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.
Asset allocation is the foundation of any successful investment strategy. Learn how to diversify across asset classes, control volatility and avoid ETF pitfalls on the path to financial independence.
Asset allocation guide: building a diversified portfolio Lire la suite »
Swiss real estate ETFs offer what most investors overlook: a Sharpe ratio of 0.65 versus 0.51 for the S&P 500. Complete guide with 14-year backtests comparing Swiss, US and European instruments and optimal FIRE allocations.
Swiss real estate ETFs and funds: complete guide and backtests (2011-2024) Lire la suite »
Harry Browne’s Permanent Portfolio allocates 25% each to stocks, long-term bonds, gold and cash — designed to perform across all economic cycles. Our 1978-2024 backtests reveal the true cost of its exceptional stability.
Harry Browne’s permanent portfolio: guide and backtests Lire la suite »
The Golden Butterfly Portfolio promises to combine the stability of the Permanent Portfolio with superior returns. Here are the first CHF backtests (1978-2026), comparing GB to the classic PP, PP 2.x, PFD and S&P 500. Instructive results.
Golden Butterfly Portfolio: CHF backtest and analysis (1978-2026) Lire la suite »
Most of the « FIRE retirees » you read don’t live off their portfolio — they live off you. This isn’t a moral accusation: it’s a structural reality that every serious investor must understand before following any financial advice online.
FIRE Has Become an Industry: How to Detect Biased Advice Lire la suite »
The EBITDA/EV ratio compares operating profitability to total enterprise value. My 2004–2024 backtest proves its effectiveness: +11%/year in Switzerland for the top quintile, with outperformance concentrated in small caps.
EBITDA/EV ratio: beat the market with a 20-year backtest Lire la suite »
You’ve achieved financial independence but can’t enjoy it? You may be suffering from the Frugal Race — the frugal retiree syndrome. Testimonials, symptoms, and concrete solutions (VPW, budget envelopes) to finally live the retirement you deserve.
The Frugal Race: When FIRE Stops You From Enjoying Life Lire la suite »
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 »