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Yes, it can be found here: th-cam.com/video/DKa2oxzOEXA/w-d-xo.htmlfeature=shared

Hoi. Bedankt voor je opmerking en we houden het in gedachten. Er is hier een review van Curvo gemaakt op TH-cam als je wilt zien hoe het werkt: th-cam.com/video/fQ0QV-GgvQI/w-d-xo.htmlfeature=shared Anders stel ik voor dat je de app zelf uitprobeert zodat je alle voordelen kunt zien.

Bedankt voor je commentaar. Klik op subscribe om op de hoogte te blijven van toekomstige video's. Aarzel ook niet om ons te laten weten of er onderwerpen zijn die je graag in de toekomst behandeld wilt zien.

We zullen de feedback in gedachten houden voor toekomstige video's.

Is perfect verstaanbaar. Jij misschien beter investeren in een gehoorapparaat?

@ 😅

Perfect verstaanbaar.

Hoi. Bedankt voor je commentaar en het delen van je inzichten en echte ervaring. Goed gedaan met de lage aanbetaling!

Inderdaad. Het hangt af van je makelaar. We hebben de beste in België hier beoordeeld: curvo.eu/nl/artikel/beste-broker-belgie-etf

We werken onze lijst met ETF's hier bij: curvo.eu/nl/artikel/beste-etf-belgie

Ja, we hebben het hier toegevoegd: curvo.eu/nl/artikel/beste-etf-belgie

Thanks for the content idea. We'll add your idea to our list of topics to cover in a future video. Have a great 2025!

In french please!

@@derivas007 Yes, we'll prepare some videos in French too. Any topics you would like us to cover?

We have the same video in English that was published on our channel. It's here: th-cam.com/video/r25u-nz3zHU/w-d-xo.htmlsi=4vslDMcxFb180xOk

Vroeger was het 0,12% tot een paar jaar geleden, toen het tarief bij bepaalde brokers 1,32% was. Het is nog steeds een twistpunt voor sommigen online!

Wat kunnen we dan het best doen, of bij wie kunnen we dit navragen voor accurate informatie?

Ik begrijp je standpunt. We zullen voor elke broker specifieke video's opnemen die dieper op de zaken ingaan. Deze video was bedoeld om een snel overzicht te geven van de brokers voor Belgen. We raden je aan onze meer diepgaande beoordelingen van alle brokers op onze website te lezen: curvo.eu/nl/artikel/beste-broker-belgie-etf Merk ook op dat we dit uitleggen in de specifieke review van DEGIRO: curvo.eu/nl/artikel/degiro-review

Blij om te horen dat het goed voor je werkt en bedankt voor het delen van je workflow met Bolero.

Ja, dat klopt. Je kunt ook onze actuele review van Saxo hier bekijken voor de laatste informatie: curvo.eu/nl/artikel/saxo-bank-review

Hi, we already have a selection of videos in English and we will continue to publish more. Please let us know a topic you would like us to cover in the future!

Bedankt voor de steun en de vriendelijke woorden. Als er specifieke onderwerpen zijn die je graag behandeld wilt zien, wees dan niet verlegen om het ons te laten weten.

Hi! Thanks for your message. Yes, we'll record this in French / English too. You can read the full Trade Republic review here: curvo.eu/article/trade-republic-review Let us know if you have any further questions!

Hoi. Bedankt voor je commentaar. De meest actuele bron is het artikel: curvo.eu/nl/artikel/beste-sp-500-etf-belgie - zoals sommige S&P 500-fondsen vaak worden gecreëerd.

​@@curvoeu bedankt, de SPYL staat dus toch nog in de lijst. Zeer informatieve video's en website! Doe zo verder, we leren bij (bomen/bos...)!

@@bikebsa Bedankt voor je bemoedigende woorden. Laat ons weten of er nog andere onderwerpen zijn die je in onze volgende video's behandeld wilt zien.

That's a good idea for a next video. Thanks for sharing and hopefully sooner rather than later :)

You have to declare the TOB for every purchase and sale. Here's a guide that helps explain it: curvo.eu/article/tob Also it depends on the types of ETF and stocks you buy. If you choose distributing funds, you'll have to pay the 30% dividend tax too: curvo.eu/article/dividend-tax-etf-belgium Note that you also have to declare your account to the National Bank of Belgium. Due to all these complexities, we don't suggest you open an account with them but rather use a Belgian broker that handles everything. It's less of a headache!

Our pleasure. Can we help with any other topics or videos?

Indeed, that's a good way to think through it!

We list the best bonds to buy here: curvo.eu/article/best-bond-etf-belgium - hope that helps!

