L'erreur fatale des rentiers
Nicolas Chéron
54,075 views
Join over 70,000 investors on my bi-monthly newsletter: https://www.nicolascheron.fr/
Are you familiar with the 4% rule?
It's become the Holy Grail for a whole generation seeking "financial freedom."
There's even a magic formula: "Once your stock market capitalization is worth 25 times your annual expenses, you're free."
For example, if you spend €30,000 per year, you would need €750,000 in capital.
With that amount: vacations, cocktails, and the rat race are yours for the taking.
The problem is that this 4% figure comes from a 1994 study, calculated using past data and focusing solely on the American stock market. But when you compare this study to the rest of the world, the length of a real life, taxes, and especially your own brain... well, not much of that promise remains.
Today, we're going to see why this 4% rule is a mirage you absolutely shouldn't cling to if you want to become financially independent.
Because if you take it as a guarantee, it could very well ruin you.
▬▬ ✅ MY SOCIAL MEDIA ✅
►Free Newsletter: https://www.nicolascheron.fr/
►Twitter: https://x.com/NCheron_bourse
►Instagram: Instagram: ncheron_bourse
►LinkedIn: LinkedIn: nicolas-cheron
►TikTok: TikTok: ncheron_bourse
►Facebook: Facebook: ncheronbourse
►Twitch: Twitch: ncheron_bourse
►Threads: https://www.threads.net/@ncheron_bourse
▬▬ ⚠️ DISCLAIMER ⚠️
This is the “Let’s Be Grown Up” section.
The information, charts, figures, opinions, and comments provided by Nicolas Chéron are intended for investors with the necessary knowledge and experience to understand and evaluate the information presented. This information is provided for informational purposes only and does not constitute an obligation to invest, nor an offer or solicitation to buy or sell any financial products or services.
The investor is solely responsible for the use of the information provided, without recourse against Nicolas Chéron, who is not liable for any errors, omissions, unsuitable investments, or market developments unfavorable to the transactions carried out.
Investing in the stock market is risky. You may incur losses. Past performance is not indicative of future results, is not constant over time, and is in no way a guarantee of future performance or capital. References to past rankings and awards do not guarantee future rankings or awards.
The content of my videos is not legal, tax, or investment advice. The information provided is educational and general in nature and does not constitute investment advice as defined in Articles L. 321-1 and D. 321-1 of the French Monetary and Financial Code.
20 Comments
Servir la soupe psychologique est aussi lassant ...
Accumuler aussi les études pour dire " Ah maintenant on sait .... " / Avant on savait aussi; différemment avec d'autres études ....
Heureusement ( sauf erreur ) pas de fameux "biais" balancé, juste pour éviter de vraiment réfléchir ....
En quoi c’est + facile? Le capital croit plus vide avec les dividendes et le rendement des placements?
Au total je suis pas sûr de rentrer les 4% (il faut bien garder une partie compte courant / fonds euros pour la securité).
Vraie question, des pistes, vidéos, lectures?
Merci Nicolas
Sinon on brule le capital
Ce type de portefeuille (dit "permanent") résiste à tous les krachs et ne s'épuise jamais.
Dommage de voir encore des vidéos sur ce sujet sans évoquer ce portefeuille, alors que ça devrait être la base.
L'erreur fatale des rentiers
Nicolas Chéron
54,075 views
Join over 70,000 investors on my bi-monthly newsletter: https://www.nicolascheron.fr/
Are you familiar with the 4% rule?
It's become the Holy Grail for a whole generation seeking "financial freedom."
There's even a magic formula: "Once your stock market capitalization is worth 25 times your annual expenses, you're free."
For example, if you spend €30,000 per year, you would need €750,000 in capital.
With that amount: vacations, cocktails, and the rat race are yours for the taking.
The problem is that this 4% figure comes from a 1994 study, calculated using past data and focusing solely on the American stock market. But when you compare this study to the rest of the world, the length of a real life, taxes, and especially your own brain... well, not much of that promise remains.
Today, we're going to see why this 4% rule is a mirage you absolutely shouldn't cling to if you want to become financially independent.
Because if you take it as a guarantee, it could very well ruin you.
▬▬ ✅ MY SOCIAL MEDIA ✅
►Free Newsletter: https://www.nicolascheron.fr/
►Twitter: https://x.com/NCheron_bourse
►Instagram: Instagram: ncheron_bourse
►LinkedIn: LinkedIn: nicolas-cheron
►TikTok: TikTok: ncheron_bourse
►Facebook: Facebook: ncheronbourse
►Twitch: Twitch: ncheron_bourse
►Threads: https://www.threads.net/@ncheron_bourse
▬▬ ⚠️ DISCLAIMER ⚠️
This is the “Let’s Be Grown Up” section.
The information, charts, figures, opinions, and comments provided by Nicolas Chéron are intended for investors with the necessary knowledge and experience to understand and evaluate the information presented. This information is provided for informational purposes only and does not constitute an obligation to invest, nor an offer or solicitation to buy or sell any financial products or services.
The investor is solely responsible for the use of the information provided, without recourse against Nicolas Chéron, who is not liable for any errors, omissions, unsuitable investments, or market developments unfavorable to the transactions carried out.
Investing in the stock market is risky. You may incur losses. Past performance is not indicative of future results, is not constant over time, and is in no way a guarantee of future performance or capital. References to past rankings and awards do not guarantee future rankings or awards.
The content of my videos is not legal, tax, or investment advice. The information provided is educational and general in nature and does not constitute investment advice as defined in Articles L. 321-1 and D. 321-1 of the French Monetary and Financial Code.
Rejoignez ma newsletter : deux fois par mois, j'y partage les analyses d'experts avec plus de 70 000 investisseurs.
Le lien est ici : https://nicolascheron.fr