{"id":7053,"date":"2025-01-14T14:54:43","date_gmt":"2025-01-14T13:54:43","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=7053"},"modified":"2026-05-22T13:23:56","modified_gmt":"2026-05-22T11:23:56","slug":"invest-in-the-stock-market-to-outperform-or-follow-the-market","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/","title":{"rendered":"Investing in the Stock Market: Outperform or Follow the Market?"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>Investir en Bourse : Surperformer ou Suivre le March\u00e9?<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#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-surperformer-ou-suivre-le-marche\/#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-surperformer-ou-suivre-le-marche\/#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-surperformer-ou-suivre-le-marche\/#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-surperformer-ou-suivre-le-marche\/#Avant_de_lire_cet_article\" >Avant de lire cet article<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#Que_souhaite_ceux_qui_veulent_battre_le_marche\" >Que souhaite ceux qui veulent battre le march\u00e9?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#%E2%96%B6%EF%B8%8F_Les_inconvenients_dessayer_de_surperformer_le_marche\" >\u25b6\ufe0f Les inconv\u00e9nients d&#8217;essayer de surperformer le march\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#Performance_du_marche_boursier\" >Performance du march\u00e9 boursier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#Frais_lie_aux_transactions\" >Frais li\u00e9 aux transactions<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#Le_temps_dinvestissement\" >Le temps d&#8217;investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#Les_risques\" >Les risques<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#%E2%96%B6%EF%B8%8F_Les_avantages_dessayer_de_surperformer_le_marche\" >\u25b6\ufe0f Les avantages d&#8217;essayer de surperformer le march\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#La_neutralisation_des_benefices\" >La neutralisation des b\u00e9n\u00e9fices<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#Devenir_proprietaire_de_ton_action\" >Devenir propri\u00e9taire de ton action?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\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 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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, 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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<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Avant_de_lire_cet_article\"><\/span><strong>Avant de lire cet article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#160042\">\u26a0\ufe0f Afin de comprendre cet article, il est essentiel d&#8217;avoir lu l&#8217;article &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/investir-activement-passivement-etf-action\/\">Investir activement ou passivement, action ou ETF ?<\/a>&#8221;<\/h6>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\"><strong>Je re\u00e7ois quelques questions (ou des affirmations) s&#8217;il faut essayer de battre le march\u00e9 boursier? Est-ce une bonne ou mauvaise id\u00e9e? Est-ce que ces personnes qui essayent de battre le march\u00e9 sont des charlatans ou des messies ?<\/strong> \ud83e\udd14<\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Comme tout dans la vie.<strong> Rien n&#8217;est compl\u00e9tement <mark style=\"background-color:#ffffff;color:#342c2c\" class=\"has-inline-color\">blanc<\/mark> ou compl\u00e9tement <mark style=\"background-color:#5c5454\" class=\"has-inline-color has-primary-color\">noir<\/mark><\/strong> dans les investissements boursiers.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f50820&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f50820\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1253\" height=\"1253\" data-attachment-id=\"14344\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-963278-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?fit=1253%2C1253&amp;ssl=1\" data-orig-size=\"1253,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by David Bartus on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/white-and-black-wooden-board-963278\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;white and black wooden board&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-963278\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by David Bartus on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/white-and-black-wooden-board-963278\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=1253%2C1253&#038;ssl=1\" alt=\"white and black wooden board - Investir en Bourse : Surperformer ou Suivre le March\u00e9?