True. Thanks for sharing.

Indeed - thanks for your comment!

Your DEGIRO account has to be declared through one of your parents / guardians instead if you're still a student. It's a bit cumbersome but best to be in line with the tax authorities.

Thanks for your comment. We wrote about building a portfolio of ETFs on our academy if you wish to learn more on the topic: curvo.eu/article/build-portfolio-etf

Hi, you can always check the status of your declared accounts directly at the National Bank and they provide you with details. If you're uncertain, feel free to contact them directly for confirmation too. Good luck!

Glad our resource was helpful!

Hi. If you received the dividends in 2024, they will have to be declared in 2025. Good luck!

@@curvoeu thanks a lot!

A portfolio of 10 stocks which are rebalanced monthly isn't considered speculation so you will be perfectly fine!

​@@curvoeu Thank you for your quick reply! I would have several follow up questions, but I'll keep it short 😄 Every time I rebalance my portfolio, I would have to pay TOB for each stock, correct? I'm interested in US stocks, is there a way to open a broker nominated in USD to avoid FX fees? Also, is it possible to trade futures and options in Belgium? Would TOB be due as well? Are these considered more speculative and would trigger capital gains tax? Thank you in advance! Appreciate it!!!

@@valiente4153 That is correct. The TOB is applied for every purchase or sale. As for opening a broker nominated in USD, Interactive Brokers offers this option (including trading futures and options). You can Google for our "best brokers in Belgium" and you'll see a review of all the different brokers. Good luck!

@@curvoeu Thank you very much! To clearify TOB is always due regardless of the instrument traded? (had hopes that futures and options maybe excluded...) I'm aware of IB but hesitant as I would need to file the TOB manually. Will look into it again thanks! Sorry to repeat my last question, at what point would trading be considered speculative? This seems so arbitrary in Belgium. Once considered most likely all my trading and investing would be considered speculative and capital gain would be due??

Yes, all accounts should be declared irrespective if you used them or not. You also need to notify the NBB for closing a foreign account too. We have help articles on the Curvo website!

Yes, you'll need to submit all the interest you've received in the year when you declare your taxes. These interests have to be declared in the section "1444-2444" on your tax form. You'll have to pay a tax on it!

Hi! Thanks for your message. The website has the most up to date information so please use that resource! Have a nice Sunday!

Bonjour, nous avons limité les ouvertures de nouveaux comptes pour le moment. Nous les ouvrirons à nouveau dans un avenir proche - dans quelques semaines. Merci pour ta patience.

Yes, you may fall under the speculative tax. If the capital gain is speculative, the tax rate is 33%.

Thanks for the nice summary!

Hi, sorry we don't. Perhaps we could create a resource that looks at this to help more Belgians invest their savings the right way!

Thank you!

Hi! Belgian residents are required to pay a transaction tax on each purchase and sale of a financial asset, for instance stocks, ETFs, bonds...however, funds that meet certain conditions are exempt. And all funds in your Curvo portfolio meet these criteria. You can see the details on the Belgian government's Fisconet website: www.minfin.fgov.be/myminfin-web/pages/public/fisconet/document/57b36ce5-6f32-4d9d-b627-055019c2f354

Hi! You’re unable to invest in crypto through Curvo. It’s a good idea to creat a video on how to buy crypto though. Thanks for the suggestion.

@@curvoeu Thanks for the info. Looking forward to your video on crypto :)

Thank you for your kind words. We're here to help as many people as we can. If you have any ideas for videos or resources you would like to see, don't hesitate to reach out.

Hi! No our app is far from dead. We paused these monthly videos updates but we'll be back soon with them. We still send out monthly updates to our members via email. We'll get back to publishing videos in the near future. Thanks for your message!

@@curvoeuHi there! I discovered Curvo a few days ago and my account got approved within 12 hours. I wanted to congratulate you because the onboarding process has been absolutely impeccable! From the simplicity of the app to the actual texts explaining the different steps, everything inspired trust and I find it extremely important. The only thing that gives me a bit of pause is seeing that there’s hasn’t been any public update on your company in over a year. On TH-cam, anyway. I understand that this can be time consuming, but even a short video to tell us how you guys have been doing would go a long way to reassure prospective investors! In any case, I wish you all the best with Curvo. It really feels like you’re building something special here!

Hi. Thanks for your comment. You can follow our guide here which helps you calculate the TOB: curvo.eu/article/how-to-calculate-the-belgian-transaction-tax-of-an-etf - good luck!

@curvoeu thanks you its very helpful 🫡