What they say about the course

100% of participants recommend the course to other people

Setup your automated wealth building system

And benefit from the power of the stock market, without the fear of a market crash, taking unnecessary risks, spending all day analyzing the markets or paying high fees to banks or advisors.


The ultimate program to get started in 6 weeks, designed for very beginners and busy people.

What past students are saying...

“We joined the course because all the information that you find online is very much geared to the US market and we needed a way to do it from Belgium. This course does just that, in an easy package which you can implement in little time. Looking through taxes, brokers and ETFs would have been a lot of work and it's especially difficult because it can be very overwhelming.”

Designer and coach

Marcia

“The main benefit from the course for me is that I know that I am working towards something, that I will have a good pension and will be financially stable, and I am doing so without putting much time into it; index investing is very time-efficient. I just live my daily life while being more secure about my finances. That's the biggest benefit for me.”

Startup employee and full-time dad

Loic

“My biggest take-away from this course is how simple and easy it is to take control over your own finances. You can do it from your couch. This is important because I am a full time working person. With this strategy it only takes 5 minutes per month and that’s it. ”

Corporate advisor

Ruth

Your instructor

In the past 7 years, Sebastien has helped thousands of people take better control of their finances, through simple common-sense index investing. He has reached financial independence at 33 years old and now spends most his time with his family, building the FIRE Belgium community and helping people to start with index investing. He has been featured in numerous Belgian media, including in Le Soir, De Morgen, Het Laatste Nieuws, RTL TVI, Het Nieuwsblad and Le Vif Weekend. Sebastien is here to help you take control of your finances, invest better, build financial security and freedom so that you can be more, live more and give more.

Sebastien Aguilar

Founder and instructor

As seen in...

The financial industry wants us to believe that investing is too risky and too complex...

And that working through them is our best option... 


Of course, that’s how THEY make money! 


When I started, I didn’t know better and it cost me 12,000 euros over 4 years.

But I discovered that it’s all a lie

And when I realized, I was furious and outraged. Because everyone around me was falling for it, losing hundreds of thousands of euros to the industry.

The solution

The truth is that there is a simple and very effective way to benefit from the tremendous growth power of the stock market, unhindered by high fees or conflicts of interests : index investing 

Index investing in a nutshell

  • Outperforms professional investment managers

    Built upon decades of academic research, index investing consistently outperforms the vast majority of professional fund managers, year after year, after year... the data doesn't lie.

  • Most passive and effective wealth building

    Index investing is the most passive and reliable way to benefit from the stock market over the long term and can be implemented by anyone.

  • Take back control of your finances

    Build by individual investors for individual investors, index investing has been refined by the community so that it benefits you the most. You learn, you invest, you take back control.

It has completely changed my life

Index investing has literally changed my life, to the point where I don't have to rely on a job for income anymore. 


As the community grows and the information is shared, everyday more and more people are benefiting from its power.


But it can be overwhelming at first, and it’s important to avoid some of the costly mistakes beginners often make…

The Index Investing Online Course

The Index Investing Online Course is designed to get you started with index investing fast.

And without the confusion or overwhelm, thanks to my streamlined 4-step learning and investing system.


The Index Investing Online Course you will help you create:


  1. An automated wealth building system that outperforms professionals - a personal and optimized system that lets you benefit from the power of the stock market without the fear of a market crash, unnecessary risks, spending all day analysing the markets or paying high fees to banks or advisors.


  2. Clarity, confidence and peace of mind - knowing that you have taken care of your finances and can rely on an evidence-based system that is doing the work for you.


  3. Time to spend on what you love - after the initial setup, index investing takes less than 5 minutes per month and lets you focus on what matters most to you in life. And in the long run, it generates income that makes your job optional. Financial security and freedom give you time and options in your life.



And you can set this up in only 6 weeks, following the 4-step learning and investing system in less than 2 hours per week. 


Once it is in place you, can manage your investments in less than 5 minutes per month (the time needed to make a couple of transactions).


