Which option is more tax-efficient – business or private investing – depends on your situation. That’s why it’s important to discuss your investment plans with your accountant, bookkeeper or tax adviser.
What suits you depends on several factors, such as:
Do you invest directly with your business assets from your company? Or do you transfer part of those assets to yourself to invest privately? Both options have different tax consequences.
"}},{"componentType":"accordion","accordionList":[{"title":"Tax and business investing","richBody":{"value":"Whether you invest as a business or privately, always do it with money you can spare for the long(er) term.
Are you self-employed with a sole proprietorship? Then you pay income tax on your business profit. This is taxed in Box 1. If you then use part of your profit to invest, that amount is taxed in Box 3. Investments can only be counted as part of the business in exceptional cases.
Important for business or private investing: always discuss your choice with your accountant, bookkeeper or tax adviser.
"}},{"title":"Tax and investing with private money","richBody":{"value":"Of je nu zakelijk of privé belegt, doe dit altijd met geld dat je niet op korte termijn nodig hebt.
Important for business or private investing: always discuss your choice with your accountant, bookkeeper or tax adviser.
"}}]},{"componentType":"sectionTitle","title":"What are the differences between business and private investing?"},{"componentType":"paragraph","richBody":{"value":"Feel free to ask these and other questions to one of our advisers. That way, you’ll know which type of investing might suit you as an entrepreneur – for example, if you’re considering investing from your limited company.
"},"textLinks":[{"url":"/en/personal/savings-and-investing/afspraak-vermogen-en","text":"Schedule a free video call"}]},{"componentType":"sectionTitle","title":"Business or private: always an investment option that suits you"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Business investing","intro":"Through your ING business account: check everything about the options, costs and more","image":{"transformBaseUrl":"https://assets.ing.com/transform/e7ad795a-75e4-43d9-9606-1d012c7e136e/ING_Investment_Office_Lorenzo_Pistone_2","type":"image","width":3500,"altTextNL":"Lorenzo Pistone","original":"https://assets.ing.com/m/30fdbb9ec425f1fe/original/ING_Investment_Office_Lorenzo_Pistone_2.jpg","extension":"jpg"},"link":{"url":"/en/business/investments"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Private investing","intro":"Through your ING current account: check everything about the options, costs and more","image":{"transformBaseUrl":"https://assets.ing.com/transform/a90bc97d-e087-4713-bd22-dc498b82653c/Headerbeeld_visie_2025","type":"image","width":1920,"original":"https://assets.ing.com/m/4bd4d46fc31fb8fd/original/Headerbeeld_visie_2025.jpg","extension":"jpg"},"link":{"url":"/en/personal/investing"}}]},{"componentType":"sectionTitle","title":"Want to know what investing could bring you?"},{"componentType":"paragraph","richBody":{"value":"Easily calculate your expected return for business or private investing:
Please note: Past performance is not a guarantee of future results. The value of your investments can fluctuate. Past results offer no guarantee for the future. Investing involves risks and costs. You can lose your investment or part of it.
Investments that contribute to environmental or social goals can be part of our investment options Portfolio Management and Easy Invest. However, they do not exclusively aim to invest in such assets – investing in financially attractive companies is also important. For more information about ING’s Sustainable Investing policy, visit ing.nl/ESG.
"}},{"componentType":"linkList","componentStyle":"default","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","width":2500,"original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","extension":"png"},"title":"Also interesting for you"},"textLinks":[{"url":"/en/business/investments","text":"More about business investing"},{"url":"/en/business/investments/business-investing-and-tax","text":"Business investing and tax: how does it work?"},{"url":"/en/business/investments/calculate-business-investing","text":"Calculate returns for business investing"},{"url":"/en/business/investments/investing-from-your-company","text":"Investing from your company"},{"url":"/en/business/investments/investing-for-self-employed","text":"Investing for self employed"},{"url":"/en/business/investments/investing-for-a-general-partnership","text":"Investing for a general partnership"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.
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