The pension savings dilema Written by David Liegeois Event: On September 11, we held a live event with a presentation and discussion on the simulation model, its results and the implications for individual investors in Belgium. You can find the recording just above this text. Simulation model: You can download or make a copy of the simulation […]
How to declare your foreign broker account at the National Bank of Belgium (NBB) – Including example for Degiro
If you have a foreign account, either as the sole account holder or as a joint account holder, it is necessary for you to notify the CPC – Central Point of Contact for accounts and financial contracts (“PCC – Point de contact central” in french, “CAP – Centraal Aanspreekpunt” in dutch) at the National Bank […]
How to declare foreign accounts in your Personal Tax return
When you hold a foreign broker account, you must include it each year in your (Belgian) personal income tax return. (Not declaring foreign accounts could lead to fines or tax increases) When you have at least 1 foreign account you have to check the checkbox for code 1075-89, which you can find in Box XIII […]
The 5 things that helped me reach financial independence at 33
I am so blessed with having been able to reach financial independence at 33. Since then, for the past five years, I’ve been able to enjoy life in an almost unimaginable way with my wife and my two kids. But what made that possible? What did I have that enabled me to build financial freedom […]
How to pick your broker? (investing from Belgium in 2023)
I know an investor who had to pay 70,000 euros in penalty fees because he was investing with the wrong broker. And his portfolio was worth less than 50,000 euros. The broker you pick is a crucial part of your investment strategy. Getting the wrong broker could be very costly. Here are the 4 most […]
I get asked a lot how I managed to reach FI at 33 years old
Recently, someone I respect a lot, asked me on LinkedIn: “How on earth did you retire at 33??” I know it sounds crazy and I know it shocks people. But it’s true… and the crazy part is that I didn’t do anything extraordinary or insane. No lottery, no lucky stock or crypto picks, no forex […]
How to invest during bear markets?
This is an extremely important question for any index investor, and any investor in general of course. And this is a very relevant question today because the stock market is down 20% in the US and about 10% globally today compared to the beginning of the year. Following COVID and now with the war in […]
How to start with Financial Independence?
Alright, if you’re reading this, it means you’re ready to get started! That’s amazing news! But how do you get started on the path to financial independence? When we’re just getting started, it can all feel a bit overwhelming. How do you get there? What do you need to do? In this article you will […]
The top 5 benefits of pursuing financial freedom
Financial independence is something that we build over time, it’s a journey as much as it is a destination. We don’t need to wait until we get to the end of it to benefit from its power. In fact, pursuing financial freedom brings benefits almost as soon as we start! Here are the benefits that […]
What is financial independence?
What is financial independence? Ok, so if you’re here it’s probably because you’ve heard of the concept of financial independence. In the news media, it’s often described as something like this: “You’re so rich you don’t need to work for the rest of your life” Well, while there is some truth to that, we also […]