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.
I owned 4 properties in Valais and managed a stock portfolio for over 20 years. Net real estate yield: 2.3%, up to 14.33% with leverage. Stocks: 7% after tax. Swiss tax, LPP strategy, liquidity: the full honest numbers.
Real estate vs stocks: 20 years of experience, real numbers Lire la suite »
Two major strategies compete in the FIRE quest: cutting expenses (demand) or maximising returns (supply). One has a natural ceiling. The other doesn’t. A data-driven demonstration.
Financial independence: supply beats demand, here’s why Lire la suite »
FCF Yield outperforms the P/E ratio for identifying undervalued stocks — but does it hold up with real transaction costs? 22-year European backtest, 40 stocks, point-in-time data. Results, limits and FCF/EV vs FCF/MktCap comparison.
FCF Yield: the ratio Warren Buffett uses without naming it (European backtest) Lire la suite »
ETFs make investing easy and affordable — but are they truly the optimal solution? This complete guide analyses their advantages, their systematic bias towards large caps, and reveals when direct stock investing is superior. Detailed comparisons of SPY, VTI, QQQ and European alternatives.
Investing in ETFs: advantages, limits and practical choices Lire la suite »
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: how to build 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: still worth it in 2026? 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 (1978–2026) Lire la suite »