\" class=\"wp-image-14344\" style=\"width:73px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?w=1253&amp;ssl=1 1253w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-963278-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\"><strong>Analysons cette question dans un ensemble. Faut-il essayer de battre le march\u00e9 boursier? \ud83e\udd14<\/strong><\/h6>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#660000\"><strong>\u26a0\ufe0f Investir comporte un risque de perte d&#8217;argent. Cet article ne peut \u00eatre pris qu&#8217;\u00e0 des fins de divertissement<\/strong>\u2757<\/h6>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Investir en Bourse : Surperformer ou Suivre le March\u00e9?<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Que_souhaite_ceux_qui_veulent_battre_le_marche\"><\/span><strong>Que souhaite ceux qui veulent battre le march\u00e9?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En premier lieu, ceux qui souhaitent battre le march\u00e9, veulent surperformer la moyenne d&#8217;un march\u00e9 boursier pr\u00e9cis. Avant de rentrer dans les d\u00e9tails. La question est <mark style=\"background-color:rgba(0, 0, 0, 0);color:#ef8888\" class=\"has-inline-color\"><strong>combien performe en moyenne le march\u00e9 boursier ?<\/strong><\/mark> \ud83e\uddd0<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-background\" style=\"background-color:#230044\"><span class=\"ez-toc-section\" id=\"%E2%96%B6%EF%B8%8F_Les_inconvenients_dessayer_de_surperformer_le_marche\"><\/span>\u25b6\ufe0f <strong>Les inconv\u00e9nients d&#8217;essayer de surperformer le march\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Performance_du_marche_boursier\"><\/span><strong>Performance du march\u00e9 boursier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f51d68&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f51d68\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1253\" height=\"1253\" data-attachment-id=\"14348\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-186464-7\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?fit=1253%2C1253&amp;ssl=1\" data-orig-size=\"1253,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Burak The Weekender on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/white-android-tablet-turned-on-displaying-a-graph-186464\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;white android tablet turned on displaying a graph&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-186464\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Burak The Weekender on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/white-android-tablet-turned-on-displaying-a-graph-186464\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=1253%2C1253&#038;ssl=1\" alt=\"white android tablet turned on displaying a graph - Investir en Bourse : Surperformer ou Suivre le March\u00e9?\" class=\"wp-image-14348\" style=\"width:94px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?w=1253&amp;ssl=1 1253w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-186464-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour comprendre le march\u00e9 boursier, il faut analyser la performance des fonds indiciels ou certains ETF&#8217;s (aussi connu comme trackers). Car ils suivent un march\u00e9 boursier pr\u00e9cis.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>Voici la performance de 2 ETF&#8217;s qui ont suivi le march\u00e9 boursier pendant 10 ans. De 2013 \u00e0 2023. <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Un ETF Global (monde) &#8211; VT<\/strong><\/li>\n\n\n\n<li><strong>Un ETF US Am\u00e9ricain &#8211; VOO<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:4px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">S&amp;P 500 (VOO)<br> (March\u00e9 Am\u00e9ricain)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Vanguard Total Stock (VT)<br>(March\u00e9 Global)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Moyenne annualis\u00e9 en 10 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 12.53%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+8.28%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Commission annuelle (TER)<\/td><td class=\"has-text-align-center\" data-align=\"center\"> &#8211; 0.03%<\/td><td class=\"has-text-align-center\" data-align=\"center\"> &#8211; 0.07%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Total brut annualis\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 12.50%<\/td><td class=\"has-text-align-center\" data-align=\"center\">+ 8.21%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">date: de f\u00e9vrier 2013 \u00e0 f\u00e9vrier 2023<\/figcaption><\/figure>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-background\" style=\"background-color:#01003f\">\u26a0\ufe0f Ces donn\u00e9es sont de f\u00e9vrier 2013 \u00e0 f\u00e9vrier 2023. Les r\u00e9sultats pass\u00e9s ne sont pas une garantie pour le futur !<\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>\u26a0 Si tu souhaites v\u00e9rifier la performance au jour o\u00f9 tu lis cet article. Tu peux v\u00e9rifier sur le site <a href=\"https:\/\/www.etf.com\/tools\/etf-comparison\/VOO-vs-VT#block-cr-performance\" target=\"_blank\" rel=\"noreferrer noopener\">ETF.com<\/a>.