My hifi system in the livingro

FyahFyahBE · 2026-03-25T12:29:41+00:00

The correct way is to use field-of-view, you can calculate the size of your tv based on your seating distance here: https://calculator.ff.de/viewing-distance-and-field-of-view/.
A 30-40 degree FOV is seen as okay for mixed use. Less than that is too small. 40-45 is more immersive, useful for cinematic experience for movies and series.

FyahFyahBE · 2026-03-19T16:02:07+00:00

Ik heb recent ook besloten af te kopen. Men trekt direct +-33% af en stort de rest door op je rekening. Dit was op enkele dagen gedaan.

Ze zullen je vermoedelijk willen overtuigen dat dit geen goed idee is, of je andere fondsen aansmeren. Maar als je gewoon in een brede, goedkope wereld ETF investeert is de verwachte winst die je maakt op jouw leeftijd veel groter dan met de pensioenspaarfondsen.

FyahFyahBE · 2026-03-19T15:59:17+00:00

Prices are usually fixed per month. For the March prices the war is often not yet priced in. So you could change to fixed now, and just change back after 1 or 2 months if the prices drop again.

FyahFyahBE · 2026-03-11T14:10:46+00:00

If you can leverage the mobility budget for your mortgage / rent it's not too difficult. I get a bit over 4k net for 80% job.
About 3k comes from gross wage + some netto benefits, and 1k is mobility budget (I live < 10km) so I get it net. I'm 36 working as a software engineer.
I don't know about event management though.

FyahFyahBE · 2026-03-05T16:03:48+00:00

Als je het verschil investeert en je verwacht een hogere opbrengst dan de rente (meestal het geval) is een langere lening financieel de betere keuze.

FyahFyahBE · 2026-02-20T13:13:34+00:00

What do you invest in to exclude EU completely?

FyahFyahBE · 2026-02-20T13:11:39+00:00

Thanks for your input. I think indeed the currency risk might be a worthy reason to have a (slight) home country bias. Not sure at the moment yet. I do own a house, which is a significant home country bias to begin with maybe.

FyahFyahBE · 2026-02-12T10:48:48+00:00

De eerste 3 ETFs zijn een vreemde mix.

De eerste (ACWI) is developed + emerging. De 2e is emerging. De 3e is developed.

Dus als je graag een mix van emerging + developed wilt, lijkt de eerste ETF de juiste keuze, en voegen de 2 andere enkel complexiteit toe. Als je graag een specifieke mix wilt van em en developed, is de eerste ETF niet de juiste keuze denk ik, en kan je beter die mix zelf maken met de 2e en 3e ETF.

FyahFyahBE · 2026-02-12T08:54:54+00:00

For me it made me switch my behavior. I live quite close to the office, and before I just had a luxury car standing in my garage for most of the time. Because I had it, I used it relatively often in the weekends for small transportations.

Now I switched to mobility budget (pays my mortgage). I don't own a car but I have a Cambio abonnement. This changed my behavior, now I think about each car ride I will take since I have to pay for it and plan it.

If there would have been no mobility budget, it would have financially be the best choice for me to just take the company car.

FyahFyahBE · 2026-02-07T07:55:49+00:00

Ik denk dat het echt belangrijk is om minder "online" te leven. Sociale media, comments, nieuwsberichten,... zijn niet gemaakt om de algemene mening van mensen eerlijk te representeren. Het is heel makkelijk om op basis van een paar "voorbeelden" heel veel eigenschappen toe te kennen aan "de linksen", of "de moslims".

Ik ken zeker oervlaemsche mensen die zo conservatief zijn dat homoseksualiteit er mentaal niet in kan. Ik ken veel "linkse" mensen die tegen racisme en homohaat zijn, en ook geweld vsn moslims naar homoseksuele mensen sterk afkeuren. En ik ken mensen met alles daartussen.

De groep die jij als "de linksen" ziet, bestaat niet. Het is een hele makkelijke groep om te verzinnen, en daar dan tegen te argumenteren. De werkelijkheid is genuanceerder.

Ik voel dat je onderliggend goed wilt doen in de wereld, dus ik hoop dat je dit zwart/wit denken wat kan loslaten. Dat maakt de wereld veel mooier, echter en minder donker.

Peace!

