Blog

All about usufruct and its investment implications

Estate planning is a fundamental aspect of wealth management that deserves particular attention. Among the available legal mechanisms, the division of property into usufruct and bare ownership presents an effective yet often misunderstood strategy. This arrangement allows for optimizing the transfer of assets while retaining certain rights over one’s properties. Let's delve into this concept and its concrete implications for your investments.

Safeguard your assets with a power of attorney outside court

A power of attorney outside court is a legal tool that allows an individual to preemptively designate one or more trusted persons to manage their assets should they become unable to do so themselves. Although relatively straightforward to set up, it enables a seamless financial future planning and is a key component of successful estate planning.

The American Act: a revolutionary vision for the financial future of youth

The United States has taken a decisive step in long-term savings policy with the proposal of the American Birthright Act. This ambitious initiative could drastically change the way Americans build their wealth, while offering valuable insights for Europe and Belgium.

Why Warren Buffett will continue to inspire Easyvest

As he prepares to step down from his role as CEO of Berkshire Hathaway at the end of this year, Buffett leaves behind far more than just an impressive track record. He has shaped an entire way of thinking about investing – long-term, rational, and stripped of unnecessary complexity – that continues to guide our approach at Easyvest.

Where is women’s money? A personal reflection on money and relationships

At Easyvest, we don’t often write in the first person. But for this topic, it seemed necessary. As a woman, as someone in a relationship, and as someone who works in finance, I felt compelled to share my personal reflections on Lucile Quillet’s eye-opening book. I’m convinced it’s not just relevant to women — though many will feel directly concerned — but to anyone who shares their life and finances with a partner.

Investing and risk: one chart says it all

Investing is a lot like sailing: sometimes calm, sometimes rough, but always in motion. If your goal is to grow your wealth, this chart tells you all you need to know at a glance: higher returns come with higher risk. But here's the good news — risk isn’t something to fear. It's something you can manage, soften, and even turn to your advantage with a few smart strategies.

How Bruno achieved an 18% return on his company's cash flow

Easyvest dives into its clients' portfolios to tell real investment stories. Second episode: Bruno, 46, who started investing his company's cash in 2022 and now reaches a 18% return.

Video: the story of the panicked customer

The past few weeks have likely reminded you that investing in the stock market is both exciting and challenging. In this short video, our CEO, Matthieu, shares a real-life episode from the COVID crisis that perfectly illustrates investor psychology—even among seasoned professionals—during turbulent times. The key takeaway? Never panic.

Easyvest challenges private banking with an offer dedicated to large portfolios

Brussels, February 24. Forget about automated management! Easyvest, Belgium’s leading index investing firm, is now competing with private banking through a simple promise: exceptional long-term returns and highly personalized service.

Money Stories: one million euros in 7 years for Anne, 54

Easyvest dives into its clients' portfolios to tell real investment stories. First episode: Anne, 54, who invested €10.000 in 2017 and who, thanks to her constant investment efforts, now finds herself at the head of capital of more than a million euros.

Meet Yvan, our new Wealth Manager

Yvan Bienfait, 31 years old. Home: Brussels. Job title: Wealth Manager.

Financial donation in Belgium: 3 ways to proceed

Financial donations are a common practice in Belgium, whether to transfer wealth or support loved ones. But how can you complete this process legally while optimizing tax implications? In this article, we explore three methods to help you choose the best solution for your situation.

How the protestant legacy shaped American capitalism

Donald Trump's inauguration, marked by his famous slogan Make America Great Again, highlighted a strongly nationalist and ultra-capitalist vision of the United States. Behind this ambition lies a deep-rooted legacy: Protestant ethics, a culture of individualism, and unwavering confidence in financial markets. Does this heritage explain the United States' dominance in global financial markets?

In 2024, ETFs delivered better market growth capture than active management

More than ever, the index investing strategy advocated by Easyvest stands out. In 2024, a year marked by remarkable market growth, ETFs enabled investors to achieve returns that often significantly outperformed those offered by traditional Belgian active management. Over the long term, index investing consistently ranks at the top of our comparative analysis.

2024: A year heading in one direction - the right one!

The year 2024 was undoubtedly a stellar year for the stock market. With global equities growing by +24,2%, investors enjoyed a highly favorable environment, despite some geopolitical and macroeconomic turbulence. Here's a look back at the key events that shaped this remarkable performance.

Private banking in Belgium: why do investors remain loyal to traditional players?

The private banking sector in Belgium is dominated by traditional players, despite a constantly evolving market. According to a recent study published by De Tijd, traditional banks and private banking institutions collectively manage nearly 92% of the €500 billion in assets in Belgium. Yet, the performance of these institutions does not always live up to their reputation.

A million euros in savings, an accessible dream?

Easyvest has published the results of its major 2024 survey on "Money and Happiness." The findings reveal that the median net wealth of Belgian households is €440.000, while their ideal level of wealth is €1.000.000. At what pace can you save what’s missing to reach financial happiness? We’ve run the numbers across various scenarios.

Active ETFs, passive ETFs, index funds, traditional funds: what are the differences?

For a long time, ETFs have been synonymous with passive investing, offering low-cost management aligned with market indices. However, their growing popularity has led to the emergence of subcategories and translations that often confuse investors. What’s the difference between a tracker and an index fund? Between an active ETF and a passive ETF? Between an active ETF and a traditional active fund?

No matter who wins the election, markets continue to rise

American elections are always synonymous with great emotion. In society, in the media and in the markets, which hate uncertainty. But does the outcome of the vote ultimately have an impact on the markets? History suggests otherwise. Despite the stakes of US presidential election, long-term investors are better off staying invested, regardless of the outcome.

What scares investors the most: 5 common fears

Investing can be a source of prosperity, but also anxiety. These fears sometimes prevent even the most experienced investors from making rational decisions. In this article, we explore the most common fears among investors, and more importantly, how to overcome them... in order to stay focused on long-term financial goals.

