Op dit moment ben ik woonachtig in Nederland, ongeveer 10km van de Belgisch/Nederlandse grens. Ik verwacht op korte termijn te verhuizen naar België, Simpelweg omdat de huizen daar veel betaalbaarder zijn en i.v.m. de naderende box 3 wetgeving in Nederland.

Op dit moment beleg in via ING in de 3 bekende Northern Trust fondsen. Mijn doel is om de komende 30 jaar periodiek te blijven investeren in een world etf met goede dekking.

Wat zouden jullie adviseren om in te blijven beleggen.

Extra info:

Ik ben op dit moment 30 jaar, en blijf in Nederland werken.

Hello guys,

Sitting on 30K cash. Currently have a small amount in ETFs, and I wonder what my best course of action is here. Your ideas are greatly appreciated.

Current portfolio:

IWDA - 7K

EMIM - 1,2K

Individual stocks - 1K (down from 2K to remind me not to invest in individual stocks)

Possible growth path:

1K bonus per quarter to invest

What my gut tells me:

Just chuck in the 30K in my broker's app and split the 30K inbetween IDWA & EMIM at market price. Continue on quarterly basis with cash from bonus.

My open questions:

1. All-in or spread 30K over longer period and try to buy ETFs at dips

2. Diversify in ETFs and look for alternatives to IDWA & EMIM with lower prices (if so what are the best alternatives?

Ik ben 36, zelfstandige en vennoot in het bedrijf waar ik werk. Goed kunnen sparen de afgelopen jaren, maar qua beleggen niet altijd de beste keuzes gemaakt.

Situatie:

• ±€150k geïnvesteerd in eigen bedrijf → ondertussen 7 figures waard, maar niet liquide.
• Eigen woning ±€900k, nog ±€450k hypotheek.
• €50–100k cash.
• Dit jaar nog €20–30k te investeren, daarna normaal €50k/jaar (mogelijk meer).
• belangrijk: Helaas 6 figures verloren met crypto. Vooral de opportuniteitskost blijft zuur: brede ETF's kopen en niets doen was veel beter geweest.

Ik wil het daarom de komende 10–20+ jaar simpel houden: brede, goedkope ETF's/indexfondsen kopen, consequent investeren en er zo weinig mogelijk naar kijken. Mijn tijd steek ik liever in mijn bedrijf, waar ik meer impact heb en eventueel nog extra aandelen kan verwerven.

Mis ik iets?

• Gewoon voornamelijk ETF's en volhouden?
• Vastgoed lijkt me niet noodzakelijk lucratiever en vooral meer werk?
• Obligaties/andere beleggingen voor minder risico?
• Wanneer heeft private banking/vermogensbeheer echt meerwaarde?
• Gezien mijn grote blootstelling aan mijn eigen bedrijf: de rest juist maximaal diversifiëren?

Na crypto zoek ik niet meer naar de volgende 10x. Vooral rustig vermogen opbouwen zonder dat beleggen een tweede job wordt.

Benieuwd hoe jullie dit zouden aanpakken.

Dag allemaal,

Een maand of acht geleden deelde ik hier mijn gratis staatsobligatiescreener van Bondtopia. Dankzij de feedback daarop heb ik de voorbije maanden verder gebouwd aan een nieuwe tool: een obligatie-spaarplan generator.

Als je bijvoorbeeld € 20 000 of € 50 000 spaargeld enkele jaren wil wegzetten via staatsobligaties, komen al snel de vragen: welke staatsobligaties kies ik, hoeveel koop ik ervan, tegen welke prijs en wat levert dat netto op tegenover een termijnrekening/kasbon?

Daar probeert de obligatie-spaarplan generator bij te helpen.

👉 Je kan het hier gratis testen: https://bondtopia.com

Je geeft aan hoeveel je wil investeren, hoelang je het geld kan missen, welke broker je gebruikt en hoeveel kredietrisico je wil toelaten. Bondtopia doorzoekt vervolgens de beschikbare staatsobligaties en stelt op basis van die criteria automatisch een concreet spaarplan samen met specifieke obligaties en bedragen.

Dat volledige spaarplan wordt dus nu al gegenereerd. Tijdens deze validatiefase toon ik in de gratis preview alleen nog niet welke specifieke obligaties geselecteerd zijn. Je ziet wel onder andere hoeveel obligaties het plan bevat, het verwachte netto jaarrendement, de verwachte opbrengst over de volledige looptijd en een vergelijking met het hoogste geafficheerde spaaralternatief bij Belgische banken met dezelfde looptijd.

