"ez-toc-section\" id=\"Attention_aux_frais\"><\/span>Attention aux frais<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les rendements pr\u00e9sent\u00e9s ci-dessus sont des <strong>rendements bruts<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En pratique, le rendement r\u00e9ellement per\u00e7u par un investisseur est g\u00e9n\u00e9ralement inf\u00e9rieur, notamment en raison des :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>frais de gestion des ETF <\/li>\n\n\n\n<li>frais du courtier et frais de change<\/li>\n\n\n\n<li>des imp\u00f4ts sur les plus-values ou les dividendes <\/li>\n\n\n\n<li>de l&#8217;inflation, qui r\u00e9duit le pouvoir d&#8217;achat des gains r\u00e9alis\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces \u00e9l\u00e9ments doivent \u00eatre pris en compte lorsque l&#8217;on estime la performance r\u00e9elle de son portefeuille.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a982fa0eba2f&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a982fa0eba2f\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"30222\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a68b69d1785f\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Impact of fees on stock market returns\" data-image-description=\"&lt;p&gt;The image is an infographic that visually explains how different fees reduce stock market returns. It features a set of colorful ascending bars representing potential gross growth, transaction fees, commissions, and entry fees, with mechanical gears and tubes labeled with fee types (frais de gestion, frais de transaction, commissions, frais d&amp;#8217;entr\u00e9e) that connect and reduce the green bars labeled &amp;#8216;Croissance Potentielle Brute.&amp;#8217; The chart is set in a modern office with computer screens displaying financial data in the background. Two cartoon characters at the bottom right question the final smaller purple bar marked with a question mark, symbolizing the real net stock market return after fees.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;An infographic showing how various fees reduce stock market returns.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?resize=600%2C600&#038;ssl=1\" alt=\"rendement brut - frais - Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?\" class=\"wp-image-30222\" style=\"width:468px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a68b69d1785f.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<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=\"Quel_rendement_reel_peut-on_esperer_sur_10_ans\"><\/span>Quel rendement r\u00e9el peut-on esp\u00e9rer sur 10 ans ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;histoire montre qu&#8217;un portefeuille d&#8217;actions largement diversifi\u00e9 a souvent g\u00e9n\u00e9r\u00e9 sur le long terme (plus de 10 ans) un rendement annuel d&#8217;environ :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-13\" style=\"color:#ffdd80\"><strong>10-12% annualis\u00e9 pour le march\u00e9 am\u00e9ricain<\/strong><\/li>\n\n\n\n<li class=\"has-text-color has-link-color wp-elements-14\" style=\"color:#ffdd80\"><strong>7-9% annualis\u00e9 pour le march\u00e9 global<\/strong><\/li>\n\n\n\n<li class=\"has-text-color has-link-color wp-elements-15\" style=\"color:#ffdd80\"><strong>7-9% annualis\u00e9 (en CHF) pour les meilleurs comptes 3a global 100 en Suisse<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Notons que cette rentabilit\u00e9 est calcul\u00e9e en brute.<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffbd1\" class=\"has-inline-color\"> Si on retire les frais, la fiscalit\u00e9 et l&#8217;inlfation, le rendement r\u00e9el diminue d&#8217;environ 1-3% par ann\u00e9e.<\/mark><\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a982fa0ed0c8&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a982fa0ed0c8\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"30204\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a689eff4ea72\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"minimaliste-et-frugaliste-6a689eff4ea72\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?resize=600%2C600&#038;ssl=1\" alt=\"Graphique rendements actions long terme brut vs net\" class=\"wp-image-30204\" style=\"width:454px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a689eff4ea72.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, il est impossible de savoir si ces performances se reproduiront \u00e0 l&#8217;avenir. Rien est garantie !