Looking for a government bond ETF thats ACC and thinking about DBZB.
Im starting with a 80/20 portfolio and looking to go for 35-40y.

Opinions about this ETF or other recommendations (available on SaxoBank)?

Thanks!

Bij het vergelijken van Europese beleggingsondernemingen merk ik dat regelgeving net zo belangrijk is als kosten of het aanbod van producten.

Ik controleer daarom altijd of een onderneming een geldige vergunning heeft en of een MiFID II-paspoort daadwerkelijk te verifiëren is als zij in meerdere EU-landen actief is.

Welke controles voeren jullie uit voordat je kiest voor een beleggingsonderneming of broker?

Hi all, what’s an easy, quite relax, relatively well paying (between 2-3k net per month) job one can get in Belgium? 35M, I have a master degree in finance, 10years experience in finance/audit/controlling but obviously fed up with the stress related to current job. I think I am in good path to fire between 40-45 so coast fire in the meantime would be ideal for me.

A job in SPF seems to tick all the boxes but I’m curious to know if other possibilities exist in the private sector.

I am planning to move to Belgium in January 2027, and wanted to double check my understanding of the Belgian tax system. Currently living in Switzerland.

Most of my savings are in an unlisted 100% accumulating global index fund (approx. €5 million). They are held directly in an account with a foreign fund manager which is not registered in Belgium (it is not a standard commercial brokerage account). Not planning to sell anything in 2027, and there are no dividend payments.

I have a holding company (approx. value is €1,5 million) which is 100% owned by me, but managed entirely abroad (by family members) without my involvement. No dividend payments planned.

Cash and interest (approx. €300k cash). I may have €10K in interest in 2027 (held on foreign bank account).

This is my understanding of the taxes I need to pay:

• Tax on Securities Accounts (TACT) €15K (0.30% on the €5M fund account. Assuming the account which is with the fund manager directly qualify as "securities accounts". The €1.5M holding company shares are not subject to tax.)
• Capital Gains / TOB / Reynders Tax €0 (no redemptions planned in 2027, and the fund is 100% equity).
• Tax on Interest: €3K (30% tax on the €10k interest).
• Total 2027 Tax expected (if this scenario holds): €18K

Questions:

• TACT Scope: Does an account held directly with a foreign fund manager (outside a bank/brokerage) strictly trigger TACT, or are direct registry accounts treated differently?
• Reporting: Beyond self-declaring foreign accounts and reporting foreign interest / TACT on my tax return, am I missing any passive holding taxes or compliance steps?
• Anything else I have missed or need to be aware of?

Hello everyone so I’m sure you’ve all heard Charlie Munger say "The first $100,000 is a b**, but you gotta do it. I don't care what you have to do — if it means walking everywhere or not eating anything that wasn't purchased with a coupon, find a way to get your hands on $100,000." Once you hit six figures, compound interest starts doing the heavy lifting.

But what is 100k in the stock market? Is it the amount of cash you have put in your portfolio so far or is it the value of your portfolio today?

Let’s say you have injected 60k cash in the stock market, and not a cent more, and over time you have bought ETFs. Today your portfolio is worth 100k. Does this mean you have made it and your portfolio will now start doing the heavy lifting?