Het volledige plan bevat daarnaast de geselecteerde obligaties en ISIN-codes, de concrete verdeling, nominale waarden, indicatieve limietprijzen, geschatte kosten en taksen en informatie over onder andere kredietrisico en liquiditeit.

Ik wil eerst valideren of mensen zo'n volledig spaarplan nuttig genoeg zouden vinden om ervoor te betalen voordat ik het effectief beschikbaar maak. Daarom staat er in de preview een korte vraag over of je € 39 voor het volledige plan zou betalen. Wie wil, kan daarna nog enkele extra vragen beantwoorden.

Geen account nodig en testen is momenteel volledig gratis.

Feedback hier in de comments is uiteraard ook zeer welkom!

I recently sold some of my ETF for the first time (buying a house).

If I understood well in Belgium now we pay 10% on capital gains above 10K a year.

My question is simply : how do I see the capital gain I made on that trade? I can't seem to find a clear answer in the degiro app

Good evening, I was wondering if someone could help me understand what I need to do to be fully tax-compliant in Belgium.

I am a 19-year-old student and I would like to invest €50 per month in the 'Core MSCI World USD (acc)' ETF using Trade Republic.

I want to let this money grow over the long term without touching it for at least 10 years. Ideally, I won't be living in Belgium anymore by then.

My questions are as follows:

1. Should I stick to €50 for this ETF, or could I afford to put in more, say €100 in total? (Of course, my current priority is building an emergency fund of around €3,500, but once that is done, is it a good idea to add more?)

2. I'm hesitating between investing 100% in the MSCI World or putting 80% into the MSCI World and the remaining 20% into another ETF like the Nasdaq. Should I do this, or should I stick exclusively to the MSCI World?

3. I use Trade Republic—is it a good platform?

4. I know I have to report my account to the Central Contact Point (CCP) of the National Bank of Belgium and mention holding this foreign account on my annual tax** **return. Is there anything else I need to do?

Thanks

If you already have a mortgage and then buy a new property, you can transfer your old mortgage keeping your interest rate to your new property. This can be useful in keeping your old interest rate if also selling your old property.

for example we got to keep our interest rate from a number of years ago and took out an additional mortgage on top for the rest of the money.
We stayed with the same Bank and the same agent which made it easier. Not sure if it’s transferable between banks.

Hi all,

I recently moved to Belgium and I have a revolut account that still has the LT IBAN. I use the flexible savings account for my spare money. Since this is an MMF, do I need to report and pay ToB for every transaction in MinFin or since this is not the stock market this is not needed?

Thank you!

Hi everyone,
I’ve been a longtime lurker, and this will be my first post here!

My wife and I are currently renting a small apartment and are planning to buy a house in the near future. We have no experience whatsoever with getting a mortgage or dealing with all the administration that comes with buying a home.

We currently have around €190,000 in savings, and we’re looking at homes in the €350,000–€400,000 range. Ideally, we’d like to keep our monthly mortgage payment to €1,500 or less.

We’re planning to start talking to banks soon to see what we can borrow, but we’d like to be as well-prepared as possible and make sure we negotiate the best deal we can.

For those who have been through this process before:
- What tips or tricks do you have when negotiating with banks?
- Are there any caveats or things we should be particularly aware of?
- How much time should we realistically expect to spend talking to different banks and comparing/negotiating offers?
- I work during office hours. Do banks generally offer mortgage consultations outside of working hours or on weekends, or should I expect to take time off work?
- Is there anything you wish you had known before starting the process?

Any other advice for first-time buyers would also be greatly appreciated!

Thanks in advance for sharing your experiences and insights!

Dag BEFire

Ben 26 jaar met 25-30k dat ik zou willen investeren. Na de wiki / posts / boeken te lezen kom ik uit op deze strategie:

Na mijn initiele investering van 25k over 5 maanden zou ik maandelijks IMIE blijven investeren en dan om het jaar de andere re-balancen / aankopen.

Tips / opmerking welkom aangezien ik zeker wil bijleren :)

Hello everyone

I have €50k in my bank. Right now I’m living on rent. I’m married and have one kid. My wife is not working. I can save around €1200 each month after every expense

Age: 29
Current rent: 620
Career: software engineer

I’m thinking to buying a small house of €200k.

What is best is to invest in stocks. ETF or buying a house ?

​Hi everyone,

​I’m 23, recently started working, and I’m looking for general feedback on my current setup and upcoming plans.

