What is Easy Invest?
Easy Invest is a ready-made solution where you invest in one of four ING Global Index Portfolio funds. These funds are put together by experts and provide good diversification. You can start from €10 and easily deposit and withdraw money via the ING App.
Which funds can I invest in with Easy Invest?
You can choose from four ING Global Index Portfolio funds with different risk profiles:
Can I change my chosen fund with Easy Invest?
Yes, you can change the fund you invest in via your Easy Invest dashboard in the app or in Mijn ING. Go to your investment account and under "Settings" choose "Change fund". The change takes about 6 working days and there are no purchase or sales costs.
How long does it take before my deposit or withdrawal with Easy Invest is processed?
Orders placed before 14:30 are executed at the price (NAV) of the next working day. It takes two working days before you see the deposit or withdrawal in your overview. Orders placed after 14:30 are processed at the price of two working days later and are visible on the third working day. For a withdrawal, the money is automatically transferred to your current account once the order has been fully processed.
What are the historical returns of Easy Invest?
For the historical returns of Easy Invest, see this page.
If I invest with Easy Invest, how can I sell my investments