Mortgage Prepayment vs Investing in Belgium (Compared)
Should you pay down your Belgian mortgage or invest the surplus? Interest deduction reform, current rates, and a decision framework.
Should you pay down your Belgian mortgage or invest the surplus? Interest deduction reform, current rates, and a decision framework.
Buying vs renting your primary residence in Belgium: the price-to-rent ratio, registration tax, and the opportunity cost of a Belgian mortgage.
Buying your first stock as a Belgian investor: choosing a broker, opening an account, understanding TOB, and avoiding the most common rookie mistakes.
Dividend Aristocrats for Belgian investors: US vs European choices, double withholding tax, and how this strategy compares to total-return ETFs.
Belgian real-estate crowdfunding (Beebonds, Bolero Crowdfunding, Look&Fin): yields, default rates, FSMA oversight and how it stacks up against REITs.
Mutual fund vs ETF for Belgian investors: total cost, distribution channels, tax treatment, and why most Belgian funds underperform a low-cost ETF.
What the BEL20 actually contains: 20 Belgian large caps, sector concentration, dividend yield, and why it should not be your whole portfolio.
Corporate vs government bonds for Belgian investors: yield premium, default risk, tax treatment, and how to access them through ETFs.
Currency risk for Belgian investors holding USD or GBP assets: when to hedge, hedged ETF share-classes, and the long-run impact on returns.
How inflation erodes Belgian savings: 1990-2026 CPI, real vs nominal returns, and which asset classes have actually beaten inflation.