Many people think their finances are “just fine”. As long as the bills are paid and there are no debts, everything seems under control. But being Financially in Top Condition means more than just avoiding problems. It is about overview, seizing opportunities and looking strategically ahead.
Yet practice shows that many people leave money unnoticed. Not because they make mistakes, but because they simply do not know what they are missing. In this blog, you will read 7 signs that you too may be missing out on financial opportunities.
- You haven't had a thorough financial check done for years
Like your car, your financial situation needs a regular ‘MOT’. Taxes change, mortgage rates fall, your family situation changes - but do you adjust your plans accordingly? Those who never have their finances analysed often miss out on structural savings and optimisations.
Tip: An independent financial assessment (such as FIT) exposes blind spots you don't think of yourself. - You pay your mortgage as if it were still 2013
Have you not scrutinised your mortgage rate or form in recent years? If so, you are probably paying too much. Or you may have missed opportunities to shorten your term, reduce monthly payments or use surplus value for other purposes.
Fact: Many homeowners remain unnecessarily stuck in an expensive interest rate fix or fail to take advantage of their low-risk class. - You have insurances you don't understand (or have duplicates)
From death risk to disability: how often have you really looked at your coverages? Too often, people turn out to be over-insured, under-insured or pay for years for something that is no longer relevant.
Result: smarter insurance = lower premium, better coverage and peace of mind in case of unexpected events. - You are not taking advantage of all the tax benefits to which you are entitled
From deductions for your pension to smart schemes when donating or investing: the tax authorities offer more opportunities than you think. Only... you have to know about them and take advantage of them.
For entrepreneurs: unused tax space or inefficient BV structures cost thousands of euros annually. - You don't know if you can really stop working later on
You save. You might have an investment account. But will that be enough to stop working later when you want, without compromising your lifestyle? Many people build up assets without knowing whether they will be sufficient in practice.
FIT insight: The Financial in Top Condition assessment tests the extent to which your current financial situation matches your future plans. In doing so, it provides substantiated insight into possible improvements. - Your assets are not used to their full potential
Many people accumulate wealth but leave it largely stagnant. Savings in a regular account hardly yield anything, so the value decreases over time. At the same time, opportunities to grow and strengthen one's financial position are not taken advantage of.
Tip: Those who link assets to clear goals and an appropriate strategy create more grip, more returns and more future opportunities, without the need for major risks. - You trust your gut, not a strategy
“It feels good the way things are going.” Recognisable? Unfortunately, feeling is no guarantee of optimal choices. Without a strategy, you miss out on structure, peace and efficiency.
Conclusion: Financially in Top Condition is only when everything is in balance, your income, risks, assets and future plans.
How do you know if you are in Top Financial Condition?
The Financial in Top Condition assessment provides a complete and objective picture of your financial situation. All components are carefully analysed, from income and assets to future plans and risks. This provides concrete insight into where you stand and where optimisation is possible.
Want to discover what you can save, improve or optimise?
