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.
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, backtested since 2004 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: closer to FI than you think 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 »
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 »
What should you do when a stock drops 20% or more? The stop loss strategy, validated by academic research, helps protect your capital while improving overall portfolio performance. A practical guide for long-term investors.
20% stop loss rule: protect your portfolio from crashes Lire la suite »
US REITs and MLPs were once prized for their generous distributions. Since 2023, a punishing withholding tax (10% on gross sale proceeds) makes MLPs unworkable for non-US investors. Find out why Swiss real estate now offers a better risk-return profile for a European FIRE strategy.
Why I abandoned REITs and MLPs for Swiss real estate Lire la suite »
Reach financial independence with ~20% savings and smart investing: calculate your FIRE number, master your spending and build passive income. Complete guide updated in 2026.
Early retirement guide: financial independence in 2026 Lire la suite »