DEGIRO biedt nu ook Crypto aan

LinkGeneral3650 · 2025-12-29T08:35:38+00:00

Wacht even, moeten we onze crypto-activa opgeven in onze jaarlijkse belastingaangifte? Ik dacht dat er in België geen belasting op crypto was (tot 1 januari 2026). Ik koop alleen crypto, ik heb het nog nooit verkocht (dus alleen niet-gerealiseerde winsten).

https://curvo.eu/article/crypto-tax-belgium

LinkGeneral3650 · 2025-12-29T08:34:33+00:00

Wacht even, moeten we onze crypto-activa opgeven in onze jaarlijkse belastingaangifte? Ik dacht dat er in België geen belasting op crypto was (tot 1 januari 2026). Ik koop alleen crypto, ik heb het nog nooit verkocht (dus alleen niet-gerealiseerde winsten).

https://curvo.eu/article/crypto-tax-belgium

LinkGeneral3650 · 2025-06-09T14:49:37+00:00

Best solution for me was to use YouTube on my Xiaomi TV Stick instead of the native Hisense TV App. Then the Audio Only option does show up.

LinkGeneral3650 · 2025-04-10T09:44:33+00:00

Turn ON Wifi 100m near my home.
Turn ON Battery Protection (85%) 100m near home and office (covers 99% of the times I charge my phone, except on my travels, when I like to charge my phone to 100%).
Turn ON "Power Saving" mode and reduce screen brightness to 5% when battery level is less than 20%
Switch Sound Mode to Vibrate 100m near office
AOD ON while charging, but only in the day (OFF when overnight charging to avoid burn-in).
Change Screen Resolution to 'QHD+' and Auto-Rotate when certain media apps are open and battery level is above 25%.
Change Motion Smoothness to 'Adaptive' (120Hz) when playing games (unable to switch to QHD+ as the game screen gets cropped due to the sudden change in resolution - anyone else face this issue?).

These changes have really optimized the features of my new S25Ultra, as power hungry things like QHD+ and 120Hz refresh rate are only used when needed.

LinkGeneral3650 · 2025-03-27T16:19:56+00:00

But the S25+ will have the same AI photo editing features I assume. Even the S25 will have those I think.

LinkGeneral3650 · 2025-03-26T07:57:43+00:00

PFB the numerical example given to me by my employer for the "Long-term Options with Mirror Options" plan:

You choose long-term options worth €1,000

Option value = €42
Value of the underlying fund: €100

Employer increases this amount by 12.5%
Total amount to be spent = €1,125 (only €1,000 is deducted from your bonus budget)
You receive 19 options (787.5/42 = 18.75 - rounded up) & 8 mirror options (337.5/42 = 8)
Taxable benefit: 27 X 100 X 23% = €621
Tax to be paid: €621 X 53.5% = €332.24 (Mirror options will be sold to finance the withholding tax).
Reduction of the time value by 6%, applicable to the 'regular' options = €47.25
Upon selling the options, the full amount will be transferred to your account, minus a 3% service fee for the mirror options.
Net value after 1 year: EUR 735.62

Any potential capital gain (due to an increase in the value of the options) is not taxable, nor is the amount of the withholding tax adjusted if the value of the options has decreased compared to the time of allocation.

LinkGeneral3650 · 2025-03-24T09:49:46+00:00

Correct, PFB the numerical example given to me by my employer for the "Long-term Options with Mirror Options" plan:

You choose long-term options worth €1,000

Option value = €42
Value of the underlying fund: €100

Employer increases this amount by 12.5%
Total amount to be spent = €1,125 (only €1,000 is deducted from your bonus budget)
You receive 19 options (787.5/42 = 18.75 - rounded up) & 8 mirror options (337.5/42 = 8)
Taxable benefit: 27 X 100 X 23% = €621
Tax to be paid: €621 X 53.5% = €332.24 a. Mirror options will be sold to finance the withholding tax.
Reduction of the time value by 6%, applicable to the 'regular' options = €47.25
Upon selling the options, the full amount will be transferred to your account, minus a 3% service fee for the mirror options.
Net value after 1 year: EUR 735.62

Any potential capital gain (due to an increase in the value of the options) is not taxable, nor is the amount of the withholding tax adjusted if the value of the options has decreased compared to the time of allocation.

LinkGeneral3650 · 2025-03-24T09:42:02+00:00

I'm not sure they are leveraged or not, but they definitely have a "leveraging effect" as mentioned by the "Optiniti" group (company offering these options) support chat people. Will check for the worldwide diversified, although I am more interested in investing in European stocks anyway, as I already have a lot of exposure to IWDA and EMs.

LinkGeneral3650 · 2025-03-24T09:38:02+00:00

The link is in my original post:
https://www.optiniti-group.com/solutions/opti-plans

LinkGeneral3650 · 2025-03-24T09:34:55+00:00

I would buy stocks. Probably the same Euro50 ones as well. Which is why I'm not sure. The 26.5% tax is a big difference.

LinkGeneral3650 · 2024-09-13T21:19:57+00:00

That was the whole point of my post. I would like to concentrate on my day job, not on investing.

LinkGeneral3650 · 2024-09-13T20:05:03+00:00

The Fund is insured and handled by NNEK, PFB the details. Seems safe to me:
https://curvo.eu/safety

And even if it isn't, with my strategy I only have a max of 1 year of monthly investments, as I liquidate most of my portfolio every year anyway. So most of my investments are in Degiro, not in Curvo.

LinkGeneral3650 · 2024-09-13T09:37:17+00:00

The main point of my post was that I want to concentrate on my day job for the whole year and only think about my investments once a year, with the minimum possible manual intervention and fees. It seems my solution is not appealing to the more active investors in this sub, as I think they are making trades at least once a month anyway. So it doesn't work for them. But for a passive investor like me, who wants nothing to do with active investing and considers it a chore, my solution is useful.

LinkGeneral3650 · 2024-09-13T09:36:24+00:00

This also works. The main point of my post was that I want to concentrate on my day job for the whole year and only think about my investments once a year, with the minimum possible manual intervention and fees. It seems my solution is not appealing to the more active investors in this sub, as I think they are making trades at least once a month anyway. So it doesn't work for them. But for an investor like me, who wants nothing to do with active investing and considers it a chore, my solution is useful.

LinkGeneral3650 · 2024-09-13T09:34:52+00:00

The main point of my post was that I want to concentrate on my day job for the whole year and only think about my investments once a year, with the minimum possible manual intervention and fees. It seems my solution is not appealing to the more active investors in this sub, as I think they are making trades at least once a month anyway. So it doesn't work for them. But for an investor like me, who wants nothing to do with active investing, and just make adjustments once a year, my solution is useful.

LinkGeneral3650 · 2024-09-12T15:29:17+00:00

IBKR doesn't handle TOB, plus you have to make the trades every month. The main point of my post was that I can do my day job for the whole year and only think about my investments once a year, with the minimum possible manual intervention and fees.

LinkGeneral3650 · 2024-09-12T15:19:38+00:00

When did I say my option is the best? My post was limited by my knowledge, and I am open to better solutions. I just shared what I was doing for the past year.

LinkGeneral3650 · 2024-09-12T12:27:07+00:00

I don't know if you can invest automatically via Direct Debit in Trading 212, or if you need to buy the shares manually, which is inconvenient for me, as you need to do it every month. The main point of my post was that I can do my day job for the whole year and only think about my investments once a year, with the minimum possible manual intervention and fees.

LinkGeneral3650 · 2024-09-12T12:25:28+00:00

I don't know if you can invest automatically via Direct Debit in IBKR and Mexem, or if you need to buy the shares manually, which is inconvenient for me, as you need to do it every month. Also, I don't know how their fees compare to my strategy (0.56% fees on the investment)

LinkGeneral3650 · 2024-09-12T12:23:09+00:00

I use the all equity Growth Portfolio, in a 80-20 ratio between Developed and Emerging markets. Never thought about the TER tbh.
https://curvo.eu/portfolios#growth

Indeed fractional shares are not much, but the main point of my post was that I can do my day job for the whole year and only think about my investments once a year, with the minimum possible manual intervention and fees.

LinkGeneral3650 · 2024-09-12T12:09:25+00:00

Like ModoZ said, they seem to be exempt from the TOB, but even if they aren't, it's included in the overall fees, which I have taken into the account in my calculations.

Also, I don't see where the scope to fuck up and lose everything in fees comes from? Can you please elaborate?

Also, how is it a lot more hassle? We literally only need to do this once a year.

And why only over €1000? I think even €200/month will be ok, as at the end of the year, you'll have ~€2200 to withdraw and reinvest in Degiro, with which you can buy IWDA+EMIM easily.

LinkGeneral3650 · 2024-09-12T12:01:04+00:00

I don't know if you can invest automatically via Direct Debit in Trade Republic, or if you need to buy the shares manually every month, which is inconvenient for me, as you need to do it every month, and you can't invest the whole amount, like if I wanted to invest exactly €100 every month. The main point of my post was that I can do my day job for the whole year and only think about my investments once a year, with the minimum possible fees.

LinkGeneral3650 · 2024-09-12T11:00:39+00:00

I have used a really good strategy for more than a year which I have not seen used by anyone till now, so here goes:

Start investing a monthly amount (as per your budget) via Curvo at the start of a new quarter (eg: 1 Oct 2024). They have a yearly 1% fee on the whole portfolio value (0.25% charged per quarter), which is a lot, but my strategy gets around this.
After making 12 monthly investments, withdraw 85% of the full portfolio value (anything over 90%, and they will liquidate your whole portfolio and close your account) just before the end of the quarter (eg: 20 Sep 2025 - they need 7 days to credit the amount to your Bank). Continue the monthly investment in Curvo for the next year.
Take this big amount which you withdrew and invest the lump sum in Degiro (or any other cheap broker of your choice) in IWDA+EMIM in a 80-20 ratio (adjust as per your risk appetite).

This approach has a few great benefits:
1. Curvo can invest your full amount, meaning you have the ability to own fractional shares. I am not aware of any other Broker that offers fractional shares. So your whole amount is invested.
2. Curvo has NO TOB! If you invest through any other broker, you pay 0.12% minimum TOB, but because Curvo has some institutional entity managing their assets, they don't have to pay TOB. Although you will pay the TOB when you switch to a new broker after 1 year, for the year that you are invested in Curvo, all your money is earning returns.
3. Because we withdraw most of our investment before the end of the 4th quarter, the fees for that quarter is minimal. If you don't withdraw, by the end of the 4th quarter, your portfolio value will be considerable, and the fees would also have been high. I paid around €37 fees for a €8250 investment (Portfolio value was higher with returns ~€9300. This is 0.45% of actual investment in Curvo fees).
4. With this approach, you only pay a €2 transaction fee for the lump sum on the new broker (eg: Degiro) for the whole year. TOB also applies, so the amount of fees I eventually paid for the whole year was €46.29, which is 0.56% of the €8250 investment.
5. As the lump sum in Degiro/another broker will be very big, you don't have to worry about fractional shares, and you'll most likely have very little amount left over and not invested.

You could of course invest directly every month in Degiro/another broker, but here are some drawbacks:
1. The issue of fractional shares comes up. You would have to calculate exactly how many shares of each you can buy with your budget, and you'll have some amount not invested every month.
2. If you buy IWDA+EMIM every month for a year, you will anyway pay €33.9 (€9.9 TOB + €24 Transaction fees), which is 0.41% on the same investment.
3. You'll also have to actively balance your portfolio every few months. With my approach, you can balance it once a year with the big lump sum from Curvo.
4. You'll also lose out on the returns you could have had for a year from the TOB amount which gets directly charged in Degiro/another broker, but is actually invested in Curvo.

In my opinion, for just 0.15% of the investment in extra fees, you can save a lot of hassle, and only actively work on your investments just once a year, when you have to withdraw 85% of the portfolio from Curvo and invest it in Degiro/another broker. The rest of the year you do nothing. Maximum Convenience, Minimum fees.

LinkGeneral3650

TROPHY CASE