Is your sole proprietorship doing well? Then you’re building up capital. Do you leave it in a business (savings) account, or invest (part of) it?
As a self-employed professional, you can invest in two ways:
What’s best for you depends on your situation. It’s different for everyone and has various tax implications. The size of your assets also matters. Make sure you’re well informed or speak to your accountant, bookkeeper or tax adviser before making a choice.
"}},{"componentType":"sectionTitle","title":"Business investing as a self-employed professional"},{"componentType":"paragraph","richBody":{"value":"You can invest directly from your sole proprietorship. That means using the business assets you don’t need in the short term. Any returns are taxed in Box 1.
"},"textLinks":[{"url":"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/boxen_en_tarieven/box_1/","text":"Tax on business assets in a sole proprietorship (Dutch site)"}]},{"componentType":"sectionTitle","title":"Personal investing as a self-employed professional"},{"componentType":"paragraph","richBody":{"value":"Another option is to invest with your personal assets. You transfer the money you don’t immediately need in your business to your personal account and invest from there. These assets are taxed in Box 3.
"},"textLinks":[{"url":"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/boxen_en_tarieven/box_3/box_3","text":"Tax on personal assets (Dutch site)"}]},{"componentType":"sectionTitle","title":"Business or personal investing: what’s right for you?"},{"componentType":"paragraph","richBody":{"value":"The tipping point between business and personal investing is individual and different for everyone. That’s why it’s important to get informed or discuss your investment plans with your accountant, bookkeeper or tax adviser. Which option suits you and your business depends on several factors, including:
Want advice on which type of investing might be right for your business? Book a free video call with one of our advisers.
"},"textLinks":[{"url":"/en/personal/savings-and-investing/afspraak-vermogen-en","text":"Check available dates and times"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/bf6e1876-6470-4ac2-89df-facef6d19262/Close-up-of-desk-with-office-appliances-a-glass-of-water-and-a-cup-of-coffee","original":"https://assets.ing.com/m/719ed1aecbf0f743/original/Close-up-of-desk-with-office-appliances-a-glass-of-water-and-a-cup-of-coffee.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Investing as a self-employed professional with ING"},{"componentType":"paragraph","richBody":{"value":"Choose ING for investing as a self-employed professional and benefit from decades of expertise and peace of mind.
Our investment options are designed for self-employed professionals who want to start investing either business or personal. You can easily indicate your choice during the application process.
"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Easy Invest","intro":"The ready-made solution: no hassle, no worries","image":{"transformBaseUrl":"https://assets.ing.com/transform/8973596b-41b0-4200-ab06-dc1fa294d335/Portrait-of-happy-young-man-sitting-at-table-making-pottery","type":"image","width":5700,"original":"https://assets.ing.com/m/20b8d5c497d52ffc/original/Portrait-of-happy-young-man-sitting-at-table-making-pottery.jpg","extension":"jpg"},"link":{"url":"/en/business/investments/easy-invest"},"checkMarkList":["Popular with beginners (many customers start every week)","If sustainability matters to you too","You can start with small amounts"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Self Invest","intro":"Buy and sell independently","image":{"transformBaseUrl":"https://assets.ing.com/transform/2be6815b-5986-4571-995e-4ec81723aeee/A-young-girl-hugs-her-father-who-is-repairing-the-wheel-of-her-bike","type":"image","width":1920,"original":"https://assets.ing.com/m/598ce9d65c61852c/original/A-young-girl-hugs-her-father-who-is-repairing-the-wheel-of-her-bike.jpg","extension":"jpg"},"link":{"url":"/en/business/investments/self-invest"},"checkMarkList":["No transaction fees for online buying and selling of funds and ETFs","Trade globally straight from the investment app","Access insights from the ING Investment Office"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Portfolio Management","intro":"Guided by an advisor","image":{"transformBaseUrl":"https://assets.ing.com/transform/977c707e-4707-4239-bb70-785c84b52799/A-young-man-sits-at-a-table-with-a-television-behind-him-on-which-the-camera-flash-is-reflected","type":"image","width":5616,"original":"https://assets.ing.com/m/6a744e712e13b63f/original/A-young-man-sits-at-a-table-with-a-television-behind-him-on-which-the-camera-flash-is-reflected.jpg","extension":"jpg"},"link":{"url":"/en/business/investments/portfolio-management"},"checkMarkList":["Possible from € 50.000","5 different investment strategies","Free introductory video call"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Pension investing","intro":"Build additional pension easily","image":{"transformBaseUrl":"https://assets.ing.com/transform/7eb07b69-741d-4672-b7ac-c3ad2db54076/A-woman-drinks-water-and-eats-food-while-talking-on-the-phone-and-working-on-her-laptop-in-a-cafe","type":"image","width":1920,"original":"https://assets.ing.com/m/12cbed0f8e5e4e3e/original/A-woman-drinks-water-and-eats-food-while-talking-on-the-phone-and-working-on-her-laptop-in-a-cafe.jpg","extension":"jpg"},"link":{"url":"/en/business/investments/pension-investing"},"checkMarkList":["Tax benefit up to 49.5% on your contributions","Contributions and accumulated value exempt from wealth tax","All via your own bank"],"promotionalLabel":{"labelType":"operational","body":"New"}}]},{"componentType":"accordion","accordionList":[{"title":"Good to know about investing as a self-employed professional","richBody":{"value":"Investing comes with risks and costs. You could lose your investment or part of it.