<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2\">\ud83d\udd3a<strong>Par cons\u00e9quent. Ceux qui essaient de battre le march\u00e9, entre 2013 et 2023, ont d\u00fb faire:<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Plus que 12.5% annualis\u00e9 en moyenne, s&#8217;ils souhaitent battre le<\/strong> <strong>march\u00e9 am\u00e9ricain<\/strong>.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Plus que 8.21% annualis\u00e9 en moyenne, s&#8217;ils souhaitent battre le march\u00e9 mondial.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est le premier point que je rel\u00e8ve \u00e0 ceux qui essayent de battre le march\u00e9. En prenant compte les r\u00e9sultats pass\u00e9s. <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f29d9d\" class=\"has-inline-color\">Il faut faire une performance moyenne de plus que 12.50% annualis\u00e9 en 10 ans pour battre ceux qui investissent dans un ETF VOO (SP500).<\/mark><\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3\"><strong>\ud83d\udd3aCe qui signifie qu&#8217;essayer de battre le march\u00e9 est tr\u00e8s difficile sur le long terme\u2757<\/strong><\/h6>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Frais_lie_aux_transactions\"><\/span><strong>Frais li\u00e9 aux transactions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f54f00&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f54f00\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" data-attachment-id=\"14349\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/pexels-photo-4386369\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Karolina Kaboompics on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/american-dollar-bills-and-vintage-light-box-with-inscription-4386369\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;american dollar bills and vintage light box with inscription&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-4386369\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Karolina Kaboompics on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/american-dollar-bills-and-vintage-light-box-with-inscription-4386369\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?fit=600%2C400&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=1880%2C1253&#038;ssl=1\" alt=\"american dollar bills and vintage light box with inscription -Investir en Bourse : Surperformer ou Suivre le March\u00e9? \" class=\"wp-image-14349\" style=\"width:122px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-4386369.jpeg?resize=600%2C400&amp;ssl=1 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 <strong>Quand on cherche \u00e0 surperformer le march\u00e9 boursier. <span style=\"text-decoration: underline;\">Il ne faut pas n\u00e9gliger les frais de transactions<\/span><\/strong> \u26a0\ufe0f<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons qu&#8217;acheter et vendre au bon moment est primordial pour gagner de l&#8217;argent en bourse, avec une strat\u00e9gie active \u2757<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>En effet, ceux qui cherchent \u00e0 surperformer le march\u00e9 font g\u00e9n\u00e9ralement beaucoup de transactions. En tous cas, ils font plus de transactions que les investisseurs passifs.<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#070021\">\u26a0\ufe0f <strong>Beaucoup de transactions =  Beaucoup de commissions pour les comptes de trading.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tandis qu&#8217;avec un ETF diversifi\u00e9, il suffit d&#8217;investir une fois par mois. Avec un courtier boursier bon march\u00e9. <strong><span style=\"text-decoration: underline;\">C&#8217;est environ 3 CHF la transaction<\/span>.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udd0d <strong>De ce fait, environ 3 CHF par mois. C&#8217;est-\u00e0-dire, moins de 40 CHF par ann\u00e9e en commissions<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\">\ud83d\udd3a <strong>Voici un tableau avec une simulation. Entre l&#8217;investisseur passif qui ach\u00e8te un ETF par mois \u00e0 3 CHF la transaction comparativement \u00e0 l&#8217;investisseur actif qui r\u00e9alise un achat ou une vente par semaine \u00e0 3 CHF la transaction. <\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color\"><strong>Combien vont-ils d\u00e9penser en moyenne en frais de gestion li\u00e9s aux transactions?<\/strong> \ud83e\uddd0<\/h6>\n\n\n\n<figure class=\"wp-block-table is-style-regular\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:5px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Prix moyen 3 CHF la transaction<\/th><th class=\"has-text-align-center\" data-align=\"center\">Achat ou vente ETF, une fois par mois<\/th><th class=\"has-text-align-center\" data-align=\"center\">Achat ou vente action, une transaction par semaine<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Commissions en moyenne par semaine<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\">3 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Commissions en moyenne par mois<\/td><td class=\"has-text-align-center\" data-align=\"center\">3 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">12 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fef8cb\" class=\"has-inline-color\">Commissions en moyenne par ann\u00e9e<\/mark><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">36 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">144 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans cet exemple, il y a 108 CHF que l&#8217;investisseur actif d\u00e9pense en plus par ann\u00e9e que l&#8217;investisseur passif qui ne fait que suivre la bourse \u26a0<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\u25b6 <strong>De ce fait, pour \u00eatre rentable, il faut que le portefeuille actif fasse une moyenne de 9 CHF de plus par mois comparativement au portefeuille passif (pour cet exemple).