What you will learn:

  1. How to invest simply and effectively with index ETFs (the philosophy and mindset to be successful long term)


  2. How to build your personal portfolio, based on your personal situation and needs (including the selection process to identify the best ETFs optimized for Belgian taxes, as well as a shortlist of both bonds and stock ETFs, including sustainable options)


  3. How to select the right broker for your personal situation, open and fund your account


  4. How to practically make your first investments (step-by-step detailed process and demo)


  5. How to write your own personal investment plan, summarizing your entire long term investment strategy in a logical and concise way, so that you are fully equipped for the management of your portfolio.

Start now and learn how to invest in just 6 weeks!

Return on investment

On average, index investing provides much better returns than what average investors get.  This is illustrated on the following graph, built using investment returns data for average investors compared to the market, including the cost of investing.




Index investing far outperforms the average investor, with in this example a difference of 270 000 euros, the equivalent of 13 years of saving.

This is the cost of not knowing about index investing for the average Belgian saver.


Solid financial knowledge can save you hundreds of thousands of euros and turn into decades of freedom.


But it shouldn’t cost thousands of euros. I believe everyone deserve to get the returns they deserve so I decided to make my course available for only 697 euros


That's a return of at least... 10 000%.

Invest in your future

Develop your wealth building system in just 6 weeks!

What past students say about the value...

“With hindsight I would have easily paid even 1000 euros for this course because the returns will be there in no time, and then long term it will definitely be more than the price of the course, and in parallel peace of mind that I am now properly managing my finances in a structured way for the long term.”

Corporate advisor

Ruth

“I have already retrieved that amount multiple times after investing only for less than a year now. Even if the course would cost a thousand euros or more, I think that is easily recouped by the value you get out of it, especially thinking in the long-term when you consider the gains you get over multiple years from index investing. I think the course is great value for money.”

Analyst

David M.

“What you will learn in the course is that the sooner you get into the markets, the more benefit you will have out of it, depending of course on the amount of money you invest and for how long. But you will see it probably growing faster than on your savings accounts or with a bank investment. So you will earn the course price back quite quickly.”

Programmer

Yannick

My personal 30-day money back guarantee

Don’t forget: it’s completely risk free


I’ve packed a lot into the Index Investing Online Course because not only do I want you to get the investment returns that you deserve but also because I want to guarantee that you don’t fail.


And to make it a no-brainer deal for you I’m giving you a 30 day 100% money-back guarantee with your purchase of the Index Investing Online Course today.


That’s right: Go through the course, check out the bonuses, follow the steps, put in the work, and if you don’t love it in the first 30 days of your purchase, send me an email and I’ll refund you immediately.


If Index Investing Online Course doesn’t work for you, I’d rather not take your money. Instead use it somewhere that works better for you.


No risk for you, all the risk is on me. 

Here is what you get

Your automated wealth building system. Get to the finish line, make your money grow and get peace of mind.


The Index Investing Online Course includes:

1. The 4-step learning and investing system - value 2400 €

2. Your personal investment plan - value 600 €

3. Rebalancing tool - value 100 €

4. Monthly Q&A sessions - value 600 € 

5. Access to private community - value 200 € 



TOTAL VALUE 3900 €

ENROLL TODAY FOR ONLY 697 €.



Let's go!

Develop your wealth building system in just 6 weeks!

"The returns will be there in no time"

Ruth, Corporate Advisor

Course curriculum

  1. 01
  2. 02
    • Step 1: Understand

    • What is index investing?

    • Why index investing?

    • The power of index investing

    • What about the risks of investing?

    • Basic terminology

    • What is an index ETF?

