The FIRE Belgium Show

FIRE Belgium
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Money is one of the greatest tools we have to build a life we love. Whether you're seeking financial freedom or security, or simply want to have more peace of mind when it comes to money, learning how to use it wisely is essential. In this show you will to learn how to take control of your finances, start investing and put your money to work to serve you and others more effectively. You will learn from world-class personal finance experts as well as from Sebastien’s experience in reaching financial independence at 33 and helping thousands of other make progress on their journey.

  1. ٦ أكتوبر

    New tax on capital gains in Belgium: how will it work? With Pieter van der Velden [029]

    On the 1st of January, a new tax will impact all investors in Belgium. But how does it work? What do we know about this tax right now? This is what we cover in this masterclass presentation with Pieter van der Velden, author of the white paper on this topic for Vermorgensgids. From what we know of the tax right now, it looks like we will all need to learn to deal with it even if we invest with Belgian brokers. Which is why this episode of the FIRE Belgium Show is so important. In this presentation, we cover: 1. Who will be subject to the new capital gains tax (CGT)? 2. What will be taxed?  - the 4 categories of assets subject to CGT  - the assets that are exempt 3. When will a taxable event be triggered?  - what happens in case of gift or inheritance?  - what happens if you move abroad? 4. How much CGT will I need to pay?  - impact on historical gains (or losses)  - what about transaction costs? and foreign currencies?  - how does the FIFO principle work in practice? What are the exceptions?  - how does the 10k exemption work in practice? And what about the 1k annual increments? 5. Practically, what does this mean for index investors? If you’re an index investor, or you’re curious about this new tax, then this episode is for you. If you’d like to work with Pieter directly, you can book a call with him here: Select a Date & Time - Calendly (and tell him you're coming from FIRE Belgium :-)) And if you’re new to index investing, then I recommend you watch the free interactive workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

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  2. ٢١ يوليو

    How to Invest in ETFs in Belgium in 2025 (full guide) [028]

    Most Belgians are leaving thousands of euros on the table every single year.  Why?  Because they’re still stuck in savings accounts or paying high fees on underperforming bank funds.  In this episode, I’m showing you how to take control of your financial future by investing in global low-cost index ETFs, in a simple and effective way. It’s simple because all you really need is a couple of well selected index funds, and then you invest in them each month in just a few clicks, without the stress and work that trading and stock picking requires. It’s effective, because it’s based on decades of academic research that proves that this approach provides better returns than actively managed funds sold by banks, while costing less in fees and taxes. In fact, investing effectively is much simpler than what the industry wants you to believe. And this is the approach I have used to build my 1 million € portfolio and reach financial independence at 33. Which is why I am sharing the full process of how to invest in ETFs in Belgium in this episode/guide. I also include a concrete example of a popular optimized portfolio for illustration. That way you have everything you need to get started with index investing with just this episode. Here is what we cover: 00:00 Intro 01:27 Table of Content 02:03 What is an ETF 03:13 Why invest in ETFs (for investors in Belgium): 4 reasons 03:41 Index ETFs perform better than active strategies 04:53 Index ETFs are generally much cheaper 05:41 Index ETFs can be very tax efficient in Belgium 07:15 Index investing can be done in less than 1 minute per month 07:49 How to select an ETF 09:39 How to buy an ETF in Belgium 10:54 How much should I invest in ETFs 12:47 How often should I invest in ETFs 14:54 How to build your portfolio 18:33 Practical example of investing in a simple and effective ETF portfolio, optimized for Belgium 21:15 How to Build Wealth on Autopilot 22:30 How to get started faster and without the beginner’s mistake Don’t miss it! --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

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  3. ٤ يوليو

    How to optimize your pension as self-employed in Belgium? - with Karel Van den Eynde, Public Affairs Manager at Liantis [027]

    How to optimize your pension as self-employed in Belgium? In this session from Money Week 2025, I speak with Karel Van den Eynde, Public Affairs Manager at Liantis. He specializes in advising entrepreneurs on optimizing their pension strategies, including government schemes and additional pension options such as the VAPZ/PLCI, POZ/CPTI and IPT/EIP.  We dive deep into these pension products, breaking down the rules and constraints for each of them.  We also discuss the optimal way to use the pension products, comparing their fiscal advantages, but also discussing their expected returns.  And this is something important for me. Most tax and pension specialists in Belgium will advise products based on their fiscal advantages.  But I think they’re wrong. Instead of looking at the tax deductions, we should compare our options for building our pension based on the expected returns, net of taxes. Because in the end, what matters is that we optimize how hard our savings are working for us, not how little taxes we’re paying. --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

