Vivre libre financièrement
Vivre libre financièrement
Vivre libre financièrement
Vivre libre financièrement
All articles from dividendes.ch translated into English. Covering financial independence, FIRE strategies, value investing, and Swiss personal finance — with a European perspective.
The price to book ratio (P/B) compares a company’s market value to its book value. It helps identify potentially undervalued stocks. Our 20-year backtest on Swiss and French markets reveals its real-world effectiveness.
Price to book ratio: definition, formula and backtest Lire la suite »
Detailed comparison of monthly living costs in France vs Switzerland 2026: rent, food, health insurance and taxes by city and canton. What it really costs — and how much to save for FIRE.
Monthly budget France vs Switzerland 2026: real figures by city Lire la suite »
After 25 years of investing and several major crises survived, I share 4 backtested defensive strategies: trailing stops, moving averages, defensive allocations and value/quality focus. Data 2004–2026.
4 defensive investment strategies to protect your capital Lire la suite »
My wife spent years juggling savings accounts to scrape together an extra 0.1% in interest. When rates dropped again in 2024, I saw my opportunity. Here’s the ETF portfolio I built for her on Neon Invest — and why it performs remarkably well.
Neon Invest ETF portfolio: the story of a conversion Lire la suite »
True wealth isn’t about millions in the bank. Coast FIRE and Barista FIRE mark the stages where you enter financial independence — long before you stop working. Are you already free without knowing it?
Coast FIRE and Barista FIRE: are you already financially independent? Lire la suite »
Analysis of Swiss LPP pension portfolios: OPP2 asset allocation limits (50% equities, 30% real estate), historical performance and backtests 2004-2024. Pension funds deliver only 3-4%/year when 7% is achievable.
Swiss LPP portfolio: composition, returns and OPP2 limits Lire la suite »
Partners Group (PGHN) manages USD 174 billion in alternative assets with operating margins of 58%. After a -38% correction over 12 months, the stock trades at a discount to its industry on earnings. Full analysis with 2025 data.
Partners Group (PGHN): Analysis of the Swiss Private Equity Leader Lire la suite »
Switzerland’s LPP occupational pension is in structural crisis: the minimum interest rate has dropped from 4% to 1.25% in 28 years while markets returned 4.5× more. Analysis of the decline, its impact on future pensions and concrete alternatives.
Switzerland’s LPP pension: the 2nd pillar in slow decline Lire la suite »