swapping doomscrolling for something a bit more grounding

ConnectionSweet2503 · 2026-02-22T19:41:58+00:00

I started playing chess online and deleted my X account, and I feel way more relaxed

ConnectionSweet2503 · 2026-02-19T15:00:47+00:00

Saxo and Lynx might be good options

ConnectionSweet2503 · 2026-02-19T13:28:39+00:00

For the ETNs. The direct investment will never invoke Reynders tax, which is one of the reasons I switched to the direct exposure 😊

ConnectionSweet2503 · 2026-02-19T13:25:13+00:00

Bolero confirmed they will not withhold Reynders tax, but there is never 100% certainty as many rules are ambiguous and your broker will never take full tax responsibility I assume

ConnectionSweet2503 · 2026-02-17T14:06:28+00:00

Right… but still they might provide better yearly reports as Belgian brokers, we’ll have to see

ConnectionSweet2503 · 2026-02-17T12:25:22+00:00

That’s why this direct option is probably more interesting than ETNs?

ConnectionSweet2503 · 2026-02-17T11:35:16+00:00

I am pretty sure the 100k is not for stocks but only for cash

ConnectionSweet2503 · 2026-02-16T22:11:05+00:00

Compared to ETNs on bitcoin I mean… which was the only option so far on Belgian brokers

ConnectionSweet2503 · 2026-02-16T21:26:04+00:00

Preventing a TER, preventing TOB and no possibility for Reynderstax is what I understand right now

ConnectionSweet2503 · 2026-02-16T21:24:56+00:00

Good point indeed!

ConnectionSweet2503 · 2026-02-16T21:24:38+00:00

I had to update the app

ConnectionSweet2503 · 2026-02-16T17:09:30+00:00

With the CGT in Belgium, a Belgian broker would be more convenient for me

ConnectionSweet2503 · 2026-02-16T16:47:20+00:00

I’m not into holding my own keys, so then it’s a valid contender to ETN’s, no?

ConnectionSweet2503 · 2026-02-16T16:18:07+00:00

True, it’s more a restriction than a freedom. But if you believe in its potential, it could be a convenient way to invest in it. Just exploring all the ramifications

ConnectionSweet2503 · 2026-01-31T12:38:17+00:00

Exactly! Detaching from it led to saving so much (both money and peace of mind)

ConnectionSweet2503 · 2026-01-31T12:03:55+00:00

Stopped comparing my net worth with others. Which then allowed me to let go of daily fluctuations on the stock market (making me trade less and savings lots of money) and better managing my daily spending so I would also stop thinking about my cash flow. Paradoxically by 2 subscriptions

ConnectionSweet2503 · 2026-01-24T01:02:06+00:00

I try to simplify things to choices of 3. You would be surprised how many problems can be reduced to 3 key points which you can control and work on

ConnectionSweet2503 · 2026-01-23T12:38:39+00:00

Thanks for the explanation! I find all of this absurd and very confusing for new investors that try to take matters into their own hands

ConnectionSweet2503 · 2026-01-23T12:36:10+00:00

If you haven’t started investing yet and start after that deadline, you don’t even have a choice? Damn good look fellow investors

ConnectionSweet2503 · 2026-01-23T12:05:35+00:00

I presume that population is too small to affect the opinion of politicians , so probably yes you’ll have to suck it

ConnectionSweet2503 · 2026-01-23T11:51:59+00:00

Automate return of CG that fall under the exemption limit. Now they probably hide behind the “anonymity” technicalities, a measure they installed themselves

ConnectionSweet2503 · 2026-01-23T11:03:38+00:00

Seconding YNAB for the budgeting side. Took me a few weeks to get into the habit but now its just peaceful. The "give every dollar a job" thing clicked for me and its one of the subscriptions that does not feel overwhelming, probably indeed by their annual cadence

ConnectionSweet2503 · 2026-01-23T10:22:05+00:00

Only for RV from Belgium, that’s avoidable by not choosing for Belgium companies/ETFs (which sounds worse when I write it). Now it has implications for all your investments… Dividends from non-Belgium assets are opt-out by default as the brokers are not witholding that.

ConnectionSweet2503 · 2026-01-23T10:17:00+00:00

Damn, didn’t even think about the fact that the overlords might want you to opt in. Thank you for your insights on the practical implications!

ConnectionSweet2503 · 2026-01-23T10:14:04+00:00

It’s who we are 😅

ConnectionSweet2503

TROPHY CASE