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  4. ٢٠ يونيو

    Everything you need to know about Pillar 2 Pension Funds in Belgium - with Ann Verlinden, CEO of PensioPlus [026]

    Do you know where your pension money is going? It’s your money, you should know! In this episode, I speak to Ann Verlinden, CEO of PensioPlus, the Belgian Association of Pension Institution. It’s a recording from Belgium Money Week 2025. This was a fascinating conversation, where I learned a ton! In this episode, you will learn about pension funds, what they are and how they work. How they are very different from life insurance products and how well they’ve performed in the past few decades. I asked Ann about the cost of pension funds, their performance and whether or not it’s possible to have index funds in them. And I was in fact quite surprised by her responses! We also talk about what you can do to make sure you get the best pension products through your employer. So if you’re interested in optimizing your pension income, this is a great episode, which complements really well the other replays from Belgium Money Week 2025. --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

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  5. ١٣ يونيو

    How BAD are Belgian Pensions, compared to other EU pensions? - with Sébastien Commain, BETTER Finance [025]

    Will you afford to retire?  How good (bad?) is the Belgian Pension System, compared to other systems in Europe? This is the second talk of Belgium Money Week 2025, where I interview Sébastien Commain, co-author of the report  “Will You Afford to Retire". Every year, BETTER Finance, The European Federation of Investors and Financial Services Users publishes the report "Will You Afford to Retire". It’s  a detailed analysis of private retirement savings plans in the various EU Member States including Belgium. The report highlights the charges, taxation, returns and other key parameters of pension savings to determine whether (or not) they are really helping to achieve pension adequacy for individual, citizen contributors.  The report stands out as the sole publication that calculates real net returns, and tackles the question of purchasing power for retirees. In this talk you will learn about the challenges faced by our system, with a special focus on pension products of Pillars 2 and 3. You will learn about their net returns and why they are so low. You will also learn about one striking example of a pension product in Europe that delivers very high returns and completely dwarfs the performance of all other examples in Europe. And finally, you will learn about what you as an individual saver and investor can do to invest better and better prepare for your pension. --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

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  6. ٦ يونيو

    What is wrong with the Belgian pension system? Is it broken? - with Pierre Devolder, Emeritus Professor UCL [024]

    What is wrong with the Belgian pension system? Is it broken? With rising life-expectancy, shrinking working force, budget deficit and erosion of trust in the pension system, it’s time to raise the alarm. This is what we do in this episode with Pierre Devolder.  Pierre is an emeritus professor of mathematical finance and actuarial science at the Catholic University of Louvain (UCL). He has published 6 books and a lot of papers in various academic journals on pensions. He was member of the official Belgian “Conseil Académique des Pensions”. In this episode, which is a recording of the first talk of Belgium Money Week 2025, Pierre explains in plain language the pension system and demystifies its challenges.  We cover the 3 main obstacles faced by Pillar 1 of our pension system and for each of them he provides practical solutions.  Pierre also explains what the current government is doing, how it’s going in the right direction but also why it will not be enough. At the end, you’ll also hear Pierre’s opinion of my pension investing approach, including its drawbacks. If you’re worried about your pension (as most people should be), or simply curious about its challenges and how to fix them, then his episode is for you. --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

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  7. ٢٩ مايو

    Best Brokers in Belgium 2025 [023]

