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Ethical Investing

Ethical investing through trackers pays off

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Recently the Belgian bank NewB got its banking license. This makes them the first bank focusing mainly on ethical investing and banking. What started as an idea in the aftermath of the financial crisis to change banking forever, much as the crisis did, is now a bank with a license. Ethical investing is taking off!

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Mighty Percent Of Dollars

My mortgage: an interesting experience

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Unavoidable in the search for my place in the search for the best mortgage. Trying to find the best mortgage in Belgium typically means going to different banks to get the lowest rate possible while figuring out which type of rate to get (fixed or variable).

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ECB Headquarters In Frankfurt

Ultra low Long-term interest rates: what this means

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You’ve probably heard this word a few times in the news already, especially in lieu of the financial crisis and later the euro crisis. It probably also came up recently because it went below zero in your country as it did in mine not too long ago. I’m of course talking about long-term interest rate and their low (even negative) level.

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EU Directive: MIFID II - Markets In Financial Instruments Directive

MiFID (II) explained: How EU is trying to protect its investors

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In this post, I’ll clarify MiFID (II) or Market in Financial Instruments Directive and Regulation (so not MiFID (II) Directive). I’ll answer the following questions:

  • What it is
  • Why it was created
  • Who it’s for
  • What impact it has on (retail) investors
EU directive: MIFID II - Markets in Financial Instruments Directive
EU directive: MIFID II - Markets in Financial Instruments Directive

Acronyms, who doesn’t love ’em? From the United States with agencies such as FBI, CSI, NCIS, FCC, etc. To Europe with ESMA, OPCW, or NATO. In turn, institutions and organizations like to use them too for their rules.
It are these regulations that I’d like to clarify. Since there are quite a few that specifically impact investors/traders, I created this series.


“European Acronyms” is pretty straight-forward. I go over various terms that appear often in the news and media, and that also has an impact on us investors.

What does MiFID mean in simple terms?

MiFID stands for Market in Financial Instruments Directive. It’s a set of rules that aims to increases transparency across the European Union’s financial market.

The first version of MiFID implemented new measures, such as pre- and post-trade transparency requirements, and created rules of conduct for the EU’s financial firms. the first version of MiFID primarily focused on Over The Counter (OTC) transactions.

You might think that MiFID was created after the 2008 financial crisis, but it actually came into effect prior to that. The EU did make changes in light of the crisis.

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