Curvo Academy — Retirement & FIRE hub (Option B)

Dedicated category page for /academy/retirement-fire: black theme with green accents, "start here" on-ramp pointing to the FIRE-in-Belgium guide, 4 sub-sections (Pensioensparen, State pension, FIRE, International equivalents), all 18 articles distributed.

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Academy / Retirement & FIRE

Retire on your terms.

State pensions are shrinking and pension-saving products are confusing. We cover what to expect from the state, how pension-saving products compare, and how to build a retirement that doesn't depend on either.

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How to FIRE in Belgium (Financial Independence Retire Early)

If you're tired of the default Belgian retirement story, start here. The math behind FIRE, the savings rates that get you there, and how to apply it to a Belgian salary.

14 min read · Updated January 2026

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Four paths through retirement and FIRE

01

Belgian pension saving

Pensioensparen explained, the funds that exist, and how it compares to ETFs.

02

The state pension

What to expect from the Belgian system, and why a backup plan matters.

03

FIRE and financial freedom

Retiring early, freelancer paths, and getting to financial independence.

04

International equivalents and other vehicles

The European answers to 401(k), Roth IRA, plus PEA and branch 23.

What else we cover

ETF investing

What ETFs are, how to choose them, and how to hold on for the long run.

66 articles →

Taxes

What Belgian and Italian ETF investors owe, and when.

22 articles →

Brokers

Reviews of every broker available in Europe.

77 articles →

Best ETFs

Our pick of the best ETFs by region, theme and asset class.

30 articles →

Personal finance

The money basics nobody taught you in school.

21 articles →

Glossary

Plain-English definitions of the terms that trip people up.

8 articles →

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