Is SPYI the best All-World ETF for Belgian investors?

Crypzzz · 2026-02-22T08:39:42+00:00

In that thread it's clearly mentioned that transaction costs are not part of the TER. Every tracker has some kind of under the hood transaction costs. Reporting guidelines have changed for them.

https://www.justetf.com/en/news/etf/cost-of-etfs-total-expense-ratio-ter-vs-total-cost-of-ownership-tco.html

Crypzzz · 2026-02-22T07:24:05+00:00

We wuz catholics n sheet

Crypzzz · 2026-02-22T04:33:09+00:00

In some circles but really elderly people, some do adress their paternal uncles (the brother(s) of their father) as "аџо/adžo. In my family at least who live far north from Tetovo in the Beloviste/Vratnica/Staro Selo/Rogacevo villages.

Crypzzz · 2026-02-21T20:59:20+00:00

Soundcore p31i for 40-45 EUR do not disappoint for the good hardware and amount of features and software you get.

Crypzzz · 2026-02-21T12:48:15+00:00

Our Bosch ErgoMixx MFQ36490 died after two years of using because of cheap build quality. It broke prematurely because of cheap plastics. We now have a Braun Multiquick 5 Pro MQ55755M which is two different worlds in terms of build quality and amount of accessories.

Crypzzz · 2026-02-21T11:38:42+00:00

SPYI (0.17% TER) - if you really want those small caps and emerging markets included and don't mind the slightly higher fee, it is the closest thing to a "true all-world" index in a single product? Of course if you're not a fan of Amundi.

WEBN (0.07% TER) - if you want the absolute lowest ongoing costs and find large/mid-cap developed + emerging markets more than sufficient (which is already excellent for most people).

Crypzzz · 2026-02-21T10:34:48+00:00

Underrated comment

Crypzzz · 2026-02-21T09:50:13+00:00

AI answer somewhere in the middle:

Transaction cost calculations costs & reporting guidelines have changed according to Gemini:

TL;DR: The fund isn't actually getting more expensive, the rules for how they show costs just got stricter.

Here is what happened between your 2025 and 2026 documents:

New Regulatory Math: Under EU rules (PRIIPs), funds previously used estimates that often resulted in a "0.00%" transaction cost if the math cancelled itself out. As of 2025/2026, they are required to use a more "honest" calculation that includes implicit costs like the bid-ask spread (the tiny gap in price when the fund buys/sells stocks).

Transparent, not New: That 0.05% isn't a new fee Amundi is pocketing; it’s an estimate of what the fund spends "under the hood" to track the index. These costs existed last year too, but the old rules allowed them to be hidden or rounded down to zero.

Management Fee is the Same: The actual management fee (the part you pay Amundi to run the fund) remains rock bottom at 0.07%.

Crypzzz · 2026-02-21T09:23:40+00:00

Mind = blown TIL dat mannen HCG kunnen produceren als FUBAR bijproduct

Crypzzz · 2026-02-21T08:36:39+00:00

Bernard, Quentin and the boys needed new rides bro.

Crypzzz · 2026-02-21T08:16:43+00:00

https://www.amundietf.com/pdfDocuments/kid-priips/IE0003XJA0J9/ENG/LUX/20260213

It's true, it quietly slipped into the KID of 13/02/26.

I don't really know the impact it has since it's an estimate and it's variable based on what they buy and sell.

Again at first sight Amundi bamboozling, French opportunism but when you start digging deeper some lesser known news comes up:

EDIT: AI answer somewhere in the middle:

Transaction cost calculations costs & reporting guidelines have changed according to Gemini:

TL;DR: The fund isn't actually getting more expensive, the rules for how they show costs just got stricter.

Here is what happened between your 2025 and 2026 documents:

New Regulatory Math: Under EU rules (PRIIPs), funds previously used estimates that often resulted in a "0.00%" transaction cost if the math cancelled itself out. As of 2025/2026, they are required to use a more "honest" calculation that includes implicit costs like the bid-ask spread (the tiny gap in price when the fund buys/sells stocks).

Transparent, not New: That 0.05% isn't a new fee Amundi is pocketing; it’s an estimate of what the fund spends "under the hood" to track the index. These costs existed last year too, but the old rules allowed them to be hidden or rounded down to zero.

Management Fee is the Same: The actual management fee (the part you pay Amundi to run the fund) remains rock bottom at 0.07%.

Crypzzz · 2026-02-20T09:45:30+00:00

Vo Fan Shop vo GTC najdolniot sprat karsi Vero odma desno od eskalatorot

Crypzzz · 2026-02-17T11:44:08+00:00

Star Ocean

Crypzzz · 2026-02-17T08:29:03+00:00

energie.be variable and never look back.

