Spread between movable and immovable property | BNT Diamonds
Shutterstock 1100428106

Investment tip: spread between movable and immovable property

06 Jul 21
Tierra mallorca Np Tb V Okkom8 unsplash

When investing, a good spread between movable and immovable property is recommended on a fiscal level. When building your financial wealth, you shouldn’t put all your eggs in one basket. To reduce the risks, you should rather spread your assets as much as possible. Spreading your movable and immovable properties is an example of a way everybody can use to spread their risks. Immovable property includes, for example, a family home, a second residence by the sea or abroad, a house or plot you rent out. Movable property includes savings, shares, bonds or more alternative investments like diamonds, art or wine.


From a fiscal point of view, using the ratio of 50% movable and 50% immovable property when investing is ideal. However, you should also consider the economic realities and the risk diversification within your investment portfolio. A portfolio with one house of €750,000 and a package of shares, bonds and cash worth €1,250,000 is safer than a portfolio with a second residence by the sea worth €1,000,000 and a package of shares worth €1.,000,000, even though the latter portfolio is better spread out from a fiscal point of view. The second portfolio proves a much larger risk than the first one.

Benefit from inheritance tax

In Flanders specifically, there is an added bonus for a well spreading of movable and immovable property. Often, you have to pay less inheritance tax. If the spouse, children or grandchildren are the heirs, the inheritance tax is in fact calculated separately for the movable and immovable property that is part of the heritage. This way, the lowest tariff band can be used twice. This tax advantage does not come into play when it concerns, for example, nieces and nephews.

The consultants of BNT Diamonds will help you regarding investing in diamonds. They have accumulated many years of professional experience based on knowledge that was - and is - passed over from generation to generation. Their expertise has come from multiple projects in the diamond and jewelry industry, in all stages of production and at all relevant locations worldwide.

Fabienne Rauw
About Fabienne Rauw
BNT Diamonds Antwerp

Fabienne, manager of the German market is able to guide every client with finding the right jewel. She takes care of most of the German orders, but also takes other task on her plate. Thanks to her six years of experience at BNT Diamonds she acquainted well with the product and the marketing around it. Her degree in PR ensures that BNT Diamonds is well presented across all media channels. For anyone looking into a new investment opportunity, Fabienne is the perfect guide in this process. No question will be left unanswered, and she will help you every step of the way.

With this article, BNT Diamonds strives to inform you thoroughly about investing in diamonds. No investment can be guaranteed to be without risk or fully according to your expectations. That is why we recommend to research the risks and aspects of investing in diamond properly to ensure that you make the right choice for your portfolio.