Goedeavond,

Ik spaar maandelijks een klein bedrag van 25€ voor mijn petekindje als cadeau als ze 21 jaar wordt.

Ik heb ondertussen een bedrag van +-1800€. Momenteel staat dit in een Tak-23 rekening van Argenta, waarvoor zij maandelijks veel te veel kosten aanrekenen.

Welke ETF’s zouden jullie hiervoor aanraden? Liefst ook Europees gezien mijn anti-Amerikaans sentiment de laatste tijd.

Hi everyone,

I’m currently with Saxo and invest €500 every month in an ETF. I don’t use the auto-invest option because I sometimes prefer to buy only when the market opens negatively.

Lately I’ve been having some issues: the instant transfer doesn’t work and always gives an error message. This means I have to use a regular bank transfer instead, which works but can take a long time. I’ve been in contact with customer service for weeks now, going back and forth, but still no solution.

I’m a customer at Belfius myself, so why not switch to Rebel? The costs seem roughly the same to me, and it would be more convenient since I already have all my finances with that bank. It might even help if I want to take out a mortgage later (though I’m not sure whether a bank takes that into account).

Does anyone have any advice, or would you advise against it?

Hello, I'm 23 and just graduated. I live with my parents and have around 7000eu in savings.

I will soon start a job where I will be paid about 2650eu net/month but as I will still live with my parents, I will be able to save this money aggressively (I'm thinking about 2000eu a month, probably more as I won't pay for rent nor food most of the time, but I prefer to keep a margin).

My question is when should I start investing and how much should I keep in savings?

I will probably live with my parents for another 2 years and then rent a room in a cheap apartment with roommates. My goal is to buy my own apartment (aiming for a 200-250k property) in Brussels in 4-5 years (for personal reasons, I won't be able to buy before that with the job I will have) so I'm wondering if it's really interesting to invest now even if I will need a substantial amount of this money in 4-5 years? Or will I likely have the possibility to invest on one side and save enough for a mortgage on the other side?

I don't really have any financial education (other than some Youtube channels I follow), so I'm a bit lost.

I was also thinking of discussing this with a financial advisor at my bank but I feel like their job is just trying to sell me products and I don't like that but I don't really know who to contact otherwise.

Copy Trading is a big trend in US with multiple brokers who allow you to directly follow other leading brokerage firms / investors and let's you automatically copy their trade into your brokerage account executed proportionally to the revenue distribution of investment.

So if a lead trader is making $ 1M investment over 5 trades and you have only $1000, it adjusts accordingly on 5 trades of $1000.

What are the legal guardrails / constraints in Belgium/ EU for such trading. This is obviously Speculative trading so I am not looking for tax implications... Just the legality of this whole thing.

De strijd om de spaarder is opnieuw losgebarsten, zo bleek vorige week al toen verschillende banken en verzekeraars hun termijnrente verhoogden als antwoord op de Staatsbon.

BNP Paribas Fortis, marktleider op de spaarmarkt, verhoogt nu de rente op zijn Boost Spaarrekening. Dat is een rekening waarbij klanten maandelijks tot 500 euro kunnen bijsparen.

De basisrente wordt vanaf 1 september verhoogd van 1,40 procent tot 1,75 procent. De getrouwheidspremie blijft op 1,50 procent staan.

https://www.nieuwsblad.be/economie/bedrijven/strijd-om-spaarder-opnieuw-losgebarsten-bnp-paribas-fortis-verhoogt-rente-op-maandelijks-sparen/160791650.html

Edit : I have read my contract, i have Free deferral of up to 3 monthly repayments

Hello everyone, I’m not sure if this is the most appropriate place to ask my question, but I hope someone can help me.

I took out a mortgage for my house about a year ago, but I have recently lost my job and I’m currently only receiving unemployment benefits.

Am I legally allowed to ask my bank to temporarily reduce or suspend my mortgage payments while I get back on my feet? If so, for how long?

Would this increase the overall cost or interest rate of my mortgage, or would the missed payments simply be deferred to a later date?

I do have some emergency savings set aside, but I feel it would be better to keep that money available in case other problems arise.

Thx

This experts hints at it being quite difficult not to be considered as a speculative investor.

I imagine for example that many on this Reddit sub have a significant amount of their wealth invested on the stock exchange.

‘Zorgt de fiscus bewust voor onzekerheid over de meerwaardetaks?’ Anton Van Zantbeek Partner bij Rivus Advocaten 12:53 Bijgewerkt: 13:07 2 min leestijd

Vooral doe-het-zelfbeleggers zijn de dupe. Willen zij succesvol uit het vizier van de fiscus blijven, dan zullen ze heel strikt binnen de lijntjes moeten kleuren.