Patience is your best asset

Just like Roger Federer only won 54% of his points but 80% of his matches, long-term investors don’t need to win every trade. Instead, consistent strategies and the ability to wait out volatility often lead to success.

Belfius Insurance and the Belgian sovereign fund set to invest €13M in Easyvest to improve pension planning for Belgians

The Belgian fintech, which announced in July the creation of a pension fund aimed at enhancing supplementary pensions for employees, has closed a significant fundraising round with two key partners for pensions in Belgium: Belfius Insurance and the Belgian state itself, through SFPIM.

What is the price of happiness in Belgium?

Last May, Easyvest launched a national survey titled "Does money make Belgians happy?" Nearly 1.600 responses were collected from across the country. The results of this survey provide a unique map of the financial aspirations of Belgians.

Stock market dinosaurs aren’t safe from a meteor. But your portfolio can be!

The top 10 largest companies in the world by market capitalization won't hold their positions forever. Leaders change over time as innovation and competition reshape market dynamics. But thanks to ETFs, your portfolio can stay in the game – and at a lower cost.

Invest to minimize future regrets

In 1994, Jeff Bezos used a simple method to make a life-changing decision: leaving a well-paid job to found Amazon. This method, or rather this mindset, known as the "Regret Minimization Framework", is a powerful tool for making financial decisions and can be applied to investing.

"You can neither beat the market nor extract yourself from it"

A key figure in French-speaking media on economic and monetary matters, former CEO of Degroof Bank, ex-partner at consulting firm Roland Berger, former president of the Brussels Stock Exchange, and author of dozens of books, Bruno Colmant gives Easyvest an unfiltered interview.

Easyvest launches pension fund to challenge group insurance in Belgium

Brussels, 20th of July, 2024. Easyvest, the leading fintech in index investing in Belgium, announces the creation of the Easyvest Pension Fund, a unique multi-employer pension fund in the Belgian landscape. The goal: to revolutionize the second pillar pension for employees, dominated by so-called "group insurance" contracts, by offering both better return prospects and better service.

The state bond: a risk-free product, really?

State bonds are often perceived as risk-free investments, ensuring the security of the invested capital. This perception is reinforced by the confidence investors place in the government's ability to honor its debts. However, this idyllic vision overlooks several inherent risks associated with this type of investment. As the Belgian one-year state bond matures and 22 billion euros will soon need to find a new placement, let's explore the riskier facets of state bonds.

Investing at historic highs: should you be worried?

When markets reach historic highs, the idea of investing can seem risky. Paying a price no one has ever paid before? Not me! However, the perceived "risk" isn't actually that high. Here’s why.

Investing with your company: everything you need to know about the LEI code

In the financial world, LEI codes are essential for transparency and traceability in transactions. Whether you're looking to invest your company's excess liquidity or are simply curious, this article will explain everything you need to know about LEI codes.

What are the alternatives for the 2023 Belgian government bond?

Belgium successfully carried out a financing operation in September 2023, which enabled it to raise 22 billion euros through the issue of a 1-year state bond. As this bond just reached maturity, let's take stock of its performance and the alternatives available to the 630.000 investors looking for a new investment.

What to invest in to generate stable long-term income?

The ultimate goal of an investor is typically to one day reap the rewards of their efforts by earning a steady income from patiently accumulated assets. But how can one build this income stream sustainably, meaning without excessive costs and without depleting their capital too quickly?

Exploring Easyvest's climate portfolio

Easyvest offers the opportunity to invest in a "climate portfolio," guided by preferences for climate sustainability. While our default recommendation is a "global portfolio," unrestricted, here we explain what the climate portfolio entails and outline factors to consider in assessing its suitability for your investment goals and risk profile.

Estate planning: pay attention to the reserved portion of the inheritance

In Belgian inheritance law, the reserved portion is a fundamental concept that determines the rights of legal heirs. It guarantees special protection to certain members of the deceased's family, ensuring they receive a minimum share of the inheritance. Understanding the reserved portion and its implications is essential for anyone considering estate planning or seeking to understand their rights as an heir.

How to become a millionaire through market investment

Are you wondering how to become a millionaire and secure one million euros through market investment? It's a dream many have, and with the right approach, it's achievable. In this blog, we'll delve into calculating the monthly savings required to become a millionaire in 10, 20, 30, or 40 years.

Pension savings payment: what options for your capital?

In Belgium, pension savings, also known as the third pillar of pensions, allows individuals to build up supplementary retirement savings individually. This tax-advantaged formula is widely used. But what to do once the time comes to access this capital? Leave it with the institution where the contract was signed or, on the contrary, liquidate the contract to reinvest this amount elsewhere more effectively?

Why regular profit taking is a not such a good idea

Some of you may be asking yourself this question: wouldn't I be better off regularly materializing my profit to “secure” the return in the long term? Quite intuitively, this strategy could be counterproductive in the broader perspective of building wealth and securing a stable financial future. Explanations and numerical example in this blog.

In 2023, investors took advantage of the market rebound thanks to ETFs

Index-based approaches have empowered investors to capitalize on the market rebound. This is the key takeaway from our performance analysis conducted at the end of August 2023, which once again positions Easyvest's recommended index strategy at the top of the rankings.

2023, a hectic year ending with a great rally

After a year of ups and downs on financial markets, 2023 ended with very good return, both for stocks and bonds. The reason? A welcome drop in pressure on several dimensions: inflation is finally starting to decline and financial markets anticipate central banks to make rate cuts during 2024. Let's look back at the significant events of 2023 and this magnificent end-of-year rally which led to a total return of +16,6% for stocks and of +6,3% for bonds.

How much should you save per month for an ideal pension?

4,600 Belgians have utilized Easyvest's pension planner to assess their retirement incomes and measure the effort required to achieve their goals. Conclusion: half of them now have to put aside at least €223 each month to retire comfortably. What about you?