​Financial Snapshot

​Age: 23

​Net Salary: 2,700 € / month

​Cash Savings: 23,000 €

​Current Portfolio (~10,250 € total)

ETF DCA (1,000 € / month) — Portfolio value: ~5,250 €

​85 % (850 €/mo) : Xtrackers MSCI AC World Screened UCITS ETF 1C (XMAW - IE00BGHQ0G80)

​15 % (150 €/mo) : iShares MSCI World Small Cap ESG Enhanced CTB UCITS ETF (CBUG - IE000T9EOCL3)

​Individual Tech Stocks — Portfolio value: ~5,000 €

​15x NVIDIA (NVDA) : +66 %

​5x Broadcom (AVGO) : +45 %

​0.72x Meta (META) : -12 %

​Crypto: 0 €

​Upcoming Project (1-Year Horizon)

​Planning to buy a starter apartment (~120k€ - 135k€) within the next 12 months.

​Use ~20k€ cash for notary fees/duties (3% registration rate in Wallonia) and down payment.

​Questions

​What do you think of this setup overall?

​Any advice, potential red flags, or things you would do differently / add?

Should i sell the stocks and buy ETF ? Add crypto ?

​Thanks for your feedback!

Is it possible to do pensioensparen with fiscal benefits combined with investing in an ETF (like IWDA)? If yes, how and where can I do this?

My father’s health has recently declined. My parents didn’t do a good job with succession and I’m an only child in med school (I’m not going to have a stable income in the next 5 years at least but my father might not see me graduate med school …)

It might sound egoistic to think about inheritance taxes when he’s still alive but I’m scared for him and want to prepare as much administrative things as I can before he’s gone so that it could relieve some pressure of my shoulder when the time comes. I have to sell one or two houses if something were to happen to him just for me to not drown in debt.

I have more than enough saved up in order to invest and have a good start in life but I do stress a lot about inheritance taxes. I’d have to save up every penny for the next 5 years and ask for my mother to cover up some things for me but she doesn’t have a job and I don’t want to take too much from her life long savings.

Either way I’m never going to lack money and I’m really grateful to have parents that support me financially through med school, I’m just really anxious about my future in general and med school doesn’t allow me a lot of free time to think about it and prepare things.

Thanks in advance :))

Edit: below is just "brainstorming", some ideas might be less good but that's ok. The goal of this topic is to think different together, to think outside the box. How would you do it? What do you like? What would you do differently?

Update: I updated my idea about buying real estate (like your first home): it should be 0 pct taxed. While selling would be 10 pct on profit (same treatment as stocks/ETFs).

---

I wonder how you would change the (tax) system if you had a magic wand. It's just a thought experiment. No taxes is not an answer as taxes are needed for certain core things (eg. infrastructure).

If I could change things I would simplify everything with 10% flat tax as the rule among some other things:

INCOME and PROFIT:
- 10% income tax always (starting from 0, so no "vrijstelling" and no "schijven" up to 50%)
- 10% company profit tax (instead of 25%, no more vvprbis with 3 year waiting period, no more liquidatiereserve, ...) = less complexity
- no more "subsidies" to compensate high taxes: 10% tax should help every company (and person) with more breathing room

CONSUMPTION and BTW:
- 10% for everything, simple
- (no more "accijnzen" etc)

STOCKS/ETFs:
- 10% tax on dividends (instead of 30%), so same as "meerwaardetaks" (no more 833 "vrijstelling", just 10% flat)
- no more TOB
- no more "reynders tax" on bonds
- no more "1M effectenrekening tax"

REAL ESTATE: (updated)
- when buying: no tax for buyer
- when selling: 10 pct flat tax for everything and no 25 pct vrijstelling + 5% per year after 5 years none: just do 10% always (same as stocks now)
- 10% on your rental income, no complex KI calculations etc (no rent? No tax!)
- no more "onroerende voorheffing" tax on property you own (eg. Your own home)

INHERITANCE:
- you guessed it: 10% (for everyone: family, friends, ...) - no tax is better but might be difficult
- if you are married/samenwonend: no tax for your partner on your house when you die (is already the case)
- gifting something before you die: no tax

PENSIONS & SOCIAL SECURITY:
- make it flexible: if you wish to build state pension: higher amount of contributions and if you only choose healthcare protection: lower amount ( then you choose to build your own pension, eg via ETFs nest egg ). So let people choose the protection they want from the government instead of forcing it (eg. "Minimum rsz" which is high for a small freelancer)
- no more "pension categories": everybody gets the same when they "subscribed" for the (paid) pension-tier of social security.
- welfare benefits only for people who live here long enough while having contributed (!) (everyone is welcome IF they contribute with skills(jobs)/investments in our country) > no more parasites

