u/123vikstar

Hi everyone, I’ll be starting as a self-employed worker in Belgium next year and I’m curious how other freelancers handle investing.
Do you invest yourself or outsource it (financial advisor/wealth manager)? If you invest yourself, what do you mainly use (ETFs, real estate, stocks, pension savings, etc.)?

Also, how would you recommend someone prepares over the next year to start investing on their own? Just trying to understand how self-employed people approach long-term wealth building.

How are you all preparing for retirement?

I assume most of you pay yourselves a relatively small salary and take the rest through dividends, while personally saving and investing for retirement.
What strategy are you using? What are you doing specifically? What kinds of investments are you focusing on?

Curious to hear your views and long-term approach.

People making around €6k–€10k per month in their company after all expenses: how much do you pay yourself, and how much do you leave in the company? Also explain your personal/family situation if relevant. I’m trying to understand what the smartest setup is depending on the situation.