Global stocks show remarkable +16,6% growth in 2023

While 2022 ended with a decline of -12.5%, 2023 concludes with a bang in the stock markets. This is not only good news for investors but also serves as a reminder that stocks remain an indispensable component of a long-term investment portfolio.

90% of portfolios audited by Easyvest had poor returns for excessively high fees

Since its establishment in 2016, Easyvest has been offering potential clients an audit of their existing portfolio. The goal? Compare the fees and performance to an equivalent index portfolio in terms of risk, as proposed by Easyvest. Out of the 110 audits conducted in 2023, it appears that the annual performance of Easyvest's index approach is on average 2% higher than that of other players.

Your financial checklist for 2024

Time to make those New Year's resolutions! As the stock market just wrapped up the year with an incredible +17%, here's a concise list of actions to enhance your financial well-being in 2024.

Investment insights from a simple coin toss

Nothing is easier to understand than a game of heads or tails: a bet in its most basic form. But behind this apparent simplicity lie numerous concepts and mechanisms that can help us better understand investment. Ready to bet? Let's see if you can come out on top!

The Definitively Taxed Income (DTI) regime: not such a good idea

In Belgium, capital gains on stocks are not taxed for individuals but are indeed subject to taxation for companies. To bypass this hurdle, the Definitively Taxed Income regime (RDT in French, DBI in Dutch) allows businesses, under specific conditions, to avoid taxes on investment incomes – meaning dividends and potential capital gains. However, while this concept may seem appealing, its practical implications tell a different story. Let's dive into the details.

ETFs vs. Branch 23: which is the better investment option?

In Belgium, insurers often advertise Branch 23 (also called Class 23 or unit-linked insurance) as an interesting long-term investment for savers and investors. No withholding tax or stock exchange tax – what a boon! But don't rush headlong into it: the entry and management fees associated with this type of product are generally substantial, making Branch 23 far less attractive than it may seem. Let's dive into the numbers in this blog!

The Bel 20 is good but the global market is better

If you're interested in investing and financial markets, you've probably heard of Belgium's benchmark stock index, the Bel 20. But what exactly is the Bel 20 index? What significance does it hold for investors? Do Belgians tend to overestimate its importance?

For a century, stocks have returned nearly 100x more than government bonds

Now that the Belgian bond issued in 2023 has expired, a study published by the New York University stands out. The latter, which compares the returns of several asset classes between 1928 and 2022, highlights a colossal yield gap between equities and government bonds. A glimmer of hope for savers who had subscribed to the Belgian public loan: it might be a good moment to implement a more effective long-term strategy!

The liquidation reserve, a good idea for taking cash out of your company

The liquidation reserve is, under certain conditions, a tax-efficient solution for taking money out of your company. Moreover, nothing prevents you from investing it! To make the most of this scheme, it is nevertheless necessary to be well informed about the rules in force. In this blog, you will also find a free tool allowing you to simulate your personal situation.

"We must return to the original spirit of the investor"

What exactly is an “investor”? Technician or good father? A casino player or an entrepreneur? Discussion with Luc de Brabandere, corporate philosopher and fellow of the BCG Henderson Institute.

Will your money soon be managed by an AI?

A few weeks ago, our CEO and co-founder Matthieu answered questions from the newspaper Le Soir on the influence of artificial intelligence on wealth management. Here are the best bits for those who missed the print edition.

Why our brain is not made for long-term investment

Interview with Laurent Hermoye, CEO of Imagilys, a Belgian company specializing in brain imaging.

Investing in the stock market is like wanting to win the Tour de France

Long-term investing can in many ways be compared to high-level sport. Given the summer period, we risk a little seasonal comparison: investment and cycling!

Investing in your 70s: optimize your estate

You are enjoying your retirement and you may have inherited. At this stage, you are not so concerned about the allocation of your portfolio as about the best way to pass on your wealth to your heirs. It's time to prepare your estate to optimize it from a tax perspective.

What are the best robo-advisors in Belgium in 2025?

The first robo-advisor to launch in Belgium in 2016, Easyvest has since been followed by others. In complete transparency, we share here an in-depth analysis of the different robo-advisors in Belgium, a simple and effective solution for beginners and experienced investors.

5 bad reasons to stay with your private banker

The digitization of retail banks has made switching from one provider to another quite easy. But when it comes to private banking, the step is even more difficult to take. Why so much friction? What are the factors, often purely psychological, that prevent us from moving from one wealth manager to another? Why is financial return not the main decision criterion?

Easyvest, Belgian leader in index investing, raises €3,1M

Brussels, June 17, 2023. Easyvest, specialized in index investing since 2016, raises €3,1 million to offer an even more personalized service, meeting the needs of an increasingly demanding clientele.

Meet Michel from Easyvest

Michel Ulaj, 30 years old. Home: Vilvoorde. Title: Wealth Manager.

Meet Géraud from Easyvest

Géraud Missonnier, 38 years old. Home: Uccle. Title: Wealth Manager.

Investing in your 60s: structuring your capital to take advantage of it

To take advantage of these golden years of retirement, you must invest the capital accumulated during your professional career wisely.

Investing in your 40s: destination pension

In your forties, at the height of your professional career, you may have already bought and partly paid off your house or apartment… What’s next? Well, you could have thought of this earlier, but it's high time to worry about your pension.

How well are your financial assets protected?

The failure of Silicon Valley Bank shook the global banking industry and financial markets. Following the bankruptcy, Credit Suisse was acquired by UBS in a quick bailout. Even if since 2008, banking regulation has been extremely strict in Europe, what protection do your deposits and financial assets actually benefit from? What about your easyvest accounts?

Your neighbour could be an easyvest client

Launched in Brussels in 2016, easyvest keeps the reputation of being “very Brussels”. But after 7 years of existence, it is clear that our customers come from all over Belgium (and beyond!). The number of portfolios opened in Flanders is almost equal to the sum of those opened in Brussels and Wallonia...

