The classic entrepreneur mistake? Paying for family healthcare expenses with net personal income. Recently, during a wealth management review, a client running a single-member company asked me: "I currently pay €130 a month out of pocket for my private health insurance. If I switch to a company plan, the monthly premium goes up to €221. Is this actually a smart move?" At first glance, paying €91 more each month seems counterproductive. But in financial management, stopping at

Header banner for The 5' Newsletter Mug by The Thrive Invest Company Branch 21 & Branch 26 Insurance Discover the latest market offers to grow the capital of individuals and companies Where should you invest your capital so you don't have to start from scratch in 12 months? As the battle of rates rages between bank savings accounts and government bonds — often limited to a one-year maturity — a strategic question arises: what to do with your liquidity to secure a sustainable

A dispute can arise at any moment. With a neighbour, a contractor, your employer, a retailer or even… your own insurer. In those moments, the question isn't just "am I covered?" but above all "am I properly defended?" — and those are not the same thing at all. The "all-in-one" reflex: convenient, but potentially a trap Many Belgians take out legal protection as an add-on to their car, fire or family insurance. The argument is tempting: one point of contact, one premium, les

You dream of becoming a homeowner but your savings don't yet cover the purchase costs? Good news: there are financing solutions available today that allow you to borrow beyond the property price, without needing a large personal contribution. What is a 105% mortgage? A standard mortgage typically finances between 80% and 100% of the property value. A 105% mortgage goes further: it also covers part of the ancillary costs associated with the purchase — notary fees, registration

Reading the Markets with Perspective The past six months have been marked by financial markets that appear resilient on the surface, yet remain underpinned by structural dynamics that deserve close attention. While equity indices have generally been well oriented—sometimes even advancing—the broader economic environment remains more contrasted when one looks more closely at bond markets and monetary policy developments. In equity markets, performance has been partly concentra

Eugene Fama is renowned for his efficient market hypothesis (EMH), which argues that stock prices reflect all available information,...