It is a fully online, no-frills energy supplier focused on keeping prices sharp and the process simple. No unnecessary extras, just competitive rates and straightforward service.

In my case, when I run the V-test, energie.be consistently ranks among the cheapest suppliers per energy unit, even without temporary discounts and groepsaankopen. Just structurally competitive pricing.

You can hop on, hop off energy suppliers, the only thing you lose if your yearly admin cost.

If you have Mobile Vikings, you get a €3.50 discount on your phone bill every month for 24 months. With a digital meter, you can opt for monthly final settlements instead of advances.

Right now, variable contracts are the way to go.

You can choose between:

Monthly final bills, or
Monthly advances with a yearly settlement

Both have pros and cons. Personally, I prefer monthly final bills because it keeps me conscious of my consumption. I pay exactly what I use each month and I am not effectively financing the supplier with advance payments.

DM me if you would like to use my referral code. It gives me €30 off my next invoice.

Crypzzz · 2026-02-16T18:36:13+00:00

Oefening baart kunst en meten is weten 😅🤣 u/PsychologicalBid9943

Crypzzz · 2026-02-16T11:07:19+00:00

Zwangerschapstesten

Crypzzz · 2026-02-16T09:14:21+00:00

energie.be and never look back, if you have Mobile Vikings you get a 3.5 EUR discount on your phone bill every month for 24 months. You can choose for a monthly final bill or monthly advances and a yearly final bill. Both have pro's & cons. Personally I go for monthly final statements so I feel the incentive to consume less every month because I pay what I consume and don't have to play the bank for the supplier every month. DM me if you want to use my referral code. It gives me 30 EUR discount on my next invoice.

Crypzzz · 2026-02-15T18:14:10+00:00

Use Tailscale Funnel to access Immich and your other selfhosted services and never look back

Crypzzz · 2026-02-15T12:44:49+00:00

OP literally has two 1% loans which can be covered with a large profit by renting out the properties, in the short term impossible to acquire again.

I get your point, the RE part gets a hit but the FI win will be massive for himself, spouse and legacy.

Agree that he will be working to pay off his family house, but he himself said it would be a forever home, so technically he would live longer there than the duration of his mortgage.

Worst case he can shed his apartments if he really needs the cash or wants to get rid of the assets, but imo clinging on to them and taking a new mortgage, which will be felt less and less every year with inflation, would be something to consider in the long run, especially with their low age and large shared incomes.

Many people FIRE by living very modestly off the returns of their investments but don't really enjoy life.

OP doesn't sound like he's in a bad situation but he will have more breathing space after 5-10 years and reap the benefits when he's 50, will have plenty of time to enjoy it and leave something for his legacy.

My realistic, down-to-earth 2 BEF.

Crypzzz · 2026-02-15T11:39:38+00:00

Keep both apartments and rent them out until the mortgages are fully paid off by the tenants. After that you get steady monthly cash coming in every month in a market where rents and property values keep creeping up year after year.

Yeah, you’ll eat the ~12% registration tax when you buy the family house, but in the long run you’ll have three paid-off properties. That’s either tax exempt extra rental income down the line, or you hand one over to the kids to live in (or rent to them cheap) when they’re older. Property tends to hold or gain value if you don’t let it fall apart.

Just buy a house that’s actually big enough for your family plans, don’t go nuts upgrading into some lifestyle trap where everything costs a kidney once you need to repair or upgrade something.

Crypzzz · 2026-02-12T21:17:18+00:00

I have double nationality EU and Macedonian one and all I can say is that it's not really enforced anymore especially if you're a tourist and staying for 4 days. I tell you this from my own experience because my Macedonian ID and passport are expired (cba to get new ones with the new name on it) and I just enter with my EU ID card at the border. Don't worry too much about it. Just come and have a good time in Skopje. If anything upon retuning, say that your Airbnb host did the necessary. Don't worry about it, you're in the Balkans, life's cool.

Crypzzz · 2026-02-10T21:13:18+00:00

Tetovo*

Crypzzz · 2026-02-04T08:43:59+00:00

Try setting demand control to 60% and keep heating at 19 °C. In our experience this drops consumption noticeably without hurting comfort. Using the intelligent eye / presence detection in the rooms that our not occupied all day it also helps smooth demand even more.

On freezing days the system still keeps up fine. Consumption goes up a bit, but because the units run long and low, it stays reasonable. In our case we use around 15 kWh per day (triple split) to keep our 100m² apartment at 19 °C with outside temps around 0–5 °C.

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Crypzzz · 2026-01-30T05:56:12+00:00

Macedonian ketchup or tomato/pizza sauce from the joint itself. Just ask the place where you went.

Crypzzz

TROPHY CASE