Investing in your 20s: plan major purchases

The twenties, probably a first job and the first financial income… Even if this period is generally more conducive to spending than to investing, it is already possible, at this stage, to lay the foundations for good financial management.

What is the impact of the bankruptcy of Silicon Valley Bank (SVB) on easyvest customers?

Global stock markets have fallen over the last days, erasing part of the rise recorded since the beginning of the year. At the origin of this sudden drop, the declaration of insolvency of an American bank, the Silicon Valley Bank (SVB).

Invest when you are 1 year old: 18 years to build up a nice starting capital

Of course, you will not decide yourself to invest from an early age. But if you are a parent, ask yourself the question for your children! The “youth savings account”, in addition to having gone out of fashion, does not bring in anything… With an investment horizon of around twenty years, why not invest your children’s savings in shares?

Easyvest is once again “Best in Test” Testachats for robo-advisors

The magazine dedicated to consumer protection had already awarded this label to Easyvest in 2021 and 2023. Like our investments, our performance is confirmed over the long term: Easyvest is for the third time in a row "Best in Test" Testachats for robo-advisors in 2025!

How to best invest according to your age

We do not invest in the same way, nor with the same objectives, at 1 year (!) and at 75 years. To help you with your financial planning, easyvest offers a series of blogs on smart investing at 1, 25, 40, 65 and 75. In this introductory episode, you will see which priorities will be worked out for each age category.

How to best invest your group insurance?

For many future retirees, group insurance is both a tranquilizer and anxiolytic: being able to count on this additional pension is a chance, but will it be enough? How to invest it to obtain the most comfortable annuity without taking reckless risks? Easyvest helps you develop the most rational strategy possible.

Despite a sluggish 2022 on the markets, the index approach remains efficient in the long term

The year 2022 will not be a good memory for the investor. The results for the year are clear: -12,5% on the world stock market, due to a combination of unfavorable economic and geopolitical factors. But in this gloomy context, the index approach continues to stand out. It remains the most efficient approach in the long term and constitutes, for portfolios with a strong equity component, an excellent option even in times of crisis.

2022, a hectic but not catastrophic year

Looking back, we can say that 2022 was a hectic year which, in many ways, was reminiscent of the 1970s: geopolitical tension, energy crisis, galloping inflation, rising rates. But despite these pressures on the financial markets, 2022 was ultimately not a catastrophic year on the stock market. Let's look back on the past year to better understand the year to come.

What happens if you miss the best trading days?

The investor who tries to “market timing”, i.e. to anticipate the best time to invest or divest, runs a very high risk of missing the biggest market rises. It's very simple: over the past 20 years, anyone who missed the 20 best days on the stock market would have lost ¾ of its potential return !

How to make a financial donation to your children?

You have sold a property and you want to give the money to your children? You want to hand over a stock portfolio to them? Donating is the official way to do this. In Belgium, donation is subject to payment of reduced duties – significantly lower than inheritance taxes. If the donation is made in a direct line, from parents to children for example, it is not always necessary to get it notarized.

Pension savings: necessary but not sufficient

Pension savings is the “must have” product according to your banker. All you have to do is fill in your annual envelope, get the resulting tax advantage, and you will benefit from a nice pension supplement when the time comes. Although it is an essential part of the Belgian saver's arsenal, pension savings cannot in any way be considered a panacea for the future pensioner. Here's why.

5 tips to avoid selling your stocks at a bad time

Bad times in the stock market are inevitable. As an investor, you will experience highs and lows. However, as difficult as it may be, it is important to stick to your investment plan and avoid selling your stocks during a downturn. Why? Because market timing is difficult, if not impossible, to do successfully and trying to time the market often results in missing out on the rebound when it happens.

How fast can you save 200.000€?

To be able to generate an annuity of 1.000€/month for 20 years, you must have accumulated 200.000€. How soon do you think you can get there? Easyvest analyzes several possible scenarios.

What is a recession and how do you deal with it?

The specter of recession haunts our news wires, our newspapers and our televisions. Specter is the word: the thing frightens at the same time as it is elusive. But recessions have always existed, and markets have almost always anticipated them. Armed with this experience, the investor can, if not protect himself against it, at least face the situation with composure.

How much to invest to make 1.000€/month?

Your legal and supplementary pensions will probably not be enough to maintain your lifestyle once you retire. But how much do you need to accumulate to be able to increase your future pension by 1.000€ per month? Easyvest did the math for you.

Easyvest wants to improve the Belgian pension with its new pension planner

Brussels, September 15, 2022. It had been in the cards for over a year. The ambition of easyvest, a Brussels fintech specializing in passive investment, is now materializing: its pension planner, downloaded more than 1000 times over a single weekend, encourages Belgians to act now to improve their pension.

Why are stock market indexes expressed in points?

“The S&P 500 closes at 3.800 points”, this is a well-known end of radio news. But what exactly do these “points” represent? Short lesson of stock indices.

Stories of crises and recoveries: the Greek debt crisis

Weakened by the global economic crisis of 2008, Greece finds itself in a very difficult situation with high debt and a high budget deficit, which is contrary to the principles advocated by the European Union of which Greece is a member. A “debt crisis” followed which shook the markets… and very nearly caused the Union to explode.

Stories of crises and recoveries: the Gulf War

On the night of August 2, 1990, Iraqi tanks invaded Kuwait, leading to a sharp rise in oil prices and a crash in financial markets. An armed conflict followed between Iraq and a coalition of 35 countries including Belgium, led by the United States. Against all expectations, this third world war only had a limited impact on the markets.

Stories of crises and recoveries: Black Monday

On Monday, October 19, 1987, investors around the world watched with horror as the markets collapsed by more than 20%, first in Asia, then in Europe and finally in the United States. A panic attack caused by a combination of anxiety-provoking events that was extremely violent…but fortunately of fairly short duration.