<\/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-16\"><span class=\"ez-toc-section\" id=\"Se_concentrer_sur_du_concret\"><\/span> Se concentrer sur du concret<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Plut\u00f4t que de chercher \u00e0 pr\u00e9dire les rendements futurs, il est g\u00e9n\u00e9ralement plus judicieux de se concentrer sur les \u00e9l\u00e9ments que l&#8217;on ma\u00eetrise, par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>investir r\u00e9guli\u00e8rement <\/li>\n\n\n\n<li>conserver un horizon d&#8217;investissement long <\/li>\n\n\n\n<li>diversifier son portefeuille <\/li>\n\n\n\n<li>limiter les frais au maximum<\/li>\n\n\n\n<li>choisir une strat\u00e9gie moins imposable<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Il est impossible de conna\u00eetre \u00e0 l&#8217;avance le rendement que produira la bourse au cours des dix prochaines ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, les donn\u00e9es historiques montrent qu&#8217;un investissement diversifi\u00e9 en actions a souvent offert des performances int\u00e9ressantes sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces chiffres doivent \u00eatre consid\u00e9r\u00e9s comme des rep\u00e8res et non comme des garanties. Les march\u00e9s financiers connaissent des p\u00e9riodes de hausse comme de baisse, parfois pendant plusieurs ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;investissement en bourse reste donc un outil puissant pour faire fructifier son patrimoine, \u00e0 condition d&#8217;investir avec patience, de rester diversifi\u00e9 et d&#8217;accepter une part d&#8217;incertitude.<\/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_Investir_en_bourse_quels_benefices_esperer_sur_10_ans\"><\/span>FAQ : Investir en bourse : quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Quel_rendement_peut-on_esperer_en_investissant_en_bourse_sur_10_ans\"><\/span>Quel rendement peut-on esp\u00e9rer en investissant en bourse sur 10 ans ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Historiquement, un portefeuille d&#8217;actions diversifi\u00e9 a souvent g\u00e9n\u00e9r\u00e9 entre 7 % et 10 % de rendement annuel brut sur une p\u00e9riode de dix ans ou plus. Toutefois, ces performances varient selon les march\u00e9s, les p\u00e9riodes et les frais. Les rendements pass\u00e9s ne garantissent jamais les performances futures.<\/p>\n\n\n\n<h3 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-18\"><span class=\"ez-toc-section\" id=\"Est-il_realiste_de_gagner_10_par_an_en_bourse\"><\/span>Est-il r\u00e9aliste de gagner 10% par an en bourse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, certains indices comme le S&amp;P 500 ont affich\u00e9 un rendement annuel proche de 10 \u00e0 12 % sur de longues p\u00e9riodes. En revanche, rien ne garantit que ce niveau de performance se reproduira \u00e0 l&#8217;avenir. Il est g\u00e9n\u00e9ralement plus prudent de baser ses projections sur des hypoth\u00e8ses de rendement plus conservatrices.<\/p>\n\n\n\n<h3 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-19\"><span class=\"ez-toc-section\" id=\"Combien_rapporte_un_investissement_de_10_000_CHF_sur_10_ans\"><\/span>Combien rapporte un investissement de 10 000 CHF sur 10 ans ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant final d\u00e9pend du rendement obtenu chaque ann\u00e9e. \u00c0 titre d&#8217;exemple, avec un rendement annuel moyen de 7 %, un investissement de 10 000 CHF pourrait atteindre environ 19 700 CHF apr\u00e8s dix ans gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s. Ce calcul reste une simulation et non une garantie.<\/p>\n\n\n\n<h3 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-20\"><span class=\"ez-toc-section\" id=\"Vaut-il_mieux_investir_dans_un_ETF_S_P_500_ou_un_ETF_mondial\"><\/span>Vaut-il mieux investir dans un ETF S&amp;P 500 ou un ETF mondial ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un ETF S&amp;P 500 offre une exposition aux plus grandes entreprises am\u00e9ricaines et a historiquement affich\u00e9 d&#8217;excellentes performances. Un ETF mondial, quant \u00e0 lui, investit dans plusieurs milliers d&#8217;entreprises r\u00e9parties dans diff\u00e9rents pays, ce qui permet une meilleure diversification. Le choix d\u00e9pend de votre strat\u00e9gie et de votre tol\u00e9rance au risque.<\/p>\n\n\n\n<h3 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-21\"><span class=\"ez-toc-section\" id=\"Les_ETF_sont-ils_adaptes_a_un_investissement_sur_10_ans\"><\/span>Les ETF sont-ils adapt\u00e9s \u00e0 un investissement sur 10 ans ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Les ETF sont particuli\u00e8rement adapt\u00e9s aux investisseurs de long terme gr\u00e2ce \u00e0 leurs faibles frais, leur diversification et leur simplicit\u00e9. Un horizon d&#8217;investissement d&#8217;au moins dix ans permet g\u00e9n\u00e9ralement de mieux absorber les fluctuations des march\u00e9s financiers.<\/p>\n\n\n\n<h3 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-22\"><span class=\"ez-toc-section\" id=\"Quels_frais_reduisent_le_rendement_reel_dun_investissement_en_bourse\"><\/span>Quels frais r\u00e9duisent le rendement r\u00e9el d&#8217;un investissement en bourse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement brut est diminu\u00e9 par plusieurs \u00e9l\u00e9ments : les frais de gestion (TER), les frais de courtage, les frais de change, la fiscalit\u00e9 applicable et l&#8217;inflation. Selon les situations, le rendement r\u00e9el peut \u00eatre inf\u00e9rieur de 1 \u00e0 3 points de pourcentage par an.<\/p>\n\n\n\n<h3 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-23\"><span class=\"ez-toc-section\" id=\"Investir_via_un_compte_3a_est-il_interessant_pour_investir_en_bourse_en_Suisse\"><\/span>Investir via un compte 3a est-il int\u00e9ressant pour investir en bourse en Suisse ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour de nombreux r\u00e9sidents suisses, un compte 3a investi en actions permet de profiter \u00e0 la fois du potentiel des march\u00e9s financiers et d&#8217;avantages fiscaux. Des solutions comme Finpension Global 100 ou VIAC Global 100 proposent une exposition mondiale tout en respectant les r\u00e8gles du pilier 3a.