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.
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 »
Most « FIRE retirees » you read online don’t live off their portfolio — they live off their audience. A structural reality every serious investor must understand before following 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.
EV/EBITDA ratio: +11%/year over 20 years in Switzerland 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: does it still beat the market? 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.
France vs Switzerland: how much does FIRE really cost? Lire la suite »