      FREE PREVIEW
  3. 03
    • The 4 pillars of index investing

    • The Bogleheads investing philosophy

    • Solid Foundations

    • Pillar 1: Invest for the long term

    • Pillar 2: Diversify

    • Pillar 3: Keep costs low

    • Pillar 4: Keep it simple

    • Stay the course

    • Before you start investing

    • Quiz

  4. 04
    • Introduction to asset allocation

    • What is asset allocation

    • How to determine your asset allocation

      FREE PREVIEW
    • Ability, Willingness and Need to take risk

    • Life-cycle investing

    • 1. Early savers

    • 2. Mid-journey accumulators

    • 3. Transitioners

    • 4. Withdrawers

    • Asset allocation conclusion

    • Your Personal Investment Plan (PIP) - part 1

    • Bonus: Asset allocation and expected portfolio returns

    • 2023 Update: Expected market returns for the next 10 years

    • Bonus: Goal estimation tool with conservative expected returns

  5. 05
    • Disclaimer

    • The role of brokers

    • How to select your online broker

      FREE PREVIEW
    • Broker selection: access - part 1

    • Broker selection: access - part 2

    • Broker selection: security

    • Broker selection: convenience, reputation and costs

    • Brokers available in Belgium - part 1

    • Brokers available in Belgium - part 2

    • Brokers available in Belgium - part 3

    • How to open a brokerage account

    • Example: Opening a Bolero account

  6. 06
    • Intro to ETF selection

    • How to select your stock ETFs

    • How do we make money with index ETF investing

    • How taxes impact index investing from Belgium

      FREE PREVIEW
    • ETF domicile

    • Belgian tax on ETF dividend distributions

    • Capital gain tax in Belgium

    • Belgian tax on stock exchange transaction

    • Optimizing ETF investing for taxes in Belgium

    • Tax on investment account

    • Is the ETF registered in Belgium?

    • Global stock indices

    • Sustainable & ethical investing

    • Sustainable and ethical investing - update

    • Finding your ETFs

    • Example of ETF factsheet

    • 2023 Update on Stock Index ETF Examples

    • Examples of stock ETFs for index investors in Belgium - Traditional

    • Examples of stock ETFs for index investors in Belgium - Sustainable

    • Examples of ETF combinations for the stock part of your portfolio

    • Developed vs emerging markets asset allocation

  7. 07
    • What are bonds?

    • What are bond ETFs?

    • What happened to bonds in 2022 (crash)

    • What about cash?

    • Rick Ferri: what to do when bonds lose value?

    • What is currency hedging for bonds?

    • Capital gain tax on bond ETF

    • How to select your bond index ETF

    • Update on Bond Index ETF Examples

    • Examples of bond ETFs for index investors in Belgium

  8. 08
    • How to make your first investment

      FREE PREVIEW
    • Knowledge and experience test

    • Brokerage account overview

    • How to fund your account

    • Finding and shortlisting your ETFs

    • How to buy (or sell) an ETF - part 1: Saxo Bank / Binck Bank

    • How to buy (or sell) an ETF - part 2: Bolero

  9. 09
    • Introduction to Stay the course

      FREE PREVIEW
    • How to rebalance

    • How to use the rebalancing tool

    • Completing your Personal Investment Plan

    • Tailoring your account for long term investing

    • How to sell and withdraw

    • Changing brokers

    • The key to success: Stay the course

  10. 10
    • What drives me

  11. 11
    • Congratulations! (and feedback survey)

  12. 12
    • April 2022 Q&A Replay

    • May 2022 Q&A Replay

    • June 2022 Q&A Replay

    • July 2022 Q&A Replay

    • August 2022 Q&A Replay

    • September 2022 Q&A Replay

    • October 2022 Q&A Replay

    • November 2022 Q&A Replay

    • December 2022 Q&A Replay

    • January 2023 Q&A Replay

    • February 2023 Q&A Replay

    • March 2023 Q&A Replay

    • April 2023 Q&A Replay

    • May 2023 Q&A Replay

    • June 2023 Q&A Replay

    • July 2023 Q&A Replay

    • August 2023 Q&A Replay

    • September 2023 Q&A Replay

    • October 2023 Q&A Replay

    • November 2023 Q&A Replay

    • December 2023 Q&A Replay

    • January 2024 Q&A Replay

    • February 2024 Q&A Replay

    • March 2024 Q&A Replay

    • April 2024 Q&A Replay

    • May 2024 Q&A Replay

    • June 2024 Q&A Replay

    • July 2024 Q&A Replay

    • August 2024 Q&A Replay

    • September 2024 Q&A Replay

"An instant recipe to start investing in ETFs"

Petra, Architect

Feedback from past students of this course

Here is what they say

“We loved working with Sebastien because of the knowledge, experience, and passion he shares during his course. His pays attention to his students and their challenges and he is very genuine. We really recommend the course for anyone starting their journey with investing or financial independence and feels overwhelmed. This course is clear, and very well structured. It has all the essential information for anybody who wants to pursue FI by investing in ETFs. It offers an easy step by step plan to follow and start immediately. ”

Tom and Angela

“The course with Sebastien solved that problem for me as he explained very clearly what ETFs were available, which ones were optimal for investors in Belgium, including sustainable options. He also explained how taxes work and how we can best handle that as well as the other costs involved in investing. Thanks to this course, I have now opened my brokerage account and I have started investing in ETFs. I already feel the benefits of taking control of my investing. Financial independence is a good prospect. I feel more confident about the future and more free!”

