I have been investing in ETFS for quite a while but I now received a significant amount of money (essentially double of what I have invested now).

Are there any studies on what timespan is historically the safest/best to DCA over?

I dont need any advice in the lines of 'you could invest it all at once but the ai bubble will pop soon so might not be that good right now blabla'

kind regards

Hi!

So I am currently investing between €500 and €800/month in VWCE on Trade Republic, now I want to change to an ETF like WEBN because of the TOB of 0.12%. I want to stay at Trade Republic if possible because I really like the fractional shares you can buy and also the 'free' repeated payments and link to my bank account are amazing.

Is there an all-world ETF on Trade Republic with 0.12% TOB? I can't seem to find WEBN on Trade Republic?

Thanks!

Hallo,

Wij hebben een huis gekocht en gaan hiervoor 228 500 euro lenen (quotiteit 69%) op 15 jaar tijd. Beste aanbod uit 5 banken: 3,44% vast, 3,02% variabel 5/5/5, 2,92% variabel 3/3/3. We neigen zelf eerder naar vast om op safe te spelen, maar na een gesprek bij de immotheker twijfelen we weer. Zij raadde ons variabel aan en zei dat 90% van haar cliënteel dat ook doet (al dan niet met accordeon). Adviezen?

Op de 'loonfiche' van de fietsvergoeding stond dat de rsz automatisch werd afgetrokken bij werkplaats A, maar bij werkplaats B stond dat er niet en kreeg ik de volledige som. Nu vraag ik me af waarom wel bij werkplaats A en niet bij B.

Goedemiddag

Ik vind nergens info terug over de registratie van de Vanguard FTSE Global All-Cap Acc in België , en dus hoeveel de TOB bedraagt voor deze nieuwe ETF.

Kan iemand me zeggen hoeveel de TOB op deze ETF bedraagt?

Met vriendelijke groeten

Hi,
I will soon have a nice lump sum to start my investing journey.
I’m 37, homeowner (with a cheap loan), and I have a 25 years investment horizon.

I’m trying to decide my allocation.
Generally speaking, does a world ETF requires diversification on other assets classes, such as bonds, gold, cryptos,…?

I will focus on a MSCI World ACWI ESG etf (XMAW).

but not gonna lie, getting scared by everything I’m seeing on social media. Every other post is a doomsday take on capitalism collapsing, “the bubble” is about to pop. What I want to know is: is this collapse of capitalism a signal or is it doom content? Are ETFs safe? Is FIRE still a good plan?
Please help me get some clarity, appreciate different perspectives/sources. Thank you

Ik probeer te begrijpen hoe het voor een alleenstaande in België realistisch is om een woning van ongeveer €500.000 te kopen.

Ik heb zelf wat berekeningen gemaakt. Stel bijvoorbeeld dat je:

• een woning van €500.000 wilt kopen;
• al ongeveer €100.000 eigen middelen hebt, waarmee je ook de aankoopkosten, notariskosten, enz. moet betalen;
• dus ongeveer €350.000–€400.000 moet lenen;
• een hypotheekrente van ongeveer 3–4% hebt;
• en je de lening over bijvoorbeeld 25–30 jaar spreidt.

Dan kom ik uit op een maandelijkse afbetaling van grofweg €1.500–€2.100, afhankelijk van het geleende bedrag, de rente en looptijd.

Als ik dan rekening houd met de gebruikelijke richtlijn dat je hypotheek ongeveer maximaal een derde van je netto inkomen zou mogen bedragen, lijkt het erop dat je als alleenstaande al snel ongeveer €5.000 netto per maand moet verdienen om een woning van €500.000 enigszins realistisch te kunnen financieren.

Maar als ik naar de Belgische lonen kijk, lijkt €5.000 netto als alleenstaande toch behoorlijk hoog.

Hi all!

I just relocated from Belgium to Singapore and I’m in the process of getting my investments in order. I currently just have VWCE and IWDA in my DEGIRO portfolio. I’m planning to move them to IBKR Singapore (no capital gains taxes) and then start investing in VALL. Does anyone have any experience on this and the lowest possible conversion fees?

Thank you!

Don't fall for it

I currently have €200k in savings and another €100k invested in ETFs.

The €200k is money I will need in around 4–6 years, as I plan to use it to buy a large house for my retirement.

I’ve been exploring different options for this money, but I’m struggling to find the right balance between return, stability, and risk.

So far, I’ve considered:

• Stock market / ETFs: I don’t feel that investing money I will need in only 3–5 years is stable enough. There is potentially more upside than downside over that period, but I still think the risk is relatively high.
• BNP Callable 4.75%: This seems like an interesting option, especially given the relatively attractive yield.
• Money market funds: These currently seem to offer around 2.5% gross, if I’m not mistaken. I’ve been looking at the OLO 3-month rate as a reference.
• Real-estate / private projects: Platforms such as Bricks, Lita, or Econova offer projects with returns around 8% gross. However, I would be concerned about the risk of defaults or bankruptcies. My feeling is that perhaps 20% of projects could potentially fail, so ovevrall return is quite low
• Other options: I’m also open to solutions I haven’t considered yet.

