⚠ Educational content only — not personalised tax or financial advice. Sources: SPF Finances, KPMG, PwC, EY Belgium. Last updated: May 2026.
🇧🇪 For Belgian retail investors

Learn to invest the Belgian way —
ETFs, taxes and brokers, explained simply.

From emergency fund to your first ETF: a step-by-step guide for Belgian beginners. Independent, free, official sources.

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Brokers compared
100%
Independent
2026
Laws updated
TOB handling by broker — quick overview
🏦 Bolero (KBC)Auto TOB ✓
📊 DEGIROAuto TOB ✓
💼 Interactive BrokersSelf-declare ✗
⚡ Trade RepublicSelf-declare ✗
Belgian taxation — key rates 2026
TOB (shares)0.35%
Withholding tax30%
Capital gains (new 2026)10% >€10k
Where to start?
Everything you need, in one place

Guides built for Belgian investors. No jargon, no ads, no advice — just clear information.

🇧🇪 New here?

Start here — the step-by-step guide
for Belgian investing beginners

From emergency fund to your first ETF, in 6 steps. Follow the order — each step builds on the one before.

1
Emergency fund
2
Pension savings
3
Choose a broker
4
First ETF
5
Belgian taxes
6
Track your admin
View the full guide →
Free No jargon Belgium-specific
🏦

Compare brokers

Bolero, DEGIRO, IBKR, Keytrade, Trade Republic and more.

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Belgian taxation

TOB, withholding tax, 10% on capital gains from 2026 — with examples.

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🏛️

Pension savings

€1,050 at 30% or €1,350 at 25%. Belgium's most important tax benefit.

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Investing basics

Shares, ETFs, bonds, compound interest — start here if you are new to investing.

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ETF taxation

Accumulating vs distributing — which is more tax-efficient for a Belgian investor?

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Markets & ETFs

BEL 20, S&P 500, best ETFs — with links to JustETF and Yahoo Finance.

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Stock exchange tax calculator

Calculate exactly what a transaction costs after all fees and taxes.

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No jargon (mostly)
Plain language first, technical terms second. Every concept is explained at the point it appears.
🇧🇪
Belgium-specific
Belgian brokers, Belgian tax rules, Belgian scenarios. Not generic European advice.
⚖️
Independent & transparent
No broker payments. No commissions. No advertising. Every figure is sourced and dated.
Why trust this guide?
Based on primary sources. Updated when laws change.
🏛️
Official sources only
SPF Finances, KPMG, PwC, EY Belgium, official broker pages
📅
Dates on everything
Every rate and fee shows its last-verified date
🔄
Updated May 2026
Capital gains section rewritten after the law was adopted on 3 April 2026
🚫
Zero conflicts of interest
No affiliate links. No broker sponsoring. No advertising.
⚖️
FSMA-aware
FSMA-licensed brokers highlighted; foreign brokers clearly flagged
📚
Educational only
Every page ends with "not financial advice". Decisions are yours.
Primary sources:
SPF FinancesKPMG BelgiumPwC BelgiumEY BelgiumGrant Thornton BelgiumKBC BrusselsCurvo.euFSMA.beWikifin.be
Important disclaimer — This site is educational only. Nothing here constitutes personalised financial or tax advice. Tax rates and rules change — always verify important information with official sources (SPF Finances) or a licensed adviser.
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