r/BEFinance

Hej Alle, og undskyld for det nok simple spørgsmål.
Men vi overtager hus her 1/8, og jeg kom til at tænke på rentefradrag. Jeg kan se det automatisk bliver oplyst, men først ved årsopgørelsen.

Jeg ville jo gerne have fradrag fra første mnd, så vores netto udbetaling bliver “større” men jeg blev lidt i tvivl hvad præcis der skal skrives.

Vi har 30 års realkredit og banklån, plus bidragsats
I vores papir står det samlede beløb for renter på de 3 nævnte for 30 år.

Er det så eks: realkredit-renteomkostningen / 30 = omkostning , pr.år

Da vi så ejer huset 50 % er det så det halve vi oplyser hver på vores forskudsopgørelse, som rentebeløb.

Håber det giver mening.

Dag allemaal!

Binnenkort ontvang ik een erfenis van om en bij 100k€, en ik ben niet helemaal zeker hoe deze best te beheren met oog op de lange termijn.

Ik ben momenteel 34 jaar, gehuwd, en heb een nieuwbouw woonst waarin mijn partner en ik hopen te blijven. Hiervoor loopt nog een lening, maar er is mij afgeraden van deze lening vroegtijdig af te betalen met (een deel van) dit erfgeld.

Ik ben ook aan het overwegen om actiever te beleggen, maar ken hier niet erg veel van en ben tevens ongerust over de huidige staat van de financiele markt: ik ben er sterk van overtuigd dat er een grote crash komt eens de ROI op AI technologie niet waar te maken blijkt, en dat dit de hele markt neerwaarts zal sleuren zoals in 2008.

Ik heb reeds een door de bank beheerde effectenrekening die nu zo'n 10 jaar loopt, maar deze presteert in mijn ogen ondermaats en ik zie er dus niet het niet van in hier nog meer geld in te stoppen.

Wat nu?

Hi everyone,

This question has probably been asked before, but I thought I'd ask anyway to get some fresh opinions and hear about your personal experiences.

I'm new to investing in ETF ( MSCI World ACWI) and I use Re=Bel from Belfius as broker.
I have a question because, unlike some other brokers, Re=Bel doesn't allow automatic monthly ETF purchases. This means I have to place each order manually, and I pay brokerage fees every time I buy.
I have a budget of €200 per month to invest for the long term.

In your opinion, what's the better strategy?

Invest €200 every month and pay the brokerage fee with each order.

OR

Set aside €200 each month and invest €600 every three months to reduce brokerage fees.

Which strategy do you personally use, and why? Do you think the savings on fees outweigh the fact that part of the money stays uninvested for a few months?
I also have another question: when placing your orders on Re=Bel (or any other broker), do you usually use limit orders or market orders? Why do you prefer one over the other? Have you noticed any real difference in practice?

Thanks in advance for sharing your experience and advice!

Ik had graag toegankelijk advies over op welke manier ik 250k kan investeren.

Mijn eerste idee is een apoartement kopen en verhuren via een immo voor het zo passief mogelijk te maken.

Is dit een goed idee? Zo nee, waarom? En wat is dan een beter alternatief?

I'm curious to hear what you guys would do in my situation.

• M29
• Received 100k and have 100k in personal savings, so 200k in the bank right now
• Currently renting with gf
• I know nothing about investing, but definitly willing to learn
• We don't want kids (so I don't need generational whealth ;))
• I like peace of mind:
  • I want to be able to use my money when I want to, so not having it tied up somewhere for 20 years (don't want to start enjoying my life when I'm in my fifties). Let's say i want to buy a cool car or stop working for a year, I want to be able to do that.
  • I hate loans (I also think that plays a big part in the rising housing prices, because everyone buys with a big loan and then wants al their money back when they sell while the value of the house has actually decreased (old kitchen, plumbing, installations ...) I grew up on the motto "don't buy anything that you can't pay for". Different times though, I know that.

If we would buy a house right now, we would put in 90k each and budget around 450k total. But I also wouldn't mind renting long term and just saving/investing until we could buy something outright.

I do like real estate, either to buy and rent out or renovate and sell. But again, I would only do that without loans, so that I'm not just paying for the interest with the profit.

So basically, what would be a good 10-15 year plan in this case?

Hi!

I use MeDirect and I can nicely find what amount of money was transferred on what dates, but I can't seem to find anywhere the bank number or name of the recipients. In CVS or PDF this doesn't seem the case either.

Does anyone know where I can see this information? Thank you. :)