Cynthia

“The tangible benefits for me are a very precious gain of time and a concentration of information available in an efficient and entertaining way. Indeed, I managed in few weeks to built an additional retirement project from scratch to reality. This is also a big emotional relief to know that this investment plan is now in place, that my savings do not loose value anymore and that my retirement plan is in a good shape. I can now enjoy more or focused on other personal projects. ”

Laurent

“The course gave me an instant recipe for investing in stock and bond index ETFs, that is easy to follow. Week by week, step by step, learning what I need to know so that I can invest on my own.”

Architect

Petra

“The course is designed so that after six weeks you are an ETF index investor. I went from zero knowledge about what to do with my money to having my investment plan developed and implemented, with my ETFs, my asset allocation and my brokerage account.”

Lisa

“One of the main things that convinced me to enroll in the course was the credibility of Sebastien as a teacher. A lot of instructors, especially in money-related topics, are trying to convince you and sell their amazing lifestyle and Sebastien did not. He was very clear in his explanation and very diplomatic and not pushy, so that was a big yes for me.”

Designer

Laurens

Hi, I am Sebastien Aguilar

I have helped hundreds of people get started with index investing. I am here to help you too.

I am the founder of FIREBelgium.com where I lead and facilitate the activities of the Financial Independence community in Belgium. I have been investing in index funds since 2013 and it has completely changed my life. The security and freedom it provides has allowed me to make time in my life for wat is really important to me today: my family. The concepts behind index investing are simple and powerful and I believe everyone can benefit from it. This is why I have been sharing my knowledge on this topic since 2015. My talks and events have helped thousands of people so far, and I hope that this course will allow me to help even more people more effectively, including you!
Learn Index Investing with Sebastien Aguilar

Why I am doing this

To be completely honest, I don't really need to do this. 

I am blessed to have discovered this knowledge and way of thinking early in my life and to have built an unique and amazing life with my wife. 

We don't need to work. 

We live from our balanced portfolio of index funds. And we've built our plan so that it is safe even in the case of the worst market crash of the history of financial markets.


I am not paying myself from this business right now, and I run it mostly in my spare time, when the kids are sleeping.


But when you don't need to work, you can ask questions such as "What will I do now? What gives me purpose and meaning?"


And to me, the answer has always involved having a positive impact around me. That is what has driven my choice of studies (sustainability and energy management) and my career, always seeking to scale my impact through my work.



And impact is what is driving me now.

I am doing this because I want to have an impact at multiple levels:

1. Index investing and personal finance

2. Index investing and the financial industry

3. Financial Independence

4. Effective Altruism

Index Investing and Personal Finance

The impact index investing and financial independence have had on my life and on my family is hard to overstate. We benefit from full financial security, freedom and confidence.

And that is something invaluable that unlocks so many aspects of our lives.

And I want you to benefit from it too. Because it will change your life too. And the lives of the people around you.

The impact of index investing on a personal level is incredible and I want as many people as possible to benefit from it.

Index Investing and the Financial Industry

While financial education can have a tremendous impact on the lives of the people who can get it, to me that is just the beginning.


My personal experience with the financial industry and my experience helping people who have deeply hurt by it makes me furious. It's unjust and it has to change. 


Financial education is the first step, but real change needs to take place at the system level, either bottom-up as I have started doing or top-down. I am hoping we can change the standards of the financial service industry so that everyone can benefit from the simple power of index investing. 

And we really need to stop paying insane fees to financial sales people that add very little value to their clients.

Financial Independence

Financial independence is a great goal to have, and it's also an amazing title for attracting people's attention. But financial independence, just like money, is just a tool. A tool to make our lives better and to make the lives of people around us better.

To me financial independence isn't only that far-away goal of not depending on a job income anymore. To me it is the journey that starts today. For every euro that you save and invest, it's a little more power that you gain over your own life. With every euro, you build a bit more security and freedom, with in turns allow you to be more in control and lets you be your real self.

