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.
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 »
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 »