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.
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 »
Harry Browne’s permanent portfolio excels at managing risk — but can it be improved? Comparative backtests of the PP 2.0 and PP 2.x for a better risk-adjusted return, with volatility kept firmly in check.
Permanent portfolio 2.x: beat the S&P 500 with just 5 ETFs Lire la suite »
European rearmament: Thales, Rheinmetall and Leonardo compared with fresh July 2026 data on valuation, profitability and dividends, plus concrete recommendations for French PEA and Swiss brokerage accounts.
Thales vs Rheinmetall vs Leonardo: best defense stock 2026? Lire la suite »
William Bengen, father of the 4% rule, has published a new diversified portfolio including small and micro caps. Full backtest in CHF, critical analysis and SWR calculation: can retirees really spend more?
Bengen’s Richer Retirement Portfolio: is the 4% rule dead? Lire la suite »