Stories of crises and recoveries: the tulip crisis

The tulip crisis is considered to be one of the first documented speculative bubbles. Despite the doubts that remain about the true consequences of the event, it is nevertheless very instructive on the principles at work in this type of case: very rare product, growing demand, soaring prices… then collapse.

Despite the market downturn in 2022, the index approach has remained efficient

After a first half marked by a general decline in the markets, the index approach continues to show superior performance to that of the other Belgian players analyzed for aggressive risk profiles. Passive management once again demonstrates its relevance, including in a bearish context. In the long term, it seems unbeatable.

Can you lose everything in the stock market?

This is what puts off most of those who are reluctant to invest in the stock market: the risk of losing everything. It would be wrong to say that this risk does not exist. But how likely is it to materialize? Are there safeguards or, on the contrary, particularly dangerous behaviors? Let’s recap.

What is rebalancing and why is it necessary?

When you create an investment portfolio, your risk profile and your financial goals determine the asset allocation within your portfolio – basically, the stock/bond mix. Over time, the performance gap of each asset class can create an imbalance with respect to the initial allocation. Rebalancing will therefore be necessary.

The advantages of “dollar-cost averaging” or staggered investments

When is the best time to invest? If you are afraid of doing the wrong move at the wrong time, you may be tempted to stagger your investment over time: this is called in the US “dollar-cost averaging”. This strategy, applicable anywhere in the world, can even become a recurring method of investment.

Stocks or bonds : how to find the perfect combination

Stocks and bonds are arguably the two best-known asset classes in the investment world. The best known… but not always the most mastered. Moreover, the recent announcements of rate hikes by the central bank are not without effect on the relative attractiveness of these two financial products. Once and for all, let's compare stocks and bonds to avoid confusion.

How to invest in the US stock market?

Through a cognitive phenomenon known as “home bias” or national preference, investors often tend to invest in stocks from their own country. But foreign markets are not without merit. In particular the American stock market is a must-have for Belgian investors. How to take your first steps there?

By becoming a portfolio management company, easyvest is shaking up the Belgian financial sector

Brussels, April 28, 2022. It hasn't happened for six years. Since March 28, Belgium counts a new portfolio management company: easyvest. That a young company manages to endorse the regulatory weight imposed on this type of actor is already an exceptional fact. How it got there – through industry-first technological advancements – is another.

5 tips to invest an inheritance

You have just inherited a substantial sum of money. You want to invest it, but how? Here are some common sense rules for investing the money from an inheritance as wisely as possible.

What is Russia's weight in the global stock market?

The conflict in Ukraine is raging on Europe's doorstep, forcing millions of people to flee the fighting. In order to push Russia to end the conflict, the West is paralyzing its economy with sanctions. Curiously, the markets are resisting this major geopolitical crisis rather well. Let us look at Russia's place on the world financial chessboard to better understand the rather soft reaction to such a terrible conflict.

Would you rather save or invest for your child?

Gone are the days of the super-advantageous “young savings account” offered by most of the major Belgian banks. For 15 years, the interest rates offered on savings accounts have been so low that the formula has completely lost its appeal. But why not rather invest for your child? The gift, in the end, will certainly be more generous.

Meet Antoine from easyvest

Antoine Bouvy, 42 years old. Home: Tervuren. Title: Chief Marketing Officer.

ETFs or real estate: which is the better investment?

Belgians have always been fans of real estate. Since childhood, they have been told that real estate is the best investment for their money. But with mortgage rates rising – currently around 4% for a 20-year fixed rate loan – does this statement still hold water? Easyvest compared the return of an ETF investment and a real estate investment. Download our free model to create your own yield simulation!

The index approach has been unbeatable since 2012 in Belgium

The index approach has shown better performance than that offered by the majority of other players in Belgium since 2012, for comparable risk profiles and for all investment horizons between 1 and 10 years. In the case of an asset allocation predominantly in equities, the index approach would have generated over 10 years an average annual return net of fees of 10,9%, which is higher than all comparable investment solutions considered.

Joint financial goal = joint investment account

A third of the accounts opened with easyvest are joint accounts, generally between partners. A possibility rarely offered for online securities accounts… which nevertheless allows both members of the couple to get involved in the quest for a certain “financial happiness”.

Investing my company's cash, a good idea?

Many companies have dormant cash, for tax or simply operational reasons, which yields almost nothing – or even worse, which depreciates by being invested at a rate lower than inflation. Is it wise to invest this cash, e.g. in ETFs? How to proceed ? Explanations in this blog.

December: gifts for children, tax reductions for adults

Do you see the arrival of December and its usual share of expenses with concern? Bad news: in addition to the tree and gifts, it would be wise to save a little budget to spend on your pension products. Good news: these "expenses" will constitute a very useful supplementary pension in a few years, and are also tax deductible! You have a few days left to pack it all up.

Is your money safe with easyvest?

Whether you are a first-time client or new to the easyvest community, you may be wondering how we keep our clients' money safe. Answer in 5 points.

What will happen to my bank accounts when I die?

When a death occurs, the financial institution freezes the accounts of the deceased - and of his spouse in the event of a community of property regime - while waiting to be able to designate with certainty his heirs. To avoid the inconvenience this situation causes to your loved ones and, above all, to prevent it from continuing, take the initiative!

Group insurance: is the guaranteed return a poisonous gift?

In Belgium, group insurance, this form of pension savings taken out by an employer for its employees, is subject to a guaranteed return rule which currently stands at 1,75%. Good or bad thing?

Are you an active or a passive investor?

Easyvest specializes in passive investing. Yes, you know, but is "passive investing" really no longer a secret to you? What makes the active investor different from the passive investor? Today, we dot the i's and cross the t's on the topic.

Your will: why and how to write it now

The word "will" refers to a chapter in its existence that one would like to postpone as far as possible. Yet, it's never too early to write a will! Getting into it with full knowledge of the facts and in full possession of your means is to maximize the chances of a peaceful succession for your loved ones. Explanations and advice in this blog.

