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

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.

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

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?

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.