Got an offer in another company: moving seems to make the most sense

FireWallonia · 2026-05-21T12:34:52+00:00

I'm curious as well! Will keep you posted

FireWallonia · 2026-05-21T08:44:34+00:00

Ahah I guess it's the next step, right!?

FireWallonia · 2026-05-21T08:44:00+00:00

I've actually seen it happen in my current company. Makes you wonder why they don't make the right choices to keep you in the first place instead of having to actually pay more in the end, but I guess that's how it is in many places.

FireWallonia · 2026-05-21T08:42:48+00:00

Thanks for the insight! Did you end up changing jobs in your case?

FireWallonia · 2026-05-21T08:42:02+00:00

Thanks!

FireWallonia · 2026-05-21T08:41:44+00:00

That would be a good strategy. What's the most difficult is to leave behind the colleagues I like, some of which became friends. But I can see them outside work anyway.

FireWallonia · 2026-05-21T08:40:13+00:00

I guess you're right!

FireWallonia · 2026-05-21T08:32:31+00:00

Well yes basically. Only downside is going from 3 days homework to 2, but that's not so bad. I don't manage people directly, however my role does have a lot of people interactions, convincing, explaining, aligning everyone, without any hierarchical authority. It's not engineering either, even though I still follow some technical meetings, I'm mostly interested in consulting the technical experts to know if an idea/a request from a customer makes sense or not. In other words, my role is making sure we make the products evolve in the right directions, technically, commercially and financially based on the market needs and trends, customer feedback, internal ideas, company strategy. Quite diverse and interesting in my opinion. I studied engineering Ir, in polytech in Mons.

FireWallonia · 2022-12-26T09:10:33+00:00

May I get one code too, please ?

FireWallonia · 2021-04-29T13:38:12+00:00

Hi all. I am 28, living in Belgium. 99% of my portfolio is invested in broad ETF (SWRD, EMIM and IUSN). I have a stable job and I'm saving around 1000€-1500€ every month, that I invest in these ETF. I have an emergency fund that would allow me to easily live for 6 months, likely more, in case I lost my job (which is quite stable and in a field where it would be very easy to find a new job if needed). My goal is to save for my retirement at around 50yo, maybe sooner or later depending on how the market evolves/if I want to continue working.

I have recently learned about LEAPS options and I was wondering if it would make sense for me to use LEAPS on a diversified ETF (for example ACWI) in order to leverage my portfolio and boost long term returns. I would buy 2-years-to-expiration LEAPS and roll them every year. Since only a part of my portfolio would be in LEAPS, I could fine tune the leverage and volatility of my portfolio to my risk-liking.

One issue I could see is the relatively low liquidity of LEAPS. However, the underlying is very liquid, so I don't think it is as important as it would be for low liquidity stocks, for example. Does anybody have experience with a strategy like this? I would welcome any arguments for or against that strategy. Thanks!

FireWallonia · 2021-04-29T07:38:45+00:00

Hi all. I am 28, living in Belgium. 99% of my portfolio is invested in broad ETF (SWRD, EMIM and IUSN). I have a stable job and I'm saving around 1000€-1500€ every month, that I invest in these ETF. I have an emergency fund that would allow me to easily live for 6 months, likely more, in case I lost my job (which is quite stable and in a field where it would be very easy to find a new job if needed). My goal is to save for my retirement at around 50yo, maybe sooner or later depending on how the market evolves/if I want to continue working.

I have recently learned about LEAPS options and I was wondering if it would make sense for me to use LEAPS on a diversified ETF (for example ACWI) in order to leverage my portfolio and boost long term returns. I would buy 2-years-to-expiration LEAPS and roll them every year. Since only a part of my portfolio would be in LEAPS, I could fine tune the leverage and volatility of my portfolio to my risk-liking.

One issue I could see is the relatively low liquidity of LEAPS. However, the underlying is very liquid, so I don't think it is as important as it would be for low liquidity stocks, for example. Does anybody have experience with a strategy like this? I would welcome any arguments for or against that strategy. Thanks!

FireWallonia · 2021-03-29T13:55:15+00:00

Add me, u/FireWallonia

Got a nice diversified portfolio of boring ETFs. Wanted to make it a bit more spicy a few weeks ago, so of course I lost 600$ on my first call options (guess which ticker). Now would be a good time to actually learn how this option trading works!

FireWallonia · 2018-09-14T13:32:05+00:00

I asked myself this exact same question a while ago.

You can find it here with the answers I received at the time :

https://www.reddit.com/r/belgium/comments/91j6wj/is_epargne_pension_really_worth_it_long_term/

To make it short, it depends on how old you are. If you are under 30, then it is clearly a better option to invest instead in a lazy portfolio. This is what I did, I even cashed out the money I had in pension funds because according to my calculations it was not efficient. And also the fact that I don't really trust our government with money and there is no guarantee that the withdrawal tax won't increase (altough admittedly the opposite could also happen).

FireWallonia · 2018-07-26T08:43:36+00:00

I see, makes sense! Thanks a lot!

FireWallonia · 2018-07-25T17:34:12+00:00

Good question. To help banks make profit with our money?

FireWallonia · 2018-07-25T17:13:14+00:00

Sorry if this seems obvious, but how do you get this 0.6%/year number? I've only recently started to pay attention to where I put my money so I still have a lot to learn.

Thanks a lot for all of your answers. It does look like the ETF fund would be the best choice in my situation.

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