Investments that contribute to environmental or social goals can be part of our investment solutions, such as Portfolio Management and Easy Investing. However, they don’t exclusively focus on these types of investments – investing in financially strong companies is also important. Find out more about ING’s Sustainable Investing policy here.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/risks-of-investing","text":"Read more about the risks of investing and how to reduce them"},{"url":"/en/personal/investing/service/general-terms--conditions","text":"General terms and conditions for investing"}]}]},{"componentType":"sectionTitle","title":"Clear on what it can bring you"},{"componentType":"paragraph","richBody":{"value":"Not sure which investment option suits you best as a self-employed professional? Portfolio Management, Easy Invest or Self Invest? Book a video call to discuss your options with one of our advisers. They’ll be happy to help you explore how you can invest as a self-employed professional.
Your benefits of a free video call:
That depends on the investment solution you choose.
Planning to invest €50,000 or more? Then you can invest with ING experts via Portfolio Management in 5 investment strategies. Prefer Easy Investing? Then you can choose from 1 of 4 ING Global Index Portfolio funds. With Self-Investing, you decide where to invest. You’ll have access to a wide range of funds, shares, bonds, ETFs and other investment instruments.
Thinking about investing as a self-employed professional? We recommend using funds your business can afford to miss. This amount is different for everyone. Always keep a savings buffer for unexpected expenses. Will your business need (part of) the savings in the short term? Then don’t invest that money. Investing is for the long term. A year with negative returns can be offset in the years that follow. Investing comes with risks and costs. You could lose your investment or part of it.
"}},{"title":"Can I invest with business funds as a self-employed professional?","richBody":{"value":"In theory, every self-employed professional can start investing. You can start with as little as €10. Check which investment solution suits you and your business. Not sure? Book a video call to discuss your options with one of our advisers.
"},"textLinks":[{"url":"/en/personal/savings-and-investing/afspraak-vermogen-en","text":"Check available dates and times"}]},{"title":"Should I invest business or personal?","richBody":{"value":"It depends on your situation which is more tax-efficient: business or personal investing. Read more on this page.
"},"textLinks":[{"url":"/en/business/investments/invest-business-or-private","text":"Business or personal investing"}]},{"title":"What are the tax rules for business investing?","richBody":{"value":"Tax is an important part of business investing. How much tax you pay affects your net return. Read more about the tax rules for your returns as an entrepreneur on this page.
"},"textLinks":[{"url":"/en/business/investments/business-investing-and-tax","text":"Business investing and tax"}]},{"title":"What could investing bring me?","richBody":{"value":"Calculate here what investing from your business could bring you.
"},"textLinks":[{"url":"/en/business/investments/calculate-business-investing","text":"Calculate business investing"}]},{"title":"Want to discuss with an adviser first?","richBody":{"value":"Not sure whether to invest personally or through your business? Or which investment solution suits you and your business best? Or do you simply have questions about investing? Book a video call with one of our advisers at a time that suits you.
Your benefits:
Check available dates and times
"}}]},{"componentType":"linkList","iconTitle":{"title":"Also interesting for you"},"textLinks":[{"url":"/en/business/investments/lei-information","text":"Apply for an LEI"},{"url":"/en/business/investments/investing-for-entrepeneurs","text":"Investing for entrepeneurs"},{"url":"/en/business/investments/investing-from-your-company","text":"Investing from your company"},{"url":"/en/business/investments/investing-for-associations-and-foundations","text":"Investing for associations and foundations"},{"url":"/en/business/investments/investing-for-a-general-partnership","text":"Investing for a general partnership (VOF)"}]},{"componentType":"paragraph","richBody":{"value":"* This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.
"}}]},"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.
"}}]}}}