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.
A 100% equity portfolio can be diversified and high-performing. 28 years of backtests: ETF strategies and stock selection by market cap, sector, and geography to beat the market.
100% Equity Portfolio: Backtests and Risks (1996-2024) Lire la suite »
What if five ETFs were enough to build a portfolio that weathers every economic storm while beating the market? A Browne-inspired strategy, backtested and refined for Switzerland.
Permanent Portfolio 2.0: Investing With Just 5 ETFs Lire la suite »
A Switzerland-specific alternative to the official three-pillar pension system: five pillars built for early financial independence, not a modest retirement at 65.
The 5 Pillars of Financial Independence in Switzerland Lire la suite »
What a prison escape story teaches about building financial independence: hope, patience, and a mind that refuses to be institutionalized.
The Shawshank Redemption: Financial Freedom and Independence of Mind Lire la suite »
A pure quality score, no valuation involved: does the Piotroski F-Score beat the European market on its own over 22 years, and does pairing it with a simple value ratio make it stronger, or just different?
Piotroski F-Score: 9 Criteria to Separate Good Stocks From Bad (Backtest) Lire la suite »
The 4% rule is the FIRE community’s holy grail — simple, reassuring, and deeply flawed. After 25 years of investing and several years of actual retirement, I can no longer defend it. Here’s the methodological case against SWR, why gold is its most revealing victim, and what a rigorous alternative looks like.
Why the 4% Rule Is Broken — And What Gold Reveals About It Lire la suite »
The FIRE movement has produced tens of thousands of financially independent people. It has also produced near-intellectual unanimity around a single investment paradigm: passive world ETFs, Vanguard, Bogle, Malkiel. What barely exists is the other great tradition — that of Graham, Buffett, and value investing. Why?
Why FIRE ignores value investing (and why it matters) Lire la suite »
The FIRE movement promises early retirement. But most people who achieve financial independence don’t stop — they pivot. FINE (Financial Independence, Next Endeavor) is the concept that describes this reality.
FINE vs FIRE: Financial Independence as a Launchpad Lire la suite »