Almost exactly a year ago we discussed managing emotions when markets are in turmoil. The source of the turmoil is different in nature but the effect for some is similar. Many have become uncertainty about the capital you have put aside in pensions and other...

I’m a long-distance runner. And if there’s one thing I’ve learned, it’s this: you don’t run a half marathon by simply putting on your shoes and setting off for 21 kilometers. Big goals require time, preparation and — above all — a lot of small steps. Whenever I start...

Gifting assets to children: a common family dilemma Many parents and grandparents we speak to at Your Financials face the same dilemma. You want to transfer wealth to your (grand)children during your lifetime to reduce inheritance tax, while avoiding a situation where...

Everything you need to know to make your pension choices with confidence The new pension system in The Netherlands is on its way, and it raises many questions. That’s completely understandable: your pension is one of the most important financial pillars in your life —...

The Dutch Authority for the Financial Markets (AFM) warns in its latest report that investment fraud is not only increasing but also becoming more sophisticated. Read the full AFM publication here. This trend underscores the need for vigilance among investors—both...

From 2026, investing privately will become significantly more expensive. Not because the tax rate is increasing – it remains at 36% – but because the deemed return on investments will rise: from 5.88% in 2025 to 7.78% in 2026. At the same time, the tax-free allowance...

One of our clients recently shared a deeply moving story. Her parents had lived for years in a beautiful apartment in Amsterdam, with a seven-figure home equity. On paper, it looked like financial security — a valuable property, a prime location, peace of mind. But...

The aftermath of Prinsjesdag is clear: the 2026 Tax Plan contains several measures that may directly impact your finances, especially if you are an expat or international knowledge worker. Below we outline the key changes, their possible effects – and what you can do...

Per 1 januari 2026 veranderen de fiscale regels voor vermogensbelasting in Nederland aanzienlijk. Heb jij vermogen in andere bezittingen dan bank- en spaartegoeden – zoals beleggingen, een tweede woning of bepaalde financiële producten – dan kan je belastingdruk fors...

From 1 January 2026, new fiscal measures in the Netherlands will significantly affect how wealth is taxed. If you hold assets beyond bank or savings accounts – for example, investments, second homes, or certain other financial products – you may face a much higher tax...