Money and financial independence to me are also tools to make the world a better place.

I am hoping to build a movement of people seeking financial freedom and impact. I am hoping to find people who will join me in using their financial powers to help make the world a better place.

I write a lot about this on a separate blog called Impactivated.


Effective altruism

My research around what to do to have greater impact has led me to discover another incredible movement: effective altruism.


Effective altruism is a philosophy and social movement focused on answering one question: How can we best help others?

Our resources are limited, so we have to use them wisely. Effective altruism is the project of:

  • Using evidence and reason to find the most promising causes to work on.
  • Taking action, by using our time and money to do the most good we can.


It is a movement that seeks to optimize for positive impact, using reason and evidence. Simply for the good of everyone. I invite you to explore.

I am as much a member of the effective altruism community a I am of the financial independence community.

In fact my ultimate ambitions lie within effective altruism, as that is where I will have the greatest impact.

My current work is simply a stepping stone towards that. I am building a community of financially aware people who know how to optimize their ressources for happiness and fulfillment. And part of that is impact.

I am also building a business that is committed to doing good. Through its services but also through its donation to high impact charities such as the Against Malaria Foundation (which one of the best options we have here from Belgium).

As such I have taken the Giving What We Can pledge and committed to donating at least 10% of any profit I make. 

The rest goes back into developing the resources for the community and pays for the people in the team as well as the tools we use to run all this.

So that's my personal reward. Not a salary or pay, but a donation to a high impact charity that is doing extremely important work for people who need help the most.

The beauty of all this is that you don't need to buy into my personal values and commitment to charity, all you need to do is benefit from the work I do helping you getting started with index investing. 

The positive impact you help me achieve is simply a bonus on top :-)


Let's go!

Develop your wealth building system in just 6 weeks!

FAQ

  • What is the course format?

    The course includes several modules delivered to you over a period of 6 weeks. Each modules includes short videos (usually 5-20 min long) which you can watch on demand.

  • For how long do I have access to the course?

    It usually takes participants 6 to 8 weeks to go through the course and get started with their investments. But you have access to the course and the Q&A sessions for 1 full year. This is to ensure you actually take action and get started!

  • What if the material becomes out of date?

    Most of what the course covers is timeless as it is designed to work in any market situation. But we update the course on regular basis when there are for examples significant changes in taxes, brokers or ETFs. Of course, you get notified when the updates take place.

  • What if I have a question?

    Yes, please ask questions! That is why we have monthly Q&A sessions. You can submit your questions in advance and also ask questions on the day. We will record each session in case you miss it. I will also have access to the private community where you can benefit from my support and that of other index investors. We also have a library of Frequently Asked Questions which will grow over time and become a really good additional resource. We want ALL questions to be answered, even ones you think are stupid (they won't be, we love 'stupid' questions).

  • I don't know anything about investing, is this course for me?

    YES, we assume no prior knowledge. We will teach you everything you need to know, in a really clear and simply way, and help you when you get stuck. Anyone can learn to do this and benefit from the power of index investing.

  • I know how to trade stocks, is this course for me?

    Absolutely. We will show you how to invest in a simple and effective way that does not take your time away from your life. Much lower stress, much more efficiency, much more time. That is what index investing can do for you.

  • Will this course give me personalised financial advice?

    No, this course is educational and does not give specific investment instructions or advice. Instead we give you the tools and frameworks to take control, and make good decisions based on your personal situation. We are not financial advisors.

  • Why are you doing this if you've already reached financial independence?

    Many reasons. I am driven by impact and this is one area where I can have tremendous impact on people's lives, but also on society. Running this course gives me the financial ressources to hire people to help me do that at scale. And I am going beyond just this direct impact; I have taken the pledge of giving minimum 10% of profits to effective charities. I want my work to have the greatest impact possible and I believe effective altruism is a big part of the solution. This way I can have impact at 2 levels, even though I don't have to.

  • Yes of course, you can buy the course and then send us an email with your company details and we'll send you an invoice.

I hope to see you inside the course!

Join us!

This is a picture from one of our Q&A sessions :-)

Start today!

Develop your wealth building system in just 6 weeks!