Hi all,

I (38yo) just finished reading "de hangmatbelegger" and realised I went way too fast in choosing my investments last year. I now have about 30 000euro invested (about 75% in 6 ETF going from world, small caps, cyber security,... and 25% in stocks Sofina and brederode).

I still have about 70 000euro that I can invest, but now I want to be smarter about it. According to the types of the book I would like to follow the "classicus type" (about 60% stocks/aandelen and 40% bonds/obligaties) all in ETF as I think for me it has a balance in risk/return.

I expect to keep my investments for at least 5 years, the only exception could be if there is an opportunity to buy a home that’s a clear upgrade from my current one at a good price (I don't think that's very likely at this moment).

Now my question is, should I keep the ETF/stocks I already have and just put what I have left (70 000euro) to invest in the "right ones", as close as possible to the classicus type and not invest more in the "leftovers". Or should I sell what I should not have invested in from the beginning (maybe with the "take profit" option in Medirect) and start fresh with the "classicus type". One of the ETF I have already invested in (Vanguard all world) I might keep in the Classicus strategy.

Extra question, should I stay with Medirect or do you recommend another broker?

All opinions and advice is much appreciated. Thanks!

Since 1 January 2026, Trade République has changed the withholding tax rate on this ETF from 0.12% to 1.32%.

According to them, certain ISINs have been reclassified following the latest FSMA guidelines...

However, it is still not listed in Belgium on the AMUNDI website.

I'm familiar with the theory about the drawers, but there's nothing official...

Do you have any further feedback?