Saving
A savings buffer covers unexpected costs, so you never have to sell at a bad moment. Savings don’t fluctuate, but inflation can erode their buying power.
The overview
Building wealth means looking at all the parts together. Here are the main building blocks in brief.
A savings buffer covers unexpected costs, so you never have to sell at a bad moment. Savings don’t fluctuate, but inflation can erode their buying power.
In the Netherlands, retirement income roughly comes from three sources: the state pension (AOW), a workplace pension and your own savings. Understanding all three helps you plan.
Article coming soon
A home or property investment can make up a large part of your wealth. It comes with its own costs and risks, and it’s harder to sell quickly.
Article coming soon
Tax rules depend on where you live. In the Netherlands, savings and investments usually fall under “box 3”, which has changed several times in recent years. Always check the current rules with the tax authority.
Article coming soon
With wealth management, a professional firm makes investment decisions for you within agreed goals and risk limits. FortuneFlow doesn’t offer this; we only explain how it works.
Article coming soon
Articles
Preview articles; final versions will follow after editorial review.
WealthPreview
Certainty versus growth potential. How to weigh the choice against your goal, your time horizon and your buffer.
InvestingPreview
Earning a return on earlier returns sounds simple, but the effect only becomes visible over long periods.
InvestingPreview
Transaction fees, ongoing charges and spreads: small percentages that can add up over long periods.
Tool
See what starting capital, monthly contributions, time and an assumed return do together. With every assumption in plain sight.
FAQ
Many people choose to build a buffer for unexpected costs first. After that, money you won’t need for a long time could be invested. Read more in Saving or investing.
When you invest yourself, you make every decision. With wealth management, you hand those decisions to a licensed firm, within agreements about your goals and risk. That comes at a cost. FortuneFlow doesn’t offer wealth management.
That depends on where you live, your personal situation and the rules for that year. In the Netherlands, the tax on savings and investments (box 3) has changed several times recently. Check the tax authority’s website for current information, or ask a tax adviser.