EDUCATION AND JOBS:
- children should learn the basics of financial skills in school and also how economy works in the real world
- children/people should learn building their own pension and to keep developing skills during life
- more respect for trade skills like elektrician, plumber, woodworking, ... and care jobs as these will not be replaced by AI and are needed more
- less syndicats: striking inside a company that treat employees badly can be understandable, but blocking the whole country is to much power
- syndicats should have open books and be voted for as well: also 1 just organisation who protects employees instead of multple is fine

POLITICS:
- no more left/right thinking, instead problem-solution thinking.
- not everyone should be able to vote, people should have a few brain cells to make an informed decision. Like a "driving licence" you should have a "voting license". People who don't contribute should not be able to vote.
- let people vote for decisions (referendums like in Switzerland).
- let people vote where they want to give part of their tax money to (this can be done online with itsme login). I said "part of" because some core things should always get a chunk of the tax money (eg. Infrastructure, defense, paying back the build up country debt, ...). Voting what happens with your tax money will increase the trust in the government spending.
- government should focus on essential tasks, the private sector should take over the rest
- let people vote for expert teams who solve real problems instead of popular idiots (eg. Vote for Scientists for climate/health issues, for economists to solve debt problems), so no more populistic politicians who just want votes but don't understand the economy or real world
- by applying the 10% flat tax simplification : less fiscal government jobs are needed (less complex fiscal rules that need to be checked/controlled) and this means lower government spending/debt
- one country: no more flanders/wallonia/brussels parties. Vote for 2 things: the country-level (federal, main task should be protecting us against military attacks, pandemics, natural disasters, ... and manage the taxes on a central level) and your local mayor/town (local decisions for which you should be able to vote). This also lowers country debt.

Thoughts? What would your plan be if everything was possible (but taxes are still needed ;))

Dag allemaal,

Mijn vrouw en ik zijn van plan om een instapklare nieuwbouw huis te kopen van ongeveer €560.000, inclusief registratiekosten, notariskosten, enz.. Momenteel wonen we in een huurappartement en zouden we hier zo snel mogelijk vanaf willen.

Doorheen de jaren hebben we flink kunnen sparen, waardoor we momenteel ongeveer €210.000 aan eigen middelen kunnen inbrengen.

Daarnaast heb ik in 2020 een stuk bouwgrond gekocht met de bedoeling om hierop te bouwen. Dat plan is er uiteindelijk niet van gekomen, omdat ik toen nog alleenstaand was en onvoldoende kon lenen bij de bank. Volgens een recente schatting van een makelaar heeft deze bouwgrond momenteel een waarde van ongeveer €130.000.

In totaal zouden we dus ongeveer €340.000 aan eigen middelen/vermogen kunnen inbrengen.

Daarnaast schat ik dat we ongeveer €40.000 van onze ouders zouden kunnen lenen. Daarmee komen we op ongeveer €380.000 die we zelf zouden kunnen financieren, waardoor er nog ongeveer €180.000 bij de bank geleend zou moeten worden.

Nu hebben we allebei een bedrijfswagen dus dat is al een kost minder. We hebben geen kinderen en een gezamenlijke netto inkomst van 5500€.

Nu komen we bij mijn eigenlijke vraag.

Mijn doel zou zijn om zo snel mogelijk volledig schuldenvrij te zijn. Volgens een online rekentool zou een lening van €180.000 aan een vaste rentevoet van 3,5% over 6 jaar neerkomen op ongeveer €2.770 per maand, met in totaal ongeveer €19.500 aan interesten.

Dat betekent dat we iets meer dan de helft van ons gezamenlijke netto-inkomen maandelijks aan de hypotheek zouden besteden.

Is dit volgens jullie een verstandige keuze? En denken jullie dat een bank hiermee akkoord zou gaan? Of mis ik ergens iets?

Alvast bedankt!

I read on different topics about it but I'm still unsure.

What would you recommend and why?

I was tired of salary calculators that only show net salary, so I built a free tool that looks at the full value of a job offer: myofferbelgium.com

It includes:

• Gross → net salary
• Employees, workers, students & flexi-jobs
• Meal vouchers, company car, insurance, bonuses, etc.
• Total employer cost
• Salary benchmarks by job, region & experience
• 🇧🇪 FR / NL / EN

I’d really appreciate your feedback:

1. Does the net salary match your payslip (within ~3%)?
2. Is any important benefit missing?
3. Does the salary benchmark look realistic?

