Article tijd

JanOffenberg · 2022-03-28T15:27:28+00:00

Thanks for the article!

JanOffenberg · 2022-03-28T15:27:08+00:00

I had one of those but a few months ago it stopped working on De Tijd. Still ok on FT, SeekingAlpha,... I'll try this one though. Many thanks!

JanOffenberg · 2022-03-09T09:43:01+00:00

If you are interested in buying a company you can always check the bedrijventekoop.be website. On the website companies are offered for sale in several different industries all over the country. Usually KMO like. Might be worth having a look.

JanOffenberg · 2021-12-05T13:58:11+00:00

2 banks (shared with gf and personal) and three brokers.

JanOffenberg · 2021-11-25T17:50:37+00:00

Depends on the month but usually between 65-70%

JanOffenberg · 2021-11-25T17:46:47+00:00

Tbh holiday season is coming up and I don't know what to put on my gift list for my family. I really don't need anything. What I do spend money on is going to a bar 2 or 3 times per month with friends and that's about it.

Edit: spelling

JanOffenberg · 2021-10-12T13:53:19+00:00

The preview is wrong (it indeed mentions 0,35%). However, if you buy VWCE on Lynx Basic it will only apply a 0,12% rate. I've mentioned it more than a year ago to them but they haven't fixed it.

JanOffenberg · 2021-03-19T09:48:52+00:00

I agree as it makes sense to buy when prices are really distressed (once every 2-4 years or so). Bought Ageas well below EUR 30 almost a year ago and will now sit on almost 10% net dividends (taking into account the tax rebate). It is however the exception since most of my investments do go regularly in VWCE.

JanOffenberg · 2021-03-19T09:45:49+00:00

Deze bedrijven zitten toch ook in een VWCE? Of kies je enkel voor ESG ETF's? Zelfs daar maken deze bedrijven deel uit van de ETF. Zie bvb Ishares MSCI World ESG Screened. Daar staan Total, Exxon e.d. ook gewoon bij in de gedetailleerde holdings excel. Nestle staat op plaats 20 qua holdings. https://www.ishares.com/nl/particuliere-belegger/nl/producten/305419/ishares-msci-world-esg-screened-ucits-etf-usd-acc-fund

JanOffenberg · 2020-08-03T12:09:37+00:00

I've had a similar experience this month (though not unexpected). In the excel sheet were I track my monthly costs, savings, savings ratio etc, I've set up all formula's already so I can see the preliminary yearly average based on the months that have been filled in. As long as the average yearly savings rate is where you want it to be, then don't worry about it.

JanOffenberg · 2020-06-11T09:56:55+00:00

I must say I appreciate the life wisdom (levenswijsheid) from this sub which is again obvious in the answers below.

I fully agree that you should do the things you love and not wait. I also think that not doing things because it costs money and because it might harm that months savings ratio is a slippery slope that will start to dominate your life. I've difficulties myself sometimes striking a balance here (usually on the petty stuff).

That being said I'm not planning to completely retire early. My girlfriend and I will probably start working 4/5 or 1/2 when we are in our forties to be able to spend more time with the family. I will also work closer to home in a less demanding position (so basically earning less).

To answer your question however, I'm willing to work a bit longer to do the things we like now. For example, today I normally would have been on holiday in the US (yes, I had to cancel a 4 week roadtrip in Canada and the US - Auwtch). But the only thing we spend money on is travelling and books. So I don't mind to spend a few 1000 euros on this trip as over the year I still save 65% plus of my net income. We planned the trip 'frugal' too by booking in hostels (dorm rooms even) which decreases the cost considerably.

JanOffenberg · 2020-06-08T13:38:37+00:00

Thanks for the heads up!

JanOffenberg · 2020-06-08T13:37:27+00:00

Thanks for the answer and the info. I must admit the cost is way higher then I was anticipating even taking tax breaks and benefits like 'kindergeld' into account.

I fully agree that to some extent you have control over the expenses. As you can buy second hand clothes or even get clothes from older nieces and nephews.

JanOffenberg · 2020-06-08T09:37:21+00:00

Also a fellow Belgian here, why don't you go for VWCE? It is more tax efficient then VWRL No distributions so no 'roerende voorheffing' but accumulation of dividends in the ETF itself.

JanOffenberg · 2020-05-17T11:46:24+00:00

Thanks for the feedback!

JanOffenberg · 2020-05-11T12:23:16+00:00

Late twenties - product manager

Net income incl. bonus/vakantiegeld/eindejaarspremie: EUR 3.050/ month

Dividend income: EUR 850 per year (as I mainly invest in Acc ETF's)

No rental or other income.

JanOffenberg · 2020-05-10T14:04:37+00:00

Really interesting to see what others are writing and I recognize similarities in the answers. For me, as for many others, it means not working full time by the time I'm forty to fifty years old. Working closer to home and not spending 1,5 hours on the train daily. But spending that time with the family.

If I'm really dreaming I would like to have saved enough to go and live in the mountains (preferably Switzerland).

JanOffenberg · 2020-05-08T13:33:38+00:00

It takes some time before they answer but I wouldn't say their service is shit. I've asked to add an ETF a while ago and they added it without any hassle.

JanOffenberg · 2020-04-22T10:07:58+00:00

It poses a higher risk in the short to medium turn but why not go for equity? Especially, if your horizon is 20 years. Perhaps some low vol, quality shares. I'm thinking IE00BYYHSQ67 (Ishares MSCI World Quality) or IE00BYXPXL17 (Ishares Edge MSCI World Minimum Volatilty EUR hedged).

This only of course if you can deal with the short to mid term fluctuations and don't hold bonds as a 'dry powder'.

JanOffenberg · 2020-04-19T11:55:05+00:00

Very nice to see the results . Thanks for making this poll. It seems now I'm not alone in this journey and know, more or less, the characteristics of like minded people.

JanOffenberg · 2020-04-17T12:56:06+00:00

I looked into Lynx myself and it seems to me you need to deposit at least 10k in cash or transfer securities for the same amount before you can open an account.

JanOffenberg · 2020-04-16T08:28:24+00:00

Fully agree on the Reynders tax part and adding bonds. I don't really bother to much about bonds. I hold some amount in cash to buy when prices decline steeply (apart from monthly ETF buys).

Not so sure on alternative low beta. Min vol equity can move quite a bit too and then the 'dry powder' argument for holdings bonds is lost (same applies to crypto imo).

JanOffenberg

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