De nieuwe meerwaardebelasting beroert beleggers. De belasting lijkt nochtans eenvoudig. 10 procent belasting op gerealiseerde meerwaarden op aandelen, obligaties, bitcoins, enzovoort. De belastbare meerwaarde is het verschil tussen de verkoop- en de aankoopprijs. Voor beleggingen van voor 2026 wordt gedaan alsof men ze kocht op 31 december 2025. Dat is het zogenaamde ‘fotomoment’. Tot slot krijgt iedereen een jaarlijkse vrijstelling op de eerste 10.000 euro meerwaarde, wat neerkomt op 1.000 euro.

Heel eenvoudig dus. Althans zo dacht de politiek erover. Die naïeve illusie heeft niet lang geduurd. Onmiddellijk bij het bekendmaken werd duidelijk dat de doos van Pandora was geopend. Breed maatschappelijk kwam veel commentaar. Maar de politiek bleef doofstom. Op 21 april 2026 werd de meerwaardebelasting ingevoerd, retroactief naar 1 januari 2026.

Sedertdien is de chaos compleet. De recent gepubliceerde circulaire van 22 juli 2026 moet de onzekerheid wegnemen. Maar daarin slaagt de fiscus niet. De meer dan zeventig pagina’s uitleg maken alleen duidelijk dat het complex was, complex is en complex blijft.

Nochtans had de circulaire bepaalde grote onzekerheden eenvoudig kunnen wegnemen. Denk bijvoorbeeld aan de vraag wanneer beleggen speculatie wordt. Die vraag houdt tienduizenden beleggers bezig. Maar de circulaire besteedt er slechts een halve pagina aan. Die beperkte uitleg betreft bovendien niet de klassieke belegger. Neen, de circulaire focust op cryptobeleggers. Lees ook – Wat houdt de meerwaardebelasting in voor beleggers, ondernemers én werknemers?

Wanneer een belegger ‘fiscaal’ een speculant wordt, is fiscaal belangrijk. Bij speculatie is het tarief 33 procent (vermeerderd met de aanvullende gemeentebelasting), is er geen ‘fotomoment’ en geen vrijstelling. Voor de gewone belegger geldt een tarief van 10 procent, een fotomoment en een vrijstelling van 10.000 euro. Dag en nacht verschil dus.

De belegger moet die fiscale onzekerheid zelf managen door een bewuste keuze te maken. De minste onzekerheid heeft de belegger die belegt in één of enkele kapitaliserende beveks of trackers (ETF’s of exchange traded funds) en die lang aanhoudt. Ook indien je het beleggen overlaat aan een professionele beheerder, lijkt het risico op speculatie beperkter. In de feiten zal ook een belegger die alle meerwaarden aan de bron laat belasten (opt-in) minder risico lopen. Maar die betaalt dan sowieso te veel belasting. Minderwaarden en de vrijstelling worden immers niet in rekening gebracht.

Vooral doe-het-zelfbeleggers zijn de dupe. Willen zij succesvol uit het vizier van de fiscus blijven, dan zullen ze heel strikt binnen de lijntjes moeten kleuren. Belangrijke overwegingen zijn dat men slechts met een beperkt deel van het financieel gezinsvermogen mag beleggen, er nooit geleend mag worden om te beleggen, er een buy-and-holdstrategie wordt gevolgd, het aantal transacties het best wordt beperkt en complexe financiële producten beter mijdt.

En zo is de recente circulaire een gemiste kans om klassieke goedehuisvaderbeleggers fiscaal uit de wind te zetten. Dat is niet gebeurd. Sommigen zeggen dat dit bewust niet is gebeurd. Onzekerheid levert immers meer belasting op. Maar zou de fiscus zo cynisch zijn? Wie zal het zeggen.

De auteur is partner bij Rivus Advocaten en gastdocent aan de Fiscale Hogeschool

Hi everyone, first time posting here. I’m a 3rd-year Business Engineering (Handelsingenieur) student. I know a lot about finance and a firm believer in low-cost, broad-market index investing.

Due to my long investment horizon and higher risk tolerance (higher than all world etf), i have been researching the lifecycle investing framework. (young investors with lots of future human capital are under allocated to equities in the beginning of their life, thus advocating for using 1.5-2x leverage in the beginning)

I am planning to invest 50k with 1.5x leverage using futures on a global index and i want to get some feedback from everyone in this subreddit.