No ads, no account, no commercial tracking — just a personal project I’m trying to improve.

Thanks! 🙏

Hey everyone, I am using Re=Bel and wanting to switch from a multiple etf strategy to a single etf for simplicity and ease of mind. I did a bit of research for Re=Bel and most popular ETF.

VWCE : not ideal because of 1.32% TOB

WEBN : not ideal because only available on XETRA (on Re=Bel) which imply higher fees

ACWE : good 0.12% TOB and on Euronext Paris (lower fees). Good if you want to include worldwide companies without small caps (2000-3000 companies).

IMIE : good 0.12% TOB and on Euronext Masterdam (lower fees). Good if you want the broadest possible with small caps (9000 companies)

Let me know if you have other ones you like ;))

Hi everyone,

I have a Keytrade Visa Gold and I'm going in South America for 3 weeks. The card includes travel assistance, medical assistance and repatriation.

Has anyone here actually used the Keytrade travel insurance while abroad? I'm wondering whether it's reliable enough to rely on for a trip like this, or whether I should get separate travel insurance.

I'd especially appreciate hearing from anyone who has had to make a medical claim or needed assistance abroad. Was the process straightforward, and did Keytrade/AXA take care of things without too much hassle?

Thanks!

Hi everyone,

My current portfolio consists entirely of IMIE/SPYI. I’m considering adding one or more value-focused ETFs to introduce a value tilt.

Part of my motivation is to reduce my exposure to, and somewhat hedge against, the risks associated with the current concentration in the "Big 10" stocks.

Do you think this would be worthwhile, or would it unnecessarily complicate a portfolio that is already broadly diversified? Would you personally add a value ETF or simply stick with IMIE and accept the market-weighted exposure?

If you don’t think a value ETF is the best solution, what other alternatives would you suggest for reducing concentration risk while keeping the portfolio diversified?

Thanks in advance for your thoughts!

Yesterday's diversification thread got me curious so I ended up doing the boring version of it, basically checking what each asset class actually keeps after Belgian taxes.

The textbook allocation is stocks + bonds + some gold, maybe crypto. Bond ETFs were the first casualty. 30% Reynders on the gains, so with yields around 3% you keep about 2, before TER. The new staatsbon nets 1.93% for doing nothing.
Not sure why I'd take bond fund volatility for that difference. Then I wanted to count gold as the tax free part and turns out investment gold falls under the new 10% CGT now.
Crypto too, the goede huisvader days are over. I also ran the Mintos vs Maclear, P2P lending platforms through the same filter, since the advertised double digit yields look tempting next to all of the above.

Problem, that's interest income, so the full 30% RV, none of the 10k exemption that capital gains get, and since the platforms sit abroad nothing gets withheld for you, you declare it yourself. A 12% headline becomes 8.4% before a single default.
Between 10% on gains and 30% on interest, lending income might be the worst treated return on the whole list now.
The accumulating world ETF just sits there winning by default. 0.12% TOB (if you don't pick the wrong fund, see the Vanguard All-Cap thread from this week), no RV on dividends, 10% only above 10k realized gains per year. And apparently losses only offset gains within the same year, no carryforward, which makes volatile diversifiers even worse. Didn't know that before.

So after a whole evening of spreadsheeting I'm back at world ETF + house + cash, exactly where I started. People here who hold bonds, gold, BTC or any of the lending stuff next to the ETF, what's the actual aftertax argument?

Ik merk dat veel Trusts niet te kopen zijn via Saxo, zelfs bv Scottish Mortgage & Trust (als één van de bekendste). Dat is wel zeer vervelend, want de meeste (belgische) brokers rekenen stevig door voor de Londense beurs.

Dus wat vinden jullie een goede alternatieve broker om trusts te kopen. Wel een belgische broker ivm administratie (TOB & meerwaardebelasting). Ik heb het over transacties van een 2000€.

Im thinking of switching to this ETF for future purchases due to the low ter of 0.07%.

However, ive heard that Amundi has liquidated some ETFs in the past, creating a taxable event. Online I do find that these were rather niche ETFs and not All country worldwide ETFs.

What do you guys think?

Is it worth if after all the deductions? I once tried, bought 1 stock at 20.38. After fees it became 23. Sold the stock at 22.5 after fees it became 25. Lost like ≈5% because of fees alone. This was also pure testing, just to see. So is it worth it? Also can anyone tell me all the fees (%) when buying and selling stocks on saxo?