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FIRE Belgium - Personal Finance and Investing

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België
Bruxelles / Brussel
FIRE Belgium - Personal Finance and Investing

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Informations de contact, plan et itinéraire, formulaire de contact, heures d'ouverture, services, évaluations, photos, vidéos et annonces de FIRE Belgium - Personal Finance and Investing, Organisme communautaire, Bruxelles / Brussel.

FIRE Belgium supports people in Belgium in building financial security through a simple method of DIY passive investing in low cost index funds, avoiding high fees paid to banks and financial advisors.

07/10/2026

Freelancer friends, this is for you.
Discover new ways to grow your income and make more of what you earn.

Join the Freelancers in Belgium online finance events on 4 and 11 December.

Learn from experts, discover opportunities you might not be aware of and get clarity on your next financial decision.

Use FIREBELGIUM20 for 20% off. It applies to either individual event or combo ticket.
(I don’t get commissions on this, it’s a gift from Jenny Björklöf to our community)

Early bird prices are available until 17 November.

📌 Learn more and register:
https://entrytickets.be/fibe/finance-events-for-freelancers

➡️ Freelance Investing amp; Income Day | Friday 4 December
Explore ways to manage and grow your money, compare investment options and earn beyond selling only your time.

I’ll be one of the speaker on Dec 4, talking about investing in ETFs as a Belgian freelancer.

➡️ Freelance Tax amp; Optimisation Day | Friday 11 December
Discover opportunities to optimise your finances, with sessions tailored to sole traders and company owners.

Both events take place online, in English, from 09:00 to 17:00 Belgian time.
Recordings will be available.

You can get your ticket here:
https://entrytickets.be/fibe/finance-events-for-freelancers

16/09/2026

There are 2 ways of saving money:

Tactical: Save on small expenses => small results
Structural: Save on big expenses => big results

To save on big expenses, it helps to think about structural changes in your life:

location,
housing,
transportation.

Changing these is harder.

But they’ll lead to much bigger results.

This is what allowed me to double my savings, and reach a 70% saving rate in 2017, and financial independence in 2018.

Small habits matter.

But structural choices change the trajectory.

🔥

PS: Do you know what bull I am riding?

15/09/2026

There is a limit to how much you can cut expenses.

There is no limit to how much value you can create.

Financial freedom has two levers:

Lower expenses.
Higher income.

Reducing waste is useful.

But eventually there is nothing left to remove without damaging your quality of life.

Income growth is harder, but there is virtually no limit.

And this is often linked to the level of value you can deliver to the market:

Focus on solving big problems.
Deliver higher value.
Be good at doing hard stuff.
Help more people.
Do things better, faster, at a larger scale.

And yes you will need to take on difficult challenges, learn new skills, move countries and push the boundaries.

But it is possible.

There is no limit.

🔥

14/09/2026

If you invested the same money in a bank fund and an index fund, which would perform better?

Toon Cuypers, one of the instructors of FIRE Belgium, did a review last week of the main funds of some of the major banks in Belgium and here is what we found out:

Over the past 5 years, bank funds have on average underperformed a simple portfolio of index funds by an average of 1.5% per year!

For defensive funds, the bank funds underperformance was 0.6% on average compared to an equivalent index ETF portfolio;
for balanced funds, 1.7% and
for dynamic funds, 2.3%!

If you have investment funds with a bank and you’re wondering what to do about them, we’d like to invite you to an online event on Monday 14 September at 8.30 PM.

Registration required: Sign up for free here:
https://us02web.zoom.us/meeting/register/OEuBdOWgRtGPPtDFKtORrw

In this session, we will dive deep into all things bank funds and index funds in Belgium.

I hope to see you there!

12/09/2026

Before your next major purchase, ask three questions:

1. What do I actually value here?
2. Can I get the same value for less?
3. How does this compare with the freedom I could buy by investing the money?

Often, we do not value the product itself.

We value the comfort.
The memory.
The time saved.
The status.
The experience with people we love.

Once you identify the real value, you can look for a better way to obtain it.

Sometimes the expensive option is worth it.

Sometimes it is just an expensive substitute for something simpler.

Try the questions next time you’re considering a big purchase.

🔥

11/09/2026

Why you should not invest in bank funds:

If you (still) have investments in bank funds, you would like to check this graphic!

How the bank funds compare to index funds? What is their performance?

Toon did a review last week of the main funds of some of the major banks in Belgium and here is what we found out:

Over the past 5 years, bank funds have on average underperformed a simple portfolio of index funds by an average of 1.5% per year!

For defensive funds, the bank funds underperformance was 0.6% on average compared to an equivalent index ETF portfolio;
for balanced funds, 1.7% and
for dynamic funds, 2.3%!

This is similar to what we found out in last year’s review as well.

So, if you have investment funds with a bank in Belgium, I invite you to join us on Monday 14 of September at 8.30 PM.

Registration required: Sign up for free here.
https://us02web.zoom.us/meeting/register/OEuBdOWgRtGPPtDFKtORrw

In this session, we will dive deep into all things bank funds and index funds in Belgium, analysing real examples from members of our community.

Don't miss this opportunity!

10/09/2026

Do you (still) have investments in bank funds?

Do you know how they compare to index funds?
What is their performance?
Are they worth investing in?

If you have investment funds with a bank and you’re wondering what to do about them, we’d like to invite you to an online event on Monday 14 September at 8.30 PM.

Registration required: Sign up for free here:
https://us02web.zoom.us/meeting/register/OEuBdOWgRtGPPtDFKtORrw

In this session, we will dive deep into all things bank funds and index funds in Belgium.

But it will not be only theory.

We will also analyse real examples… from members of our community!

We’ve done this before and the results were incredible… so sign up and don’t miss this opportunity.

See you soon!

09/09/2026

Cutting expenses has a double effect:

You can invest more today.
And you need less money to become financially independent.

Imagine reducing recurring spending by €500 a month.

That creates €6,000 a year of additional investing capacity.

It also reduces the annual income your future portfolio must support by €6,000.

One decision moves both sides of the equation.

But optimisation is not deprivation.

Cut costs that add little to your life.

Protect the spending that supports your health, relationships and happiness..

🔥

05/09/2026

FIRE is not about saving as much as humanly possible.

It is about buying what matters most to you.

For me, that was time and freedom.

I did not cut every expense.

I chose which expenses improved my life—and which ones were delaying the life I wanted.

That distinction helped me reach financial independence at 33, 8 years ago.

Not deprivation.

Intentional trade-offs.

I would rather own more of my future than a larger house or a newer car.

Your priorities may be different.

That is the point.

What are you willing to spend generously on?

And what are you happy to stop buying?

🔥

04/09/2026

Financial independence is simple: passive income > living expenses.

When the income generated by your assets can sustainably cover your spending, paid work becomes optional.

The equation is simple.

Building both sides is not.

You need productive assets.
You need reasonable expenses.
You need a withdrawal strategy that can survive difficult markets.
And you need room for taxes, inflation and uncertainty.

For me, the solution was diversified ownership of businesses and high-quality bonds through index ETFs.

Simple and effective.

What’s your plan for financial independence?

🔥

PS: IF you’re interested in index ETF investing optimized for Belgium, join us for the free workshops next week: https://firebelgium.com/investingworkshop

Adresse

Brussels

Site Web

http://www.FIREBelgium.com/

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