Price return VS total return : don't get confused !

"The BEL 20 is back to where it was 6 months ago." This is a sentence commonly written or uttered in the media. But what "level" are we talking about exactly? In the case of the BEL 20, it is usually a price return, measuring the appreciation or depreciation of the market value of the stocks composing the index. This does not take into account any dividends paid out (and reinvested), which are actually part of the total return of the portfolio.

The index approach offers the best performance since 2012

The index approach has shown better performance than that offered by the majority of other players in Belgium since 2012, for comparable risk profiles. In the case of an asset allocation predominantly in equities, the index approach would have generated over 10 years an average annual return net of fees of 10,7%, higher than all comparable investment solutions considered.

The pacte adjoint, the key to a successful financial donation

It is possible to make a donation without going before a notary and still retain partial enjoyment of your assets. All you have to do is set up a “pacte adjoint” or side agreement. Explanations and a free downloadable model in this blog!

Confirmation bias: no time for contradiction

“Investing in the stock market is too risky." How many times have you been told the story of Uncle Robert who lost everything on a foolish stock market bet? Subconsciously, your research on the subject only tends to confirm this hypothesis; you will never take the plunge. Confirmation bias prevents you from thinking rationally about the stock market and admitting that, over the long term and with a diversified portfolio, it is probably your best source of return.

Meet Jim from easyvest

Jim Stockman, 23 years old. Home: Braine-l’Alleud. Title: Full Stack Developer.

Representativeness bias: beware of misleading associations

I invested in ArgenX, a biotech which tripled its value in one year. As Celyad is also a listed European biotech, I guess it could give me a return of around + 200% quickly. This is an example of the representativeness bias: the tendency to generalize from a few elements or particular cases.

Meet Pierre from easyvest

Pierre Vanobbergen, 23 years old. Home: Brussels. Title: Full Stack Developer.

Anchoring bias: don't get stuck with a fixed idea

You see a €50 T-shirt in a department, and a few minutes later another at €35. Good deal, it’s really cheap! Still, if you had seen the €35 T-shirt in the first place, you might not have found it so cheap. The anchor - the first price observed - undoubtedly swayed your opinion.

Home bias: the fear of the unknown

Buy Colruyt shares rather than Walmart. Solvay rather than Celanese. UCB rather than Pfizer. This is a usual investment reflex, often irrational, called "home bias". Are you subject to this little quirk? What consequences can this have on your portfolio?

Meet Vincent from easyvest

Vincent Veerman, 32 years old. Residence: Brussels. Title: Actuary.

Cognitive biases: when irrationality guides our investments

In 1970, economist and later Nobel Prize winner Eugene Fama introduced the “efficient financial markets” theory, based on two main assumptions: the rational behavior of agents and perfect information. However, whether in their relationships, preferences or purchases, humans are often unpredictable ... even irrational. This was demonstrated 30 years later by another Nobel Prize winner, Daniel Kahneman, through his in-depth study of "cognitive biases". Easyvest is devoting its first "summer series" to it.

Meet Charles from easyvest

Charles de Brabandere, 35 years old, 2 children. Home: Brussels. Title: Chief Technology Officer.

Inflation is back: what consequences for your money?

As the world appears to be slowly recovering from the COVID-19 crisis, the specter of inflation hangs over developed economies. Should we be worried? A look back at a phenomenon whose name is often better known than its implications.

Meet Andrés from easyvest

Andrés Jorge Buysse, 33. Home: Ghent. Title: Customer Success Manager.

How to build product/market fit for a B2C fintech?

For any start-up, it sounds like the quest for the Holy Grail. And the road ahead is anything but straight. Inspired by other entrepreneurs, we have succeeded in implementing a relatively simple method to assess and hopefully maintain our product/market fit. Here are the main lessons learned from this exercise.

Behind easyvest : take a backstage tour

Become an expert on trackers, stocks, bonds, financial markets strategies : this is obviously what we wish for all (future) Easyvest clients. But not only ! With Behind Easyvest, we take you elsewhere, behind the scenes of our business, which is much more than just financial. Here is the reason for this initiative.

Meet John from easyvest

John Makowski, 35, two children. Home : Genappe. Title : Head of Product Design.

Meet Quentin from easyvest

Quentin Petit, 34 years old. Home : Brussels. Title : Head of Legal.

Sustainable investment, ESG, SRI : what are we talking about?

Climate Walks, Joe Biden’s stance against his predecessor: sustainability is no longer a fad, but a new global paradigm. Finance is not excluded from this movement, and many of you share your concerns with us on the subject. While Europe has just positioned itself, it seemed appropriate to clarify the very notion of sustainable investment, which is subject to multiple interpretations.

Meet Camille from easyvest

Camille Van Vyve, 37, married, 3 children. Home: Mexico City. Title: Content Strategist.

Are women better investors than men?

Women represent 31% of Easyvest investors. But they invest on average 30% more money than men and for a period 4 times longer. Coincidence or a reflection of a deeper behavioral difference? The finding was striking enough to make us want to know more.

Bonds, an essential ingredient of a balanced portfolio

Bonds are often considered the simplest and most accessible investment product. By analogy to Maslow's pyramid of needs, if a "pyramid of investments" were to be established, bonds would undoubtedly constitute a form of primary need: a prerequisite for any other form of investment.

easyvest raises 3 million euros to become the European leader in PensionTech

Brussels, February 25, 2021. Easyvest, a Brussels scale-up specialist in online investment, announces a capital increase of 3 million euros to accelerate its growth and transform the way Belgians plan their pensions.

Your legal pension is threatened: here is why

The legal pension is an essential source of income, which ensures that a retiree receives 60% of his working remuneration. However, this ratio could drop to 40% as demographics put pressure on our pension system. Under these conditions, constituting a supplementary personal pension is a necessity.

How does the belgian pension system work?