I have researched achieving this leverage using margin, options (leaps) and futures. Futures seems to be the best option due to the institutional interest rate being easily 1.5% lower than using margin with a retail broker. (and also no 0.12% tob)

I will keep uninvested cash in funds like CSH2 or xeon and rebalance my leverage each roll over period when it has deviated significantly from 1.5x (1.35-1.65x for example)

I have searched for backtests and strategies similar to mine outperform the unleveraged scenario 90%+ of the time in 20 year periods.

Also because the futures contract gains are realised each year this plays to my advantage because each year i can use (part of) my 10k capital gains tax exemption, avoiding massive single tax when i sell it to buy a house for example (at that time the cap gain tax rate is prob higher than 10%). I think i can not deduct capital losses under the current belgian tax rules, which is a negative but does not outweigh the positive.

If there are people that have done these or have researched this i would love to hear your input on my strategy. I am fully aware that leverage carries risk, but since my personal risk tolerance is higher than that of the global index. I think this is the most optimal way to capture the return on that risk especially compared to buying more risky stocks.

I also hope this strat is considered "goede huisvader" investing, if anyone has any experience with this i would love to hear it!

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1149340

edit: i will be doing this with IBKR

edit2: to clarify, i made this post to explore how investors with a higher risk tolerance can best scale expected returns in Belgium. I want to move up the capital allocation line, scaling compensated systematic risk (market beta). I am not interested in the common approach of taking on uncompensated idiosyncratic risk by picking stocks etc.

edit3: i have also become more interested in a slight factor tilt, and also buying just etf's for the 1x and only futures for the extra 0.5x leverage instead of doing only futures to get the 1.5x leverage. If anyone knows more about this or has any experience, i would love to hear it!

I am a 21 year old student currently doing my Masters. However, I fnd myself in a position where every month, I am left with 3/400 euros with which I have no current ‘use’ for (i.e. expenses already covered). I’d like to get into FIRE, but I honestly have no idea how it works, where to invest (I currently use neobanks). I am just looking to get A) educated and B) started on my FIRE. Where can I find a good ‘tutorial’ to get the process started?

Thank you, and have a good day

Edit: Typo

Say I have the following situation for an ETF X I own:

- 100 shares on Broker A since 31st Dec 2025

- 50 shares on Broker B, bought over multiple months during 2026

I want to sell the minimum number of shares to reach 10k € of capital gains exemption in 2026: does it matter from which broker I sell?

In other words, how do FIFO principle apply in this case?

Hi everyone, this is my first post on Reddit, so please be gentle with me! 😅

I'm 27 years old, and over the past two years I've gradually built up a portfolio of around €20k. It is currently invested as follows:

• 75% VWCE
• 5% IWDA — probably my first mistake in the investment world. At the time, I thought that diversifying between VWCE (Vanguard) and IWDA (BlackRock) would give me some additional diversification.
• 6% CSNDX
• 14% cash, which I’m planning to invest

My investment horizon is long term (10+ years).

Regarding the remaining 14% (around €2.5k), I was thinking of investing part of it — perhaps €1k — in IWDA, mainly because of the lower fees compared with VWCE, especially considering that I also have to pay the Belgian TOB (transaction tax), and the remaining amount in CSNDX.

I know that both VWCE and IWDA already have more than 60% exposure to the US, but I would still like to have a small additional allocation toward large technology companies, mainly in the US. I would also be open to considering European tech companies or ETFs if that makes more sense.

What am I missing here?

What are the main downsides or risks of this portfolio allocation that I might not be considering?

Would it make sense to invest the remaining 14% mostly in VWCE, or would adding more IWDA and CSNDX make more sense?

And, given that this is a long-term portfolio, would it make sense to allocate a very small portion to individual stocks (for example, a few carefully selected companies), or would that just add unnecessary risk and complexity given the exposure I already have through the ETFs?

I'm particularly interested in hearing how you would invest the remaining 14% and whether you would keep the portfolio as simple as possible or add a small "satellite" allocation to individual stocks.

Thanks in advance for any advice!

I am at the point where I have to take a loan from a bank to afford the house I am planning to build. At the moment the rates I get trough simulation are around 4%. I am planning on taking a loan for 300k. I was wondering what the smartest move would be to save as much as possible. Take the loan on 15, 20 or 25 years.

The costs wil be as following:

25y - 1571/mo - 171k total interest

20y - 1806/mo - 133k total interest

15y - 2208/mo - 97k total interest

So with the loan on 25y I have 630/mo to invest in ETF's, but the interests are a lot higher. I was wondering what the best choice would be.

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?