Is business going well? Then you’re building up capital in your company or BV. Do you keep that capital in the business and start investing there? Or do you pay out part of it to yourself and invest personally? These options have different tax implications. The size of your assets and the related taxes matter here. Always consult your accountant, bookkeeper or tax adviser before making a choice.
"}},{"componentType":"sectionTitle","title":"Investing within your company/BV"},{"componentType":"paragraph","richBody":{"value":"One option for entrepreneurs is to invest directly through your company/BV. You invest with business assets you don’t need in the short term. Any returns earned within your company are taxed there.
"},"textLinks":[{"url":"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/zakelijk/winst/vennootschapsbelasting/","text":"Tax on business assets (Dutch site)"}]},{"componentType":"sectionTitle","title":"Paying out dividends and investing personally as an entrepreneur"},{"componentType":"paragraph","richBody":{"value":"You can also choose to invest with personal funds. You transfer surplus capital from your company/BV to your personal account via a dividend payout. The company withholds dividend tax and files the return. In your personal income tax return, the dividend is reported in Box 2. The withheld dividend tax can be offset in your income tax return. ING recommends discussing this with a tax adviser. Once the funds are in your personal account, they are considered personal assets and taxed accordingly.
"},"textLinks":[{"url":"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/vermogen_en_aanmerkelijk_belang/aanmerkelijk_belang/inkomsten_uit_aanmerkelijk_belang/","text":"Transferring assets to personal (Dutch site)"},{"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":"The tipping point: business or personal investing from your company"},{"componentType":"paragraph","richBody":{"value":"Whether investing in your company or personally is more beneficial depends on your situation. That’s why it’s important to discuss your investment plans with your accountant or bookkeeper. Which option suits you and your company depends on factors such as:
Want advice on which option might be right for you and your company? 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/cec6f1b2-b634-48be-bb17-db20c97e8fae/Close-up-view-of-multi-colored-abacus-beads","original":"https://assets.ing.com/m/39b23b3d2a1df620/original/Close-up-view-of-multi-colored-abacus-beads.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Always an investment solution that fits you and your company"},{"componentType":"paragraph","richBody":{"value":"Whether you choose to invest through your company or personally, we always have an investment solution that suits you.
"}},{"componentType":"cards","cards":[{"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":"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":"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 from your company","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 Managed Portfolio 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":"Interested in investing from your company? Get to know one of our advisers and our products – with no obligation. If the conversation feels right, we’ll take plenty of time for the next step:
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 aboutinvesting from your company? If you’re considering investing from your private limited company, we recommend using funds your business can afford to miss. This amount varies for every company. Always keep a solid buffer for unexpected expenses or investments. Will your business need (part of) the funds 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 from my company?","richBody":{"value":"Every company can start investing. In theory, any private limited company can choose to start investing. You can begin with as little as €10. There are several investment options available. type of investing 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/private-banking/knowledge-and-insights/entrepreneurship/investing-through-the-holding-company","text":"Invest through your holding"},{"url":"/en/business/investments/investing-for-entrepeneurs","text":"Invest for entrepeneurs"},{"url":"/en/business/investments/lei-information","text":"Apply for an LEI"},{"url":"/en/business/investments/investing-for-associations-and-foundations","text":"Investing for associations and foundatoins"},{"url":"/en/business/investments/investing-for-a-general-partnership","text":"Investing for a general partnership (VOF)"},{"url":"/en/business/investments/investing-for-self-employed","text":"Investing for self employed"}]},{"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.
"}}]}}}