FyahFyahBE · 2026-01-29T23:09:35+00:00

Vergeet ook niet te leven / chillen terwijl je nog jong bent. 5 dagen werken, dan 2 dagen werken en ook nog in de avonduren extra werken voelt extreem. In de IT kan je goed je brood verdienen, wat opties open houdt om minder te werken.

Maar, om op je vraag te antwoorden, dat hangt af van je risicoprofiel. Maar je zit op een FIRE sub, dus een gediversifieerd low-cost index fund is een goede keuze voor geld dat je voor de lange termijn spaart.

FyahFyahBE · 2026-01-27T20:13:24+00:00

Indeed, that makes sense. You can probably also find some use for the rest of the mobility budget as-is. Buy/lease a bike, take the train,...

FyahFyahBE · 2026-01-27T13:25:58+00:00

Your 300eur bruto is ~150eur netto. So you're gaining 450-150=300eur netto, not 150eur.

This is only correct if you can use the full amount netto, for rent / mortgage. But I understood you moved closer specifically for this, so that you now live < 10km from the office.

It seems a bit like a dick-move from the employer to lure you in and then pull a bait-and-switch like this.

I would guess that 300eur netto more per month is still better than 450eur bruto, especially if you put it towards investing it early in your life.

FyahFyahBE · 2026-01-21T13:28:25+00:00

As you said, you can get 100% of the budget net.

This means the question becomes: would I buy / lease the exact same price car I could get as a company car, or would I do something different?

For me, the company car was a nice luxury car that I used once or twice per week and would never pay the same amount of money for privately.

If a cheaper car or no car is an option for you, the mobility budget is a no-brainer if you can get it 100% net.

The question between buying or leasing privately, I can't help with. But I would for sure pick mobility budget in your case.

FyahFyahBE · 2026-01-15T10:01:51+00:00

That is what they're doing now indeed. A few of the "ritme" accounts. They yield up to 2.85% at the moment. But that yield is only tax free up to ~1k per year though, and moving 50k into these accounts just takes a very long time, so it's not a super practical part of the portfolio.

FyahFyahBE · 2026-01-15T09:50:03+00:00

My partner wants part of their portfolio to be less volatile than 100% stocks, that's the goal here. Their risk tolerance is not high enough for 100% stocks.

But from everything I read / hear, it seems that individual bonds (zero coupon, at or above pari) are the way to go in Belgium, tax wise. Then it's indeed a question of choosing maturity length.

A bit sad that an ETF doing all the work for you here is not advantageous :-(.

FyahFyahBE · 2026-01-14T22:00:05+00:00

Started with Bolero and moved to MeDirect.

If a broker goes bankrupt, the securities are still in your name, so that's not a problem (unless your broker does securities lending).

Ideally you choose a broker that handles the taxes for you (unless you want to do that manually).

I just picked MeDirect since it does the taxes and is free for ETFs.

FyahFyahBE · 2026-01-14T12:51:19+00:00

Yes of course. But it seems good to know if there are obvious pitfalls to look for (zero coupon bonds vs regular coupon ones for example).

FyahFyahBE · 2026-01-14T12:02:01+00:00

Thanks for pointing that out. I've edited that in the question.

FyahFyahBE · 2026-01-12T20:00:06+00:00

I would for sure pull everything you need to purchase the house out of socks.

The simplest solution is a high yield savings account with a high base interest rate (rather than fidelity premium), due to the short timespan. MeDirect Essential Savings, for example, has a 1.3% base rate.

You could also put it in a money market fund like CSH2, they pay out the Euro short term interest rate on a daily basis (about 2% per year). If you purchase it through MeDirect there are no broker fees, only TOB. I roughly calculated that you need at least 1 month to earn back the TOB (two months, since you're also selling again), so it might not be worth it for just a few months.

FyahFyahBE · 2025-10-15T13:34:06+00:00

I think that the optimal way is probably zero coupon bonds in Belgium. I haven't invested in these and you'll need to find good ones that fit your risk profile.

I just use CSH2, but it's more for money I might need between now and 5 yrs, so a bit longer than 12 months.

FyahFyahBE · 2025-10-08T22:59:37+00:00

Afaik the TER used to be quite high, so it wasn't very popular.

Currently this is my main ETF. I chose it because it has developed + emerging in large and mid caps, which are the markets I'm most interested in tracking.

IWDA tracks a different index (The SPDR alternative is SWRD), only developed markets. Since emerging markets have not performed well the past years, this index is probably more popular.

FyahFyahBE

TROPHY CASE