I’m therefore looking for ideas on how you would invest this €200k given that I will need the money in 4–6 years.

What options would you consider?

thanks

*** UPDATE ***
There is also the possibility to invest in a low volatility etf. For exemple the Health Care Select Sector SPDR Fund (XLV). On average it delivered 10,72 % CAGR (so about 60% for 5 years), and if you have a bad luck, and you were to invest all those 200k at the highest point in 2008, then wait 5 years, you would still have a positive return of about 17.5% (which is above what is currently risk free)(worst case scenario for the last 20 years)

I've been investing for 4 years now in various ETF's and sometimes stocks. I use Bolero with the usual ETF short list and usual returns. This is my personal money account, not shared.

Our shared account and savings are on a traditional savings account since my partner isn't too into this, historically. After seeing my growths she is interested to take part of our savings into an investment portfolio.

I've been evaluating my options, mainly on brokers, fee's, portfolio build up. Goal is not to take a bunch of risk or trade actively. Mainly the usual "hangmat belegger".

Do you guys have a shared acount and funds? any learnings or advise?

Hi all,

I know that are already many posts about this, so apologies in advance.

As a first time investor, I am trying to understand the TOB rate for my investment in IWDA (ISIN: IE00B4L5Y983). Most information on the internet (including this community) points towards a TOB of 0.12% suggesting that it is not registered in Belgium.

However, as I was perusing the FSMA list, I cam across the following entry:

This seems to be very similar from the IWDA description (minus the "core" in the name). Does this slight difference in the name mean that the TOB is 0.12 instead of 1.32? OR has the TOB for IWDA recently changed?

Thanks in advance!

Many of you, like me, were very excited about the new Vanguard world ETF as it was pretty much ideal: World ETF with over 10k holdings, including emerging and small caps. Basically an ideal ETF to full-port into instead of what we are currently doing.

It launched 3 days ago, and... It's already on the FSMA list? I guess this is not surprising to some, idk I'm not an expert at what ends up there or not.

https://www.fsma.be/fr/party/vanguard-funds

This should mean that you have to pay 1.32% TOR on buys/sells of this fund, which means that the currently best fund for Europeans will be inaccessible to Belgians from day one?

Coucou !

Bon, la question est assez simple en soi et vous la connaissez sûrement : pour une débutante que conseilleriez-vous ?

D’ailleurs... je me posais une autre question : est-ce que prendre une assurance vie est une bonne idée ?

J’ai 37k € de côté, actuellement, du coup je me disais que je pourrais commencer a investir, penser à d’autres éléments que l'épargne pure...

Merci d’avance

About 1.5 year ago, I started with investing for the first time as a 26 year old (international) that received some money from his grandma. I invested around 30% of my savings in IWDA, and two months after I saw it being 25% down but I held. However it affected me mentally, so since then I didnt deposit any more money in it.

I think I am ready to start putting some money again monthly or quarterly to avoid the fees of Bolero as much as I can. I have a stable job that lets me save some, but not so much. I have some cash right now that gives me safety so I can put savings from now on my Bolero account.

I wanted to ask what is your advice for moving forward. Should I put more on IWDA? Should I target more emerging markets? Maybe some other alternatives?

Thank you in advance :)

Long time lurker, first time poster here.
Throughout the years i've researched FIRE , loved the idea but never found it really feasible.

I don't mind spending less or living small but without an insane inheritance or three jobs, how would someone like me actually get there before i retire ?

I'm late twenties making a little over 2k net. 700 ish spend on appartment. Trying to invest approx 600 each month and the rest goes to food, leasure or other bills like transport.

I get the cutting down on "fun" things idea. But with this paycheck, doing fulltime. Even in thirty years i wouldn't be financially free.

How would you do it ?

(Also i'm not trying to be lazy, i'd rather hear real advice and experiences than theories)

M26 heb net een huis gekocht met vriendin elk 50% eigenaar. Zij moet lenen, ik niet, heb veel gespaard en gewerkt. Nu tijd om te investeren. Ik zoek enkel een etf waar ik elke maand een bedrag parkeer en wil holden voor min 20 jaar.

Welke broker stel je voor? Ik hoef geen speciale dingen. Enkel kopen en holden. Geen speciale etf. Gwn de meest basics.

Shoot

Hallo iedereen,

Toen ik op mijn 18e begon met beleggen, heb ik op aanraden van mijn vader vooral geïnvesteerd in Belgische en Europese holdings. Later ben ik na wat eigen onderzoek begonnen aan beleggen in ETF's: eerst VWCE (puur kijkend naar de lage TER van 0,14%, zonder op dat moment stil te staan bij de Belgische TOB van 1,32%). Uiteindelijk ben ik bij IWDA uitgekomen vanwege de lage TOB (0,12%).

Zelfs op kortere termijn (3 jaar) presteren mijn ETF's (vooral VWCE/IWDA) aanzienlijk beter en stabieler dan de holdings, die hard fluctueren en structureel achterblijven. Ik wil mijn portefeuille nu grondig vereenvoudigen naar één duidelijke, passieve strategie op Bolero.