    What are the best brokers for investors in Belgium? Which ones are the cheapest? Which ones are the safest? Which ones handle all Belgian taxes? Which ones are the easiest to use? In this episode, we analyse and compare the 12 main brokers used by investors in Belgium, so that you can pick the best one. We cover the following brokers: Bolero, Degiro, Keytrade, Saxo, Re=Bel, Mexem, MeDirect, ING Self Invest, Lynx, Trade Republic, Bux and Interactive Brokers. Over the past 13 years investing in the stock market, I’ve changed brokers several times. And because I have a portfolio of index funds of over 1 million euros, it’s important for me to pick the best one. I have also helped thousands of investors (from very beginners to advanced) select their brokers. To do so, I’ve developed a comprehensive research and comparison framework, which we explain in this episode. For this 2025 version, Toon and I have spent 3 months reviewing all brokers information, emailing them and calling them to fill the gaps.  It’s a ton of work. Huge thanks to Toon for doing the heavy lifting for this 2025 update. The FIRE Belgium Broker Comparison Table used to be for the participants of the Index Investing Online Course only, but I’m making it available for free so that everyone can benefit from the research. I also hope this will help brokers improve their services over time. If you find this helpful, please subscribe, hit the like button and share the episode (or this email) with a friend. They’ll thank you later. To get the full value of this episode, make sure to download the full FIRE Belgium Broker Comparison Table for free on the FIRE Belgium website: http://firebelgium.com/brokers  What’s next? Brokers are an important part of index investing. But it's only one part of the system you need to setup. You also need to understand taxes, pick the right ETFs, determine your asset allocation  build your personal investment plan, and then figure out all the practical stuff. It can feel overwhelming. And to help you I invite you to watch the Free Workshop on the FIRE Belgium website:  How to Build Wealth on Autopilot: Evidence-based Investing, optimized for Belgian taxes. In the workshop you will learn: How to invest to get better results than banks and professional fund managers – while doing 0.1% of the work and paying 10 times less. Proven by 50 years of academic research. How to minimize Belgian investment taxes and optimize returns How to invest well with 100 euros (you don’t need much to get started!) in less than 5 minutes a month How to get started with index investing in Belgium in just a few weeks – my practical roadmap to learn everything you need to know and start investing with confidence. Watch the workshop on demand at http://firebelgium.com/investingworkshop  And if you want quick responses to your questions, Toon (who is the special guest on this episode) and myself are also available for 1-on-1 consultation calls. You will find those details on http://firebelgium.com/1on1  --- Learn about Financial Independence in Belgium: https://firebelgium.com

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  8. ٠٩‏/٠٧‏/٢٠٢٤

    How to level up at work and earn more? [022]

    How to level up at work? Do you feel like you’re not fully using your potential at work? Or that you are not recognized and rewarded for the work you do? Have you ever wondered how to fast-track your career, climb the professional ladder, and earn more? Wherever you are in your career, there are ways for you to level up at work. This is what we discuss in this episode with Judith Escalier. Judith is a Certified Executive Coach and Leadership Training Coach at Creciendo. She has coached hundreds of people in Belgium across all levels, and provides training for professionals in many industries, including Fortune 500 companies. She specializes in helping people perform better in all areas of their life, unleash their full potential, and reach their personal and professional goals. Here are the key topics we discuss in this episode: What are the keys to leveling up at work and make more money What are the 6 ways for you to create more value for yourself and your employer How can you enhance your executive presence and leadership skills How important are gravitas, communication and body language? How mindset can help you overcome barriers and position yourself for success? Why is adopting T-shape skills crucial for career growth and creating a unique value proposition? Judith provides so much value in the episode! I wish I knew about all this at the beginning of my career. At the end we take questions from the audience and Judith’s responses are so helpful! How to work with Judith: https://creciendo.be/ Connect with Judith on LinkedIn. https://www.linkedin.com/in/judithescalier Connect with Sébastien on LinkedIn: https://www.linkedin.com/in/sebastienaguilar/ --- ►► Free Workshop on Index Investing for Beginners in Belgium: create passive income from the stock market, without paying high fees to banks or advisors, taking unnecessary risks or spending all day analyzing the markets. Free Workshop → https://firebelgium.com/investingworkshop --- Download the FIRE Belgium Beginner's Guide to Index Investing: https://bit.ly/FIREBGuide Learn about Financial Independence in Belgium: https://firebelgium.com Subscribe to the newsletter: https://firebelgium.com/#Subscribe Join the community: https://www.facebook.com/groups/FIREBelgium

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مشاهدة الكل (٢٩)

حول

Money is one of the greatest tools we have to build a life we love. Whether you're seeking financial freedom or security, or simply want to have more peace of mind when it comes to money, learning how to use it wisely is essential. In this show you will to learn how to take control of your finances, start investing and put your money to work to serve you and others more effectively. You will learn from world-class personal finance experts as well as from Sebastien’s experience in reaching financial independence at 33 and helping thousands of other make progress on their journey.

المعلومات

  • صناع العمل
    FIRE Belgium
  • سنوات النشاط
    ٢٠٢٢ - ٢٠٢٥
  • الحلقات
    ٢٩
  • التقييم
    ملائم
  • حقوق النشر
    © FIRE Belgium
  • موقع البرنامج على الويب
    The FIRE Belgium Show

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