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Smart investing with your 100,000

Written by Taco te Gussinklo | 5 minutes
FRI 31-05-2019
They do not have an official name abroad, but in the Netherlands a ton (€ 100,000) or more of freely available assets can simply call themselves a tonnair.

Money alone does not make you happy, but a bit of financial freedom makes things a bit easier. Nevertheless, occasionally tonnairs also face financial dilemmas: Do I have to use the money to pay off debts, to save or to invest? And are there other useful ways to spend or put the money to good use?

Three times smart with a ton
A ton is not just something to own or to keep. It also appeals to the imagination and is a nice round of money that you can sometimes deal with smartly. Below three - different - tips of a ton (the amounts have been indexed in recent years)

1. Pension barrel
You may, after all, earn a ton and realize that for a few years you no longer accrue extra pension via your employer on income above a ton (in 2019: € 107,593). Be aware of this and save or invest extra to keep your old age up to date.

2. Jubilee
It is also possible to give a one-off tax benefit (2019: € 102,010) - also known as the "jubelton" - to someone (for example a child or grandchild) who is between 18 and 40 years old to purchase a house. The children or grandchildren therefore have more financial scope to become themselves - faster - tonnair.

3. Green tub
Are you already a tonnair but do you think you are paying too much wealth tax? In addition to paying off debts or spending extra, you can also invest smart green. For tax couples, a tonne of green investments (now indexed to € 117,080) is exempt from tax in Box 3 and a favorable tax credit applies in Box 1.

Are you a tonnair?
Then you are at the right place at BinckBank. We take every asset seriously and are ready for you with the knowledge and experience of a specialist. Our philosophy is simple. Your assets deserve expertise and attention. With customized services and competitive rates. If you like to invest yourself, you get the best tools, functionalities, knowledge and inspiration. Do you have no time, sense or knowledge to do it yourself? Then we do it for you! Always with a personal approach. Our welcome manager will be happy to discuss with you which investment solution best fits your situation.

Author

Taco te Gussinklo

Taco was an active investor with BinckBank before he joined the team. He also writes finance columns for several magazines and websites. “Investing becomes much more interesting when you have enough knowledge. When I investigate my columns I always find a subject that will be useful to our investors so that they can put it into practice.” 

The information in this article should not be interpreted as individual investment advice.  Although BinckBank compiles and maintains these pages from reliable sources, BinckBank cannot guarantee that the information is accurate, complete and up-to-date. Any information used from this article without prior verification or advice, is at your own risk.  We advise that you only invest in products that fit your knowledge and experience and do not invest in financial instruments where you do not understand the risks. 

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Investing with BinckBank allows you the use of user-friendly platforms and access to all relevant stock markets. Besides we provide you with inspiration and knowledge via the BinckBank Investment Academy.

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Date Subject Place
21/11 Training Session Financial Instruments for beginners II
Marbella 
22/11 Training Session Financial Instruments - advanced II
Marbella 
28/11 Extra income from your capital
Marbella 
03/12 How to make returns when the savings rate is low
Benidorm 
12/12 DrinkEXCHANGE @Binck Café
Marbella 
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