<\/strong><\/h6>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-4\">\u26a0 <strong><span style=\"text-decoration: underline;\">Tu l&#8217;as compris ! Un investisseur actif doit avoir plus de b\u00e9n\u00e9fices que l&#8217;investisseur passif pour \u00eatre rentable.<\/span><\/strong><\/h6>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_temps_dinvestissement\"><\/span><strong>Le temps d&#8217;investissement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f578c6&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f578c6\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1724\" height=\"1300\" data-attachment-id=\"14351\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/hourglass-time-hours-sand-39396-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?fit=1724%2C1300&amp;ssl=1\" data-orig-size=\"1724,1300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Pixabay on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/clear-glass-with-red-sand-grainer-39396\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;clear glass with red sand grainer&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"hourglass-time-hours-sand-39396\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Pixabay on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/clear-glass-with-red-sand-grainer-39396\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?fit=600%2C452&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\/08\/hourglass-time-hours-sand-39396.jpeg?resize=1724%2C1300&#038;ssl=1\" alt=\"clear glass with red sand grainer - Investir en Bourse : Surperformer ou Suivre le March\u00e9?\" class=\"wp-image-14351\" style=\"width:121px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?w=1724&amp;ssl=1 1724w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=300%2C226&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=1024%2C772&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=768%2C579&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=1536%2C1158&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=1200%2C905&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=1320%2C995&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396.jpeg?resize=600%2C452&amp;ssl=1 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est un point important pour moi et ceux qui ont un art de vie minimaliste.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>Bien que le fait de trader peut \u00eatre amusant. Je ne veux pas passer ma vie \u00e0 regarder l&#8217;\u00e9tat de la bourse 2 heures par jour.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>En r\u00e9alit\u00e9, quand on souhaite surperformer le march\u00e9, il n&#8217;y a pas de miracle. Il faut analyser, vendre, acheter, calculer, etc. Tout \u00e7a prend du temps et &#8230; <span style=\"text-decoration: underline;\">aucun r\u00e9sultat est garanti<\/span> \ud83d\ude36<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#3c0505\">\ud83d\udd3a <strong><span style=\"text-decoration: underline;\">Je pr\u00e9f\u00e8re (et de loin), ne passer que 5 minutes par mois dans quelques ETF&#8217;s<\/span>.<\/strong> Sans faire attention aux fluctuations de mes placements boursier.<\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, j&#8217;aime faire attention \u00e0 des choses plus importantes dans ma vie. Comme par exemple ma copine, mes voyages ou ce blog. Plut\u00f4t qu&#8217;analyser les march\u00e9s boursiers pendant quelques heures par jour.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Les_risques\"><\/span><strong>Les risques<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f590f4&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f590f4\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"867\" height=\"867\" data-attachment-id=\"14354\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-7069430-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Faruk Tokluo\\u011flu on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/sad-man-in-elegant-wear-in-shabby-house-7069430\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;sad man in elegant wear in shabby house&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-7069430\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Faruk Tokluo\u011flu on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/sad-man-in-elegant-wear-in-shabby-house-7069430\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=867%2C867&#038;ssl=1\" alt=\"sad man in elegant wear in shabby house\" class=\"wp-image-14354\" style=\"width:124px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?w=867&amp;ssl=1 867w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-7069430-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que les risques sont un point important. Surtout pour ceux qui veulent investir r\u00e9guli\u00e8rement des grandes sommes.