You may have excess funds sitting in your business account. If you are certain that your business will not need these funds in the short term, you may consider investing them. While the money remains available, it is currently not generating a return.
At ING, you can invest directly from your business. In practice, this means opening a business investment account, either via the ING app or Mijn ING Zakelijk. Once opened, your investment account will appear alongside your other payment accounts. You decide how much to invest and can monitor your portfolio and its performance in real time. The value of your investments can rise as well as fall.
"}},{"componentType":"sectionTitle","title":"Investing through your Business or Personal account?"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/asset/2a9cdd8b-61f3-4b01-a2dd-da6cd447a875/Woman-think-saving-investing.svg","transformBaseUrl":"https://assets.ing.com/transform/2a9cdd8b-61f3-4b01-a2dd-da6cd447a875/Woman-think-saving-investing"},"componentType":"paragraph","richBody":{"value":"If you invest through your company, you open a business investment account and any returns remain within the business. The advantage is that your money can continue to grow without first being withdrawn from the company.
Another option is to transfer the funds to your personal account first and invest them privately. In that case, the investment is held outside the business and is generally taxed as part of your personal assets.
Both options can be attractive, and the right choice depends on your specific situation. Factors such as your business structure, financial goals and tax position may influence the decision. Discuss your options with your accountant or financial adviser.
"}},{"comparisonCardList":[{"cta":{"componentType":"cta","textLink":{"text":"Read more about Business investing","url":"/en/business/investments"}},"title":"Investing directly from your Business Account","usps":[{"body":"Funds remain within your business","iconType":"check-mark"},{"body":"Open a business investment account with ING","iconType":"check-mark"},{"body":"You need a Legal Entity Identifier (LEI)","iconType":"check-mark"},{"body":"Choose how you invest: self-directed investing, investing with portfolio management, or investing via the stock exchange","iconType":"check-mark"},{"body":"Investment gains remain within the business","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Read more about investing out of your private account","url":"/particulier/beleggen"}},"title":"Transfer funds personally before investing","usps":[{"body":"Transfer funds from your business account to your personal account, for example through a dividend payment","iconType":"check-mark"},{"body":"The funds become part of your personal assets","iconType":"check-mark"},{"body":"Open a personal investment account","iconType":"check-mark"},{"body":"Investments are taxed as part of your private assets","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"Investing directly from your Business Account,Transfer funds personally before investing"},{"componentType":"sectionTitle","title":"What do you need to start business investing?"},{"componentType":"paragraph","richBody":{"value":"To invest through your business, you need a Legal Entity Identifier (LEI). An LEI is a unique identification code for businesses used in financial transactions. Think of it as an additional identification number, similar to a Chamber of Commerce registration number, but specifically intended for investing activities.
"}},{"accordionList":[{"richBody":{"value":"Financial regulations require legal entities investing in financial instruments to be identifiable through an LEI. This helps create transparency in financial markets and supports regulatory oversight.
"},"title":"Why is an LEI Required for Business Investing?"},{"richBody":{"value":"You can apply for an LEI through an accredited registration authority. In most cases, the application process can be completed within a few days.
"},"title":"Arrange your LEI yourself"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Ready to start investing for your business?"},{"accordionList":[{"richBody":{"value":"Decide how much of your available business capital you would like to invest and transfer this amount to your investment account.
"},"title":"Transfer funds to your investment account"},{"richBody":{"value":"Select the investment approach that best suits your goals and experience level. Options may include self-directed investing, portfolio management or investing in funds.
"},"textLinks":[{"text":"Read more about investing for entrepeneurs","url":"/en/business/investments/investing-for-entrepeneurs"}],"title":"Choose how you want to invest"},{"richBody":{"value":"If you are new to investing, consider starting with a smaller amount. This allows you to gain experience while limiting your exposure to market fluctuations.
"},"textLinks":[{"text":"Read more about investing for self employed","url":"/en/business/investments/investing-for-self-employed"}],"title":"Start small"}],"componentType":"accordion"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/asset/b9ac9536-4381-4e19-bc43-36a793d171e4/Business-Illustration-product-card-Easy-invest.svg","transformBaseUrl":"https://assets.ing.com/transform/b9ac9536-4381-4e19-bc43-36a793d171e4/Business-Illustration-product-card-Easy-invest"},"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You may lose part or all of your investment. Read more about the risks associated with investing and ensure you understand the applicable terms and conditions before investing.
Some investments may contribute to environmental or social objectives. Certain ING investment solutions take sustainability factors into account during the investment process. Please review the relevant investment policy documentation for more information.
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