What we do

Investments vary in risk and return; the two are related, but risk may be a little different than you think.

Independent and transparent

At sparen-beleggen.nl, we pride ourselves on being independent. We are among the few financial advisors in the Netherlands who are truly unbound. This means that we have no obligations to banks or chains, and work entirely in your interest.

Our approach combines a wide range of options with personal attention. No standard solutions, but customized solutions that fit exactly your needs and situation. With us, you get honest, interest-free advice, always tailored to what is best for you.

At sparen-beleggen.nl we ensure that you can always count on up-to-date advice, fully tailored to your situation. No dertien-in-a-dozen approach, but a personal approach that grows with you.

With a permanent advisor as your point of contact, you have a trusted advisor who knows your financial goals inside out. Every year we carry out an extensive financial check, during which we look together at your progress and any new opportunities or risks. So your finances always stay on track.

Access to specialists

Our advisors at are, at a minimum, certified financial planners (CFP). That means you can count on in-depth knowledge and experience. For more complex financial issues, we work with a network of specialists, so you always have access to the right expertise.

Whether it's retirement planning, tax issues, or strategic investing, our team is ready to help you further. Thanks to our flexible and expert approach, you'll always get the advice that's right for you.

Want to discover how our specialists can bring your financial goals closer? Contact us today for a no-obligation consultation.

The saver is someone who chooses security over returns. Low risk resulting in very low returns. The main goal is capital preservation and having money readily available for unforeseen expenses.

Defensive investors are cautious and want to minimize risk. They invest mainly in bonds and safe mutual funds. Returns are moderate, but preserving capital is the top priority.

These investors seek a balance between return and risk. They invest in a mix of bonds, stocks and real estate. Although there may be some volatility, they aim for stable long-term growth.

Moderately offensive investors accept some risk for potentially higher returns. They invest primarily in stocks and diversify their portfolio to spread risk.

Offensive investors have a higher risk tolerance level and invest primarily in stocks. They seek significant long-term growth and accept temporary market volatility.

Willing to accept significant fluctuations. They invest in stocks, often with a specific focus, derivatives and volatile sectors for maximum growth, with significant short-term fluctuations.