Since Roman times, states have sought to provide income to their retirees through a “pension system”. Currently, in Belgium, pension income comes from 4 pillars: legal, occupational, personal, and other savings. This complex system is at the heart of the financial challenges faced by every saver. Figuring out exactly how much income you will have in retirement is a question that requires careful planning, as well as the right advice and tools.

What is pension planning and how to start?

Worker or retiree, pension concerns us all whether it is to accumulate a pension capital, or to receive a retirement income out of this capital. It is a long-term activity spanning over 60 years and consisting of two phases: accumulation and distribution. Saving early and frequently through performant and tax-efficient investment vehicles is necessary to overcome the shortcomings of the statutory pension and the traditional savings account. Whatever your situation, running a simulation with our dedicated pension planning tool is the best way to start.

A brief history of crises

Financial crises are times of high uncertainty that can cause stress and questioning for any investor. What will be its depth and duration? Will the market rebound? Should I liquidate my portfolio? Looking at the history of financial markets and analyzing past crises can tell us a lot about the behavior of crises and help us adopt the right attitude when the time comes.

What is an ETF or "tracker"?

A tracker or index fund is an investment fund of which the strategy is to replicate or “track” the performance of a financial index. It differs from traditional investment funds in its passive approach that drastically reduces costs and avoids investment managers’ mistakes. Most trackers can be bought on a stock exchange all day long. These are referred to as Exchange Traded Funds or ETFs.

1% less in fees could mean 500.000€ savings in 40 years

When investing, the impact of fees on returns is often neglected, overshadowed by the promises of great performance made by financial advisors. While it is normal to pay to be advised and to invest, applicable rates in Belgium can be inflated by a factor 5 for similar investments. Expressed as a percentage, fees may seem irrelevant. A 1% increase has nevertheless a significant impact on the long-term value of your investment portfolio.

What is exactly a financial index?

"The S&P 500 is at its all-time high", "the BEL 20 reaches 4,000 points", "the Nikkei 225 loses 20% after Fukushima" ... Behind these Breaking News lies the notion of index, a central concept in finance which highlights a financial trend at a glance. In a nutshell, an index is a financial measure that allows an investor to swiftly evaluate the performance of a defined set of financial instruments. It generally covers a stock exchange, a geographical area or a given sector. If the financial assets considered are most often equities, there are also bond and derivatives indices.

5 ways to act smartly when the market drops

Global stock markets appreciate steadily over the long term, it is an undeniable historical fact. That being said, a crisis will most certainly pop up sooner or later and temporarily halt the uptrend. Unfortunately, this is the limit of our ability to predict the future, and let’s be honest, no one can formally predict the timing of the next downturn, neither its duration or its magnitude.

2017, a regular and quiet financial year

2017 was a normal financial year, rather quiet actually. In Easyvest's portfolios, global equities rose by 8% while sovereign bonds in the euro area remained stable. Let's come back on some key elements that shaped this financial year.

The best investor in the world has not beaten the market for 15 years

Warren Buffet, arguably the best active investors of all time, has been praising passive investing recently. Why on earth would such an icon of Wall Street shot himself in the foot? Some critics will claim he is getting senile. Lucid people will however realize that he is simply being honest, acknowledging that even him has not managed to beat the market for the last 15 years.

Unlike trees, markets go up to heaven

When financial markets reach historical highs, it is human to think twice before investing, or even considering selling everything to take a profit. Our poorly wired brain persuades us that it will not go higher and that a drop is more than likely. Our intuitions are, however, misleading.

2016, a good and typical financial year in the end

2016 was a good and typical financial year in the end. In our Easyvest portfolios, world stocks rose by 12% while European bonds gained 3%. Yet, the year had begun very badly and was marked by several events with potentially devastating outcomes. Let us review the sinuous course of a normal financial year.

What makes a good financier?

Sugar, almonds and above all butter! These are the 3 main ingredients of a good financier. For once, Easyvest offers you a lighter post than our usual financial topics. Discover the origin and the recipe of a delicious cake in the shape of a gold bullion dedicated to investors. Impress your guests with our delicious recipe!

What is the European government bond market ?

A government bond is a debt security issued by a sovereign State. For an individual who lives in a eurozone country, European bonds are probably the safest form of investment. In the eurozone, Italy, France, Germany and Spain are the largest issuer of government bonds and account for 80% of all issues in the 19 countries of the zone.

The higher the fees, the lower the return

In most situations of our daily life, paying more gives us access to better services and better products. Good restaurants are expensive and so are nice cars. Investment is an exception to this rule. Although this may be counter-intuitive for some, paying more for a financial service does not lead to better returns, it is even quite the opposite.

Comparison of fees charged by online financial advisors in Belgium

Many financial advisors provide online investment services in Belgium. It is however not always easy to understand what and how fees are actually charged. Indeed, these fees vary depending on the provider, the amounts invested and the risk profile. In this post, we propose to dissect the fees charged by 5 Belgian digital actors: Treetop, Medirect, Keytrade, Evi and Easyvest.

Belgian banks are 5 times more expensive than easyvest

Getting an extensive view of the fees charged on your investments turns out to be very complex and painful. Indeed, fees are poorly or not communicated by financial advisors, fragmented and spread over several reports, or simply hidden when regulation allows it. Easyvest strives here to shed light on the foggy fees of Belgian banks’ funds.

What do we mean by "the market"?

We often talk about “the market” without clearly defining it. Actually, many markets exist and it is crucial to define which market we’re talking about to avoid confusion. For Easyvest, the market is made of all the companies that are traded on a stock market in the world. While it is impossible to invest on the whole market today, technological developments suggest it might be possible in the future.

When is the right time to invest? Now!

Investors try tirelessly to answer a simple question: what is the right time to invest? Our analysis shows that if you invest each year and over the long term, it is better to invest as soon as your money is available regardless of the market environment.

