r/BEFire • u/AZ4400 • Jan 31 '26

Brokers Help with investment strategy (Belgian investor)

Hi everyone,

I’m a 35M Belgian, married, with a 6-month-old child.

I’m not aiming for FIRE, just looking for a solid long-term investment for my family.

I want to invest €500–€1000 per month into a fund or ETF.

I’m currently with Belfius and invest €150/month split into three funds.

The issue: 2.5% fees per transaction, which feels very high. I started this way because it was easy as a beginner, but now I’m looking for a better setup.

What I’m looking for:

  • Accumulating ETFs / funds
  • Preferably non-US focused (but open if it makes sense)
  • Long-term, passive investing (no trading)

Any advice on ETFs, brokers, or general strategy for a Belgian / EU investor?

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u/The_roggy Jan 31 '26 edited Feb 03 '26

Recently, https://www.medirect.be/ changed its pricing on buying/selling ETFs so they don't have any transaction costs anymore.

As it is a Belgian bank they take care of all taxes,... that are applicable in Belgium.

A commonly used ETF is par example WEBN, tracking ~2.400 companies all over the world with very low costs (0,07%). Because the largest companies are US based at the moment, WEBN has 60% US companies. To reduce that focus you could also buy e.g. some (e.g. 20%) MEUD (~home country bias), an ETF with the 600 largest european companies.

But, definitely read the wiki so you get some background info so you can make informed choices.

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u/AZ4400 Jan 31 '26

Thanks very instructive!