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, un ETF Global march\u00e9 total correspond \u00e0 poss\u00e9der une partie des meilleures actions dans les 4 coins de la plan\u00e8te. Avec des domaines tr\u00e8s vari\u00e9s.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\u27a1<strong> Par cons\u00e9quent, le risque de tout perdre est tr\u00e8s faible avec un ETF Global<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour donner un exemple, au jour o\u00f9 j&#8217;\u00e9cris ces lignes. L&#8217;ETF VT correspond \u00e0 investir dans environ &#8230; 9&#8217;430 actions. Avec des domaines et des r\u00e9gions diff\u00e9rents.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\"><strong>Tandis que si on investi activement, <span style=\"text-decoration: underline;\">il faut diversifier ses achats<\/span><\/strong> \ud83d\ude2c<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, chaque action doit \u00eatre analys\u00e9e afin de comprendre plusieurs aspects. Par exemple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le domaine de vente<\/li>\n\n\n\n<li>La r\u00e9gion de vente <\/li>\n\n\n\n<li>La performance financi\u00e8re de chaque entreprise <\/li>\n\n\n\n<li>Les dettes de l&#8217;entreprise<\/li>\n\n\n\n<li>Les dividendes<\/li>\n\n\n\n<li>La gestion du portefeuille boursier<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\">\ud83d\udc49 <strong>Encore une fois, je ne vois pas l&#8217;utilit\u00e9 d&#8217;avoir une action. Selon mon avis, l&#8217;ETF global march\u00e9 total est plus simple et plus diversifi\u00e9. Ce qui r\u00e9duit le risque de perte d&#8217;argent !<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-background\" style=\"background-color:#230044\"><span class=\"ez-toc-section\" id=\"%E2%96%B6%EF%B8%8F_Les_avantages_dessayer_de_surperformer_le_marche\"><\/span>\u25b6\ufe0f <strong>Les avantages d&#8217;essayer de surperformer le march\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Bien que jusqu&#8217;\u00e0 maintenant, j&#8217;ai mentionn\u00e9 uniquement les aspects n\u00e9gatifs d&#8217;essayer de surperformer le march\u00e9. Il y a quelques points o\u00f9 investir passivement, dans un ETF ou fond indiciel, peut \u00eatre discutable comparativement \u00e0 la gestion d&#8217;un portefeuille actif.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color\">Lesquels ?<\/h6>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"La_neutralisation_des_benefices\"><\/span><strong>La neutralisation des b\u00e9n\u00e9fices<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f5ac2d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f5ac2d\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1733\" height=\"1300\" data-attachment-id=\"14355\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/pexels-photo-159888\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?fit=1733%2C1300&amp;ssl=1\" data-orig-size=\"1733,1300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by energepic.com on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/close-up-photo-of-monitor-159888\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;close up photo of monitor&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-159888\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by energepic.com on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/close-up-photo-of-monitor-159888\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=1733%2C1300&#038;ssl=1\" alt=\"close up photo of monitor\" class=\"wp-image-14355\" style=\"width:157px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?w=1733&amp;ssl=1 1733w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-159888.jpeg?resize=1320%2C990&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Quand on a un ETF, certaines actions en baisse font diminuer le b\u00e9n\u00e9fice boursier global. <\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\ud83d\udc49 <strong>De ce fait, les actions moins performantes neutralisent le rendements des b\u00e9n\u00e9fices boursiers.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour donner un exemple, sur l&#8217;ETF VT global que j&#8217;ai analys\u00e9 ant\u00e9rieurement. Il est presque impossible que les 9&#8217;430 actions aient des b\u00e9n\u00e9fices au m\u00eame temps. <\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\"><strong>De ce fait, en prenant compte les centaines d&#8217;actions d&#8217;un ETF. Il y a aura certainement une partie des actions qui feront des pertes. Ce qui par cons\u00e9quent, fera neutraliser les b\u00e9n\u00e9fices des actions qui ont le plus perform\u00e9.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est un point mentionn\u00e9 par les traders actifs. Ils ont raison sur ce point!