Nobody beats the market in Belgium

By entrusting your money to a professional financial advisor, like a private banker or fund manager, you might expect to get higher financial returns than those of the market. Well the truth is nobody systematically beats market in the long term!

Why does easyvest launch its blog?

Our objective with this new blog is to provide educational articles and exclusive analyses enabling Belgians to (re)discover finance.

Global ETF: A comparison between MSCI World and S&P 500 to make the right choice in 2025

The global ETF is a popular investment vehicle for portfolio diversification. Among the many available ETFs, the most widely used is the one tracking the MSCI World index. But is it more appealing than the S&P 500, which is often praised for its performance? Let us compare these two options to help you make an informed decision.

World ETF: a good choice to diversify your portfolio

In a globalized and sometimes uncertain economic environment, diversifying your portfolio has become essential for any investor focused on long-term returns. One of the simplest and most effective ways to achieve this is by investing in a World ETF. This type of exchange-traded fund offers access, in a single transaction, to thousands of companies across developed markets. Low-cost, high-performing, and easy to understand, World ETFs are increasingly appealing to both individual and professional investors. In this article, we’ll break down how they work, their advantages, and why Easyvest has made them a cornerstone of its investment strategy.

ETF vs mutual funds: which option is better?

The world of investing is full of choices, but few spark as much debate as the decision between ETFs and mutual funds. Both vehicles allow for portfolio diversification, but they differ fundamentally in terms of fees, performance, liquidity, and transparency. For over a decade, ETFs (Exchange Traded Funds) have experienced spectacular growth. Their promise? To replicate the markets in a simple, low-cost, and efficient way. Opposite them stand mutual funds—historically dominant—relying on active management with the ambition of outperforming the market. In this article, we will compare these two options in detail to help you determine which one might be best suited to your investor profile. We will illustrate this analysis with concrete use cases based on age or wealth, while also highlighting what Easyvest offers in this space.

Semmie Review (2025): What You Need to Know as a Belgian Investor

In April 2025, Saxo Bank announced that it would transfer its SaxoWealthCare portfolios to Semmie, a Dutch digital wealth manager. For thousands of investors, this means their portfolios will now be managed by a different party often without them having explicitly chosen so. But what exactly is Semmie? What are the fees, what returns can you expect, and is Semmie actually suitable for you as a Belgian investor? We dove into the details and created this in-depth review for you.

Why ETFs are suitable for retirement planning

Building a pension is an increasing concern for many Belgians. Ageing, pressure on the statutory pension, and uncertainty about future government measures force us to start working today on our income for tomorrow. But what is the best way to save for a comfortable retirement? And how do you combine return with safety and transparency?

How to choose the right ETF?

ETFs (Exchange Traded Funds) have become increasingly popular in recent years among investors seeking simplicity, diversification, and low costs. But the range of options is vast: from broad global ETFs to sector-specific products, from synthetically replicated baskets to physically purchased underlying assets. So how do you make the right choice? In this article, we discuss five crucial criteria to consider when selecting the ETF that best suits your investment goals.

What are the best ETFs for beginners in Belgium?

Investing in ETFs has become one of the simplest and most popular ways for Belgians to grow their money over the long term. ETFs, or Exchange Traded Funds, offer an excellent combination of diversification, low costs, and ease of use, making them particularly attractive for those just starting out.

Investing in ETFs during a crisis: wise strategy or risky gamble?

When financial markets turn red, investor anxiety rises. The big question arises: Is it wise to continue investing in ETFs during a crisis, or does this increase your risk? This article analyzes how a recession impacts ETFs and how to invest wisely during uncertain times.

Bitcoin ETFs decoded

Since its inception, Bitcoin has fascinated as much as it has intrigued: a speculative asset for some, a store of value for others, it has gradually made its mark on the global financial landscape. Today, it's possible to invest in Bitcoin without owning it directly, thanks to financial products called ETFs (exchange-traded funds) that track its price. But what exactly is a Bitcoin ETF? How much does it cost? How can I invest intelligently? And above all, is it really a good idea for your portfolio?

What fees for an ETF

ETFs (Exchange-Traded Funds) are often presented as a cost-effective and transparent investment solution. However, they can involve hidden costs that every investor should be aware of. In addition to obvious fees like the total expense ratio (TER), other, more discreet expenses can impact the profitability of your investments: spreads, brokerage fees, PFOF (Payment for Order Flow), banking fees, and even certain taxes.

Saxo bank transfers portfolios to Semmie. What does this Mean for your money?

If you’re a Saxo Bank client in Belgium, you may have recently received news that your managed investment portfolio will soon be transferred to Semmie, a Dutch investment platform. This unexpected change has raised several important questions for investors: Is Saxo Bank a real bank? Is it a good one? Who owns it? And above all — is your money still safe? Let’s take a closer look at the facts, and explore what alternatives exist for Belgian investors looking for stability, transparency, and local support.

Bond ETFs: everything you need to know about this product combining diversification and stability

In this article, we will explore bond ETFs in detail, including their different types, advantages, and how they react to interest rate fluctuations.

ETF: everything you need to know to invest better

At Easyvest, we adopt an index-based approach to optimize your investments. We build a diversified and high-performing portfolio based on ETFs: a global equity ETF and a complementary ETF, allowing for simple, efficient, and tax-optimized management.

5 good reasons to invest regularly

Investing on a regular basis allows you to maximize your potential return on the long term. How? Watch our new video and discover 5 good reasons why you should set up a recurring investment plan now.

How to invest in ETFs in Belgium? Comprehensive guide for 2025

ETFs, or exchange-traded funds, are a popular method of investing due to their simplicity, diversification, and cost.

What is the difference between MSCI World and MSCI AC World IMI indexes?

In this article, we will explore the differences between the MSCI World Index and the MSCI World IMI Index and how they can affect your investment decisions.

What is the MSCI World Index and how can I buy it?

Learn all about the MSCI World Index and how you can invest in it. This comprehensive guide covers everything you need to know.