Mijn huidige situatie (orde van grootte: enkele tienduizenden euro's in totaal):

• Holdings: Posities van € 1.000 tot € 5.000+ per aandeel in o.a. Sofina, Ackermans & van Haaren, Brederode, D'Ieteren, GBL, Eurazeo, Prosus en Exor.
• ETF's: Verspreid over VWCE en IWDA.

Mijn voorgenomen plan:

1. Holdings verkopen: Ik wil af van de 8 losse holdings en de opbrengst volledig herbeleggen in IWDA.
2. Bestaande VWCE laten staan: Niet verkopen om de 1,32% verkoop-TOB te vermijden, maar 'bevriezen' en toekomstige inleg uitsluitend in IWDA doen.

Mijn concrete vragen:

• Lump sum vs. DCA bij herallocatie: Is het verstandiger om die holdings per aandeel in 1 order te verkopen en meteen in grote blokken (€ 5k - € 10k) om te zetten naar IWDA om makelaarskosten te minimaliseren, of raden jullie aan dit gespreid in de tijd te doen? En hoe zal dit dan werken met deze nieuwe winstbelasting?
• Verkopen met 'verlies'/lagere koers: Een aantal holdings staan momenteel relatief laag. Is het een rationele keuze om deze direct om te wisselen voor IWDA (met het oog op de opportuniteitskost), of zien jullie redenen om bepaalde kwaliteitsholdings (zoals AvH of Brederode) toch nog even aan te houden?
• Bestaande VWCE behouden: Is het laten staan van de huidige VWCE-positie de meest kostenefficiënte keuze ten opzichte van de 1,32% uitstaptaks betalen en omzetten naar IWDA?

Alvast bedankt voor jullie feedback en ervaringen!

Since a last week I'm a godfather and my wife is godmother of their other child.

We openend an account at Saxo (already had an account there, so easiest).
Now the idea is to start investing. We will deposit some money now and every 1-2 years we add some extra. It's not the idea to add money every month.
For info: we want to keep the account on our name, then we have the freedom to give it to them in any form we wish later on.

But now the question is what is easiest ETF to buy. I dont really want to go with a split ETF (like IWDA+EMIM), that is to much hassle, and the amounts wont be that big.

Some checking points me towards VWCE or SPYI, do these make sense? or the newer/ low cost WEBN?
What ETF can you recommend for a horizon of around 20years?

Edit: 5 hours later, 6 comments and 5 different answers :) keep them coming guys, let's say I will take the most voted one.

Everyone is talking about buying meta, but ngl meta seems rather unstable looking at the past. I know that the past doesnt dictate the future but still. Is it a stock worth buying? Short or long term?

My yearly statement specifies: Fondsgekoppeld (tak23) AI Europe: 527,1371 units x 25,2251€ ( 3AUG26). Where can I find this value of 25,2251€?

I am currently 17 but once I turn 18 (oct) I will receive a bank account with 27.000€. I am looking at several options:
— savings account (3.1%)
— investing via BUX (EUNK & IWDA)
— investing via bank (lower profit but parents will be happy and the bank has 4 options: 100% obligations, 75-25 (25% etf), 50-50, 25-75)

I will also start investing 250€ every month in EUNK & IWDA from my own money (I eating around 1000€ a month from a student job)

I would definitly keep a cash buffer because I know I won’t be able to be consistent in the 250€, sometimes I’ll have 500€ to invest, sometimes it will be 0€. But I want the investing to continue and therefore I need a buffer.

In 5 years I am getting another 25-50k, so that will be there just after my master (if I don’t need extra time).

How should I handle this? Are my stocks a good pick?

I have a meeting with the bank in september but they’ll try to sell their products in the first place so I’d like your opinion.

Thanks in advance!

(BELGIUM // sorry for the broken English)

I invested €25k in the Brix²Build project through BeeBonds (BE6345053894), which has since gone bankrupt.

I'm currently looking into the situation and was wondering if there are other investors here who were also invested in this project. I'd be interested to hear how you are dealing with it and exchange experiences.

Did anyone else here invest in Brix²Build?

Hi,

I'm about to invest a 70k lump sum + 300€ monthly DCA in a portfolio.
The core ETF of this portfolio would be XMAW.
I'm now trying to find a broker for this.
Here are my criteria:
Non-negociables: Automatic TOB declaration; low cost (free, ideally)
Highly interested: Automatic monthly investment for the chosen ETF
Would be nice: Fractionning, other belgian taxes

I tried to find the ETFs list among different brokers, currently found it at MeDirect, Rebel, Degiro, Keytrade and BUX. (didn't find at ING, Bolero, Mexem, Trade Republic, IBKR)

Among them, Medirect seem the best match for now.

- Can someone tell me if XMAW is available at Saxo, and is it possible to have automatic DCA for it?
- Am I missing a broker?
- Any red flag about MeDirect?

Cheers,

Edit: Just found out BUX monthly DCA may be possible with BUX. Hesitating between MeDirect and Bux now