<\/p>\n\n\n\n<h3 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=\"Peut-on_perdre_de_largent_en_investissant_en_bourse_pendant_10_ans\"><\/span>Peut-on perdre de l&#8217;argent en investissant en bourse pendant 10 ans ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. M\u00eame sur une p\u00e9riode de dix ans, aucune performance n&#8217;est garantie. Cependant, historiquement, le risque de perte a eu tendance \u00e0 diminuer lorsque la dur\u00e9e d&#8217;investissement s&#8217;allonge et que le portefeuille est largement diversifi\u00e9.<\/p>\n\n\n\n<h3 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-25\"><span class=\"ez-toc-section\" id=\"Pourquoi_est-il_preferable_dinvestir_regulierement_plutot_quen_une_seule_fois\"><\/span>Pourquoi est-il pr\u00e9f\u00e9rable d&#8217;investir r\u00e9guli\u00e8rement plut\u00f4t qu&#8217;en une seule fois ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;investissement r\u00e9gulier permet de lisser le prix d&#8217;achat des actifs au fil du temps et de r\u00e9duire l&#8217;impact des fluctuations des march\u00e9s. Cette approche est souvent recommand\u00e9e aux investisseurs qui souhaitent construire progressivement leur patrimoine.<\/p>\n\n\n\n<h3 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-26\"><span class=\"ez-toc-section\" id=\"Quel_est_le_meilleur_conseil_pour_investir_en_bourse_sur_le_long_terme\"><\/span>Quel est le meilleur conseil pour investir en bourse sur le long terme ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La meilleure strat\u00e9gie consiste g\u00e9n\u00e9ralement \u00e0 investir r\u00e9guli\u00e8rement, diversifier son portefeuille, limiter les frais, conserver un horizon d&#8217;investissement long et \u00e9viter de prendre des d\u00e9cisions sous l&#8217;effet des \u00e9motions. La discipline est souvent plus importante que la recherche du rendement maximal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-27\"><span class=\"ez-toc-section\" id=\"Investir_en_bourse_Quels_benefices_esperer_sur_10_ans\"><\/span>Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/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=3138\" 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? 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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\/pourquoi-dire-non-essentiel-minimalisme\/\">Pourquoi Dire Non est Essentiel?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/essentiel-cest-essentiel\/\">L&#8217;essentiel c&#8217;est &#8230; essentiel<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/elimination-la-cle-dune-vie-simplifiee\/\">\u00c9limination: la cl\u00e9 d&#8217;une vie simplifi\u00e9e<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/pourquoi-le-dca-est-la-cle-de-linvestissement-reussi\/\">Pourquoi le DCA est la cl\u00e9 de l&#8217;investissement r\u00e9ussi?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-devenir-minimalisme\/\">Le Minimalisme et comment le devenir?<\/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-28 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-29\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"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-background-color has-text-color has-link-color wp-elements-30 wp-block-paragraph\">Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-31 wp-block-paragraph\">Combien esp\u00e9rer recevoir en b\u00e9n\u00e9fices boursiers?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>### 1) Extrait de l&#8217;article<\/p>\n<p>**Combien peut r\u00e9ellement rapporter un investissement en bourse sur 10 ans ?** Peut-on esp\u00e9rer 7 %, 10 % ou m\u00eame 12 % de rendement par an ? Dans cet article, d\u00e9couvrez les performances historiques des ETF les plus populaires (VOO, VT), comparez-les aux meilleurs portefeuilles 3a en Suisse (VIAC et Finpension), comprenez l&#8217;impact des frais et de l&#8217;inflation, et apprenez \u00e0 estimer un rendement r\u00e9aliste pour investir sereinement sur le long terme.<\/p>","protected":false},"author":215552267,"featured_media":30227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":30212,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"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":[728545706,728542816,728545636,728545662,728543391,728544347,728545665,728544455,728545228,728544390,728544940,728545078,728542901,728543459,728543457],"class_list":["post-3138","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-2-15-etiquettes-seo-investir-en-bourse","tag-etf","tag-etf-sp-500","tag-etf-world","tag-finpension","tag-interets-composes","tag-investir-en-etf","tag-investir-en-suisse","tag-investissement-long-terme","tag-rendement-bourse","tag-rendement-etf","tag-troisieme-pilier","tag-viac","tag-voo","tag-vt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans?<\/title>\n<meta name=\"description\" content=\"Investir en bourse: Quels b\u00e9n\u00e9fices esp\u00e9rer sur 10 ans? 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