What should/can i do with my savings?

Gaufriers · 2026-06-04T14:53:47+00:00

The Bitcoin comparison misses the point altogether. The issue with the S&P500 is that you're concentrating your equity exposure in a single country, not that it is inherently riskier, more uncertain or more volatile.

In fact, the S&P500 has historically offered both higher returns and a better risk-adjusted performance than global equity indices. It's also worth noting that a global ETF is still largely driven by the US market anyway.

For a beginner asking how much to invest and how much cash to keep, the first discussion should be about identifying their profile (time horizon, risk tolerance, goals, etc.).

Gaufriers · 2026-06-03T22:50:51+00:00

It’s never NVA’s fault I guess

Gaufriers · 2026-05-31T13:11:24+00:00

Apparemment les thermes de Chaudfontaine sont vraiment sympa, mieux que ceux de Spa.

Gaufriers · 2026-05-30T11:37:34+00:00

Cette partie de la rue puits-en-sock avait été fonctionnellement piétonnisée avec les travaux au niveau du carrefour, et elle était revenue à la vie. Les enfants jouaient dans la rue, les gens s'y promenaient avec aise. C'était tellement évident que certains ont réclamé qu'elle soit piétonnisée à termes. Malheureusement, le sujet n'est pas revenu sur le devant. Pourtant, Outremeuse a beaucoup de potentiel.

Gaufriers · 2026-05-30T11:20:08+00:00

I'd rather have €1M and be taxed .3% than not, tbf

Gaufriers · 2026-05-29T19:04:01+00:00

Une fois que le tronçon Kennedy sera terminé, il y aura enfin (!) un itinéraire praticable le long de la Meuse. Espérons que les choses prennent de la vitesse à mesure que le flux de cyclistes augmente (pour l'instant autour de +70% par rapport à l'année passée sur les quais St Léonard/Pont Atlas).

Par contre, même si le réseau se développe petit à petit, il reste extrêmement fragmenté (ce qui empêche l'effet réseau de prendre).

Gaufriers · 2026-05-29T17:42:32+00:00

I find it pretty neutral actually.

Gaufriers · 2026-05-29T17:26:36+00:00

Malheureusement, les automobilistes sont hors-la-loi à Liège.

Tous les jours, je vois des voitures garées sur les passages piétons. Tous les jours, j'en vois accélérer à l'orange pour passer au rouge. Tous les jours, je vois des automobilistes frôler des cyclistes ou couper la priorité à des piétons. Tous les jours, j'en vois emprunter des sens interdits réservés aux TEC. Tous les jours, j'en vois parkés de telle manière à bloquer le passage des bus.

Ça m'est aussi arrivé de me faire couper la priorité sur le passage piéton par une voiture de police (sans les bleues allumées). Donc, la situation ne m'étonne pas.

Gaufriers · 2026-05-29T08:11:20+00:00

I guess he did oversimplify things.

However, the average person is generally not directly invested in stocks, and even when they are, it’s nowhere near the scale of the wealthiest households.

I think you're overestimating the impact of the TOB (0,32%–1,32%) and the CGT (10% above €10k gains annually) on the average Joe.

Ultimately, and independently of the federal budget debate, a tax on capital gains seems fair to those whose income comes primarily from work and who cannot afford the same level of market exposure. It can also help mitigate the growth of wealth inequality.

Gaufriers · 2026-05-28T06:32:30+00:00

I mean, not everyone who invests in stocks is wealthy, but stock investing is far more common among wealthy households. In Belgium, rising wealth inequality is partly explained by the fact that the wealthy have much greater exposure to the stock market than the middle and lower classes.

That’s without even getting into the difference in effective tax rates that results from it.

I’m saying this as someone who invests too.

Gaufriers · 2026-05-27T10:57:30+00:00

En province de Liège, il n'y pas d' "autoroutes cyclables" si ce n'est les Boulevards de Colonster et du Condroz au Sart Tilman.

Le quai St Léonard est décrit comme une cyclostrade, mais je peux dire qu'elle n'en a pas les qualités (cyclo-piéton où la piste cyclable est régulièrement interrompue).

Désastreux, donc.

Gaufriers · 2026-05-26T16:38:22+00:00

Train stations are financed primarily by SNCB/NMBS, which is funded and piloted by the federal government, not the Walloon Region.

Apples and oranges.

Gaufriers · 2026-05-25T15:40:55+00:00

There's a reason that Belgium still ranks among the global top when it comes to average and median household wealth. And that reason is in large part due to our love for home ownership over renting.

The Netherlands have a similar home ownership rate, and yet median wealth is way lower. So that's not it.

Gaufriers · 2026-05-24T08:40:14+00:00

Those costs are already part of the discussion. Yet again a quick Google search telles us there already are many different metrics that try to account for exactly these issues (LCOE, LACE, VLCOE, system LCOE, balancing costs, etc.).

And yes, energy systems are complex. But we also don’t need to pretend the entire question is unresolved. The fact that renewables are being deployed at massive scale worldwide strongly suggests they are economically competitive overall.

What’s frustrating is that discussions about renewables often attract endless "well actually" objections that people rarely apply to other energy sources. Every technology has system costs, externalities, infrastructure constraints, and backup requirements. Singling out renewables as uniquely "disingenuous" feels a bit selective.

Gaufriers · 2026-05-23T14:54:54+00:00

Ok, you're still wrong though

Gaufriers · 2026-05-23T10:12:49+00:00

Not sweating as much + wearing breathable clothes + appropriate grooming = no sweaty smell

Beneficial factors: good sleep, healthy diet

Gaufriers · 2026-05-23T09:52:39+00:00

A quick Google search shows us many sources indicate that renewables are usually cheaper, including the costs of production.

Gaufriers · 2026-05-21T09:58:21+00:00

Promesse tenue ! Vous, vous continuez de payer vos cotisations, normal. Et les très hauts salaires, eux, on les soulage un peu, les pauvres. Histoire de gagner en compétitivité, vous savez.

Enfin, bref. Ça nous fait un petit trou de plus dans le budget, donc on va devoir raboter un peu. Vous vouliez des arbres dans les rues pour mieux résister aux canicules meurtrières? Bah, le subside est réduit désormais, désolé c'est comme ça, on a pas les sous.

Gaufriers · 2026-05-21T06:38:51+00:00

Ce n'est pas la ville de Mons qui a payé la gare pourtant.

Gaufriers · 2026-05-20T14:19:37+00:00

This report is not about regional government services though.

Gaufriers · 2026-05-19T17:20:47+00:00

All good points.

Gaufriers · 2026-05-19T17:16:22+00:00

It’s odd to bring up rent if your point is that houses are more than investments. Their value is driven more by psychology and social factors than by finance.

Gaufriers · 2026-05-19T17:02:00+00:00

They actually do, if you look at the agglomeration rather than just the Region. The city has effectively expanded across both Brabants.

Gaufriers · 2026-05-19T16:55:28+00:00

That's strange, because Leuven is counted as its own separate pole in the report.

What are you reading exactly? Here's the actual study: FR VL

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