<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, sans les actions les moins performantes, les performances globales du portefeuille seraient meilleures. Les investisseurs passifs comme moi, gagneraient plus d&#8217;argent.<\/p>\n\n\n\n<p class=\"has-text-align-left has-light-green-cyan-color has-text-color wp-block-paragraph\">En revanche, je pose une question \ud83e\udd14<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color\"><strong>Qui peut savoir en avance quelle action va augmenter ou diminuer ? \u00c0 quel moment pr\u00e9cis ? Combien d&#8217;actions faut-il acheter ou vendre pour \u00eatre performant?<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 En r\u00e9alit\u00e9, ce sont des questions que personne ne peut savoir avec certitude en avance !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans ce cas, on rentre dans du sp\u00e9culatif. Dans cet univers, il y a toujours des perdants et des gagnants qui jouent \u00e0 la chaise musicale. Par cons\u00e9quent, personne ne peut garantir de quel c\u00f4t\u00e9 on sera \ud83d\ude36<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\"><strong>N\u00e9anmoins, entre mi-ao\u00fbt 2014 \u00e0 mi-ao\u00fbt 2024. Je rappelle que par exemple, un ETF Global VT a r\u00e9alis\u00e9 une moyenne de 8.89% annualis\u00e9 en 10 ans. <\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f5cd70&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f5cd70\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"363\" height=\"286\" data-attachment-id=\"14503\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/capture-vt-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/capture-VT.png?fit=363%2C286&amp;ssl=1\" data-orig-size=\"363,286\" 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=\"capture VT\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/capture-VT.png?fit=363%2C286&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\/08\/capture-VT.png?resize=363%2C286&#038;ssl=1\" alt=\"\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-14503\" style=\"width:326px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/capture-VT.png?w=363&amp;ssl=1 363w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/capture-VT.png?resize=300%2C236&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/capture-VT.png?resize=15%2C12&amp;ssl=1 15w\" sizes=\"auto, (max-width: 363px) 100vw, 363px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9 wp-block-paragraph\"><strong>Pendant ce temps, nous avons connu plusieurs crises qui n&#8217;ont pas aid\u00e9 la performance boursi\u00e8re globale. Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Guerres<\/li>\n\n\n\n<li>Pand\u00e9mie<\/li>\n\n\n\n<li>Forte inflation<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\u25b6 <strong>Malgr\u00e9 cela, +8.89% de b\u00e9n\u00e9fices annualis\u00e9s en moyenne sur 10 ans<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Tout \u00e7a en:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ne passant que 5 minutes par mois pour trader<\/li>\n\n\n\n<li>Environ 3 CHF par mois en commissions pour l&#8217;achat des ETF&#8217;s<\/li>\n\n\n\n<li>0.07% annuel en commissions pour le fond de placement (TER)<\/li>\n\n\n\n<li>Investissant dans les principales actions, dans les principaux pays boursiers, dans le monde entier<\/li>\n\n\n\n<li>Environ 9&#8217;430 actions dans un portefeuille boursier<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\">Je pense qu&#8217;on est pas mal \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Devenir_proprietaire_de_ton_action\"><\/span><strong>Devenir propri\u00e9taire de ton action?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a983b3f5e47b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a983b3f5e47b\" class=\"wp-block-image aligncenter size-full is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1733\" height=\"1300\" data-attachment-id=\"14357\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/investir-bourse-surperformer-ou-suivre-le-marche\/pexels-photo-261621\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?fit=1733%2C1300&amp;ssl=1\" data-orig-size=\"1733,1300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;Photo by Pixabay on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/selective-focus-photography-of-person-signing-on-paper-261621\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;selective focus photography of person signing on paper&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-261621\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Pixabay on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/selective-focus-photography-of-person-signing-on-paper-261621\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?fit=600%2C450&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=1733%2C1300&#038;ssl=1\" alt=\"selective focus photography of person signing on paper\" class=\"wp-image-14357\" style=\"width:164px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?w=1733&amp;ssl=1 1733w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=1536%2C1152&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=16%2C12&amp;ssl=1 16w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-261621.jpeg?resize=1320%2C990&amp;ssl=1 1320w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Un autre aspect qui peut favoriser \u00e0 investir activement, c&#8217;est le fait de devenir propri\u00e9taire de l&#8217;action que tu ach\u00e8tes. <\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\"><strong>En effet, quand tu ach\u00e8tes une action, tu deviens propri\u00e9taire d&#8217;une petite partie de l&#8217;entreprise que tu investis.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tandis qu&#8217;avec un ETF, en th\u00e9orie. C&#8217;est le fond de placement qui est propri\u00e9taire de l&#8217;action que tu investis.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 Cela signifie qu&#8217;il faut avoir confiance dans le groupe du fond de placement de ton ETF. De ce fait, ne jamais choisir des fonds de placements avec une r\u00e9putation douteuse !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-vivid-red-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-11 wp-block-paragraph\"><strong>Investir en Bourse : Surperformer ou Suivre le March\u00e9?<\/strong><\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\"><strong>Sur une longue p\u00e9riode, surperformer le march\u00e9 boursier est tr\u00e8s compliqu\u00e9 !<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Je ne dis pas impossible car certains y arrivent. Je les f\u00e9licite au passage !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En revanche, <strong>je suis d&#8217;avis que si on fait le bilan<\/strong>:<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center\">\ud83d\udd0d <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f4a7a7\" class=\"has-inline-color\">Temps VS Performance VS Commissions VS Risques<\/mark><\/strong><\/h6>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\ud83d\udc49 <strong>Un ETF Global march\u00e9 total (ou un ETF SP500) avec un TER faible est la meilleure option, selon mon avis.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voici un tableau pour r\u00e9sumer cet article:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ffffde\" class=\"has-inline-color\">Inconv\u00e9nients d&#8217;essayer de battre de le march\u00e9<\/mark><\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fbffd5\" class=\"has-inline-color\">Avantages d&#8217;essayer de battre le march\u00e9<\/mark><\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Certains ETF&#8217;s ont des performances tr\u00e8s \u00e9lev\u00e9es. Par cons\u00e9quent, battre le march\u00e9 boursier est tr\u00e8s difficile !<\/td><td class=\"has-text-align-center\" data-align=\"center\">Il est possible de devenir propri\u00e9taire (une partie) des actions qu&#8217;on ach\u00e8te. Pas avec un ETF.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">G\u00e9n\u00e9ralement, les frais de transactions sont plus \u00e9lev\u00e9s que lors qu&#8217;on essaye de battre le march\u00e9 comparativement \u00e0 quand on essaye de le suivre le march\u00e9 boursier<\/td><td class=\"has-text-align-center\" data-align=\"center\">Possibilit\u00e9 de sp\u00e9culer avec les actions achet\u00e9es. Ce qui parfois sera un jeux gagnant et parfois sera un jeux perdant.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Temps d&#8217;investissement sup\u00e9rieur lors qu&#8217;on essaye de battre le march\u00e9. Sans garantie de rentabilit\u00e9<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ne pas acheter un fond de placement ETF douteux<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Les risques de tout perdre en bourse sont sup\u00e9rieurs comparativement \u00e0 certains ETF&#8217;s<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9viter les frais TER des ETF&#8217;s<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Facilement influen\u00e7able aux \u00e9motions n\u00e9gatives de la sp\u00e9culation des march\u00e9s financiers<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Gestion du portefeuille boursier plus compliqu\u00e9 comparativement \u00e0 un ETF <\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#4d0000\"><strong>\u26a0\ufe0f Investir comporte un risque de perte d&#8217;argent. Cet article ne peut \u00eatre pris qu&#8217;\u00e0 des fins de divertissement<\/strong>\u2757<\/h6>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-12 wp-block-paragraph\"><strong>Investir en Bourse : Surperformer ou Suivre le March\u00e9?<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/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=7053\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/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-13 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-14\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-15 wp-block-paragraph\">Investir en Bourse : Surperformer ou Suivre le March\u00e9?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investing in the Stock Market: Outperform or Follow the Market? 10 minutes to 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