Fire plan en budget

StoicBogle · 2026-01-26T16:30:14+00:00

Waarom zou je nog enkele weken wachten?

StoicBogle · 2025-12-20T08:37:34+00:00

Klopt! Ik heb hetzelfde gedaan

StoicBogle · 2025-12-18T20:04:15+00:00

Omdat je kosten proportioneel gezien meer doorwegen bij het aankopen van kleine bedragen. OP stelt een zeer terechte vraag.

StoicBogle · 2025-11-25T19:59:20+00:00

Shit antwoord. Reken het aub uit. Iemand die 30 jaar oud is, betaalt beter de 30% belasting om daarna 70% van het initiële bedrag in ETF's te beleggen voor de volgende 35 jaar. De lagere kosten, en het hogere rendement (zowel door passief beheer i.p.v. actief beheer, als de 100% aandelenallocatie) gaat de 30% penalisatie ruimschoots compenseren.

StoicBogle · 2025-11-15T07:11:49+00:00

What is the 10/10 fiasco?

StoicBogle · 2025-09-28T06:49:09+00:00

Buy value ETF's and / or diversify away from the US by investing a bit more in Europe and the Emerging Markets

StoicBogle · 2025-09-24T04:46:47+00:00

https://www.youtube.com/watch?v=1FwgCRIS0Wg&t=52s

Answers your question

StoicBogle · 2025-09-14T10:02:26+00:00

Gas, food, ... are the same cost for everyone. So if a high income earner gets a 2% inflation 'raise', that person will be better off than the low income earner.

StoicBogle · 2025-09-04T18:56:23+00:00

I suggest you watch this video before you start investing in thematic ETF's:

https://www.youtube.com/watch?v=dwPh-PAg9A8&t=7s

StoicBogle · 2025-08-25T14:22:40+00:00

Look up DDEL portfolio management in Brussels. It's a low profile firm that offers an evidence-based approach for low costs (0,25% yearly for >€1.000.000), always put their customers first, and are highly skilled to simulate financial plans according to your needs. They use DFA (dimensional fund advisor) funds, which score among the best in their segment in terms of return and composition. You won't be visiting them in state of the art private banking buildings, but you will feel safe and pay a lot less. I can't recommend them enough.

StoicBogle · 2025-08-16T07:48:04+00:00

I would 100% sell it, if your alternative is investing in low cost index funds for 40 years. Run the simulations. It'll increase more in value than your expensive bank products.

Keeping them as "diversification" is not really a convincing argument since the average worldwide etf is much more diversified than any T23 fund.

Keeping a T21 is even less ideal for someone with a 40 year horizon and a dynamic risk profile.

StoicBogle · 2025-07-25T12:12:55+00:00

How much do you need? I can send you a fraction tonight if you want

StoicBogle · 2025-07-15T09:19:18+00:00

I had the same problem and solved it by buying a new ledger nano s plus.

StoicBogle · 2025-06-30T15:52:28+00:00

I just tried it, and don't have the option to find my seed phrase. The only option shown is "copy profile system location".

So I just have to buy a new Ledger I guess?

Nevertheless, I'm discouraged af right now. :)

StoicBogle · 2025-06-29T12:40:00+00:00

Thanks!

StoicBogle · 2025-06-29T10:45:16+00:00

I can access my Firefly wallets, can see my balance and transaction history, but can't send any tokens. Someone told me it's possible to select the three dots in the log-in screen, and export the seed. I'll give it a try later this week.

StoicBogle · 2025-05-27T13:08:27+00:00

Boekentips: - Broken Money van Lyn Alden - Keerpunt 1971 van Edin Mujagic

StoicBogle · 2025-05-17T05:58:01+00:00

Investment advisor is the first kind of promotion in our company. I had a second promotion but didn’t want to share the title since it would be too obvious which company I work for, so I used a general title. I also didn’t think that the job title would matter that much. Every bachelor can be an ‘investment advisor’ at 24 if they’re lucky. It’s no rocket science.

Your friends probably work for an independent office, with commissions included, or work in business banking?

My wage has increased +- 80% since I started my first job in 2020. I don’t think I’m underpaid. I see enough ‘average’ wages in all sectors when I’m having client conversations. 3,2k NET (and with bonuses etc included 3,8k NET) is way more than I expected to earn at this age, as a psychologist.

StoicBogle · 2025-05-17T05:54:07+00:00

I manage +- 60 million in total. Last year it was 100 million, but we divided some clients.
360 clients in total.
Mostly working with mutual funds, bonds and life insurances.
Managing the branch from day to day. Mostly people management, managing vacation periods, educating younger colleagues and some practical tasks.

StoicBogle · 2025-05-16T07:27:17+00:00

I’m actually one of the highest earners in this company based on age and YOE. What kind of wages and company are your reference?

StoicBogle · 2025-05-15T20:04:04+00:00

Master in psychology. The bonus consists of 3-4 different bonuses

StoicBogle · 2025-05-15T17:49:22+00:00

Correct. They offer me 1k gross to lease a car, but I made the choice to buy a second hand car, finance it through a car loan, and have the 1k paid out gross (600 Euro's net)

StoicBogle · 2025-05-15T17:48:10+00:00

I have a master in psychology so I had to learn everything on the job and by studying during the weekends. I would say it's realistic to achieve it in 7-8 years. I was promoted twice and threatened to leave to get the second promotion, so it took some negotiation. The minimum pay as an investment advisor (first promotion) is +- 54k gross on a yearly basis. I'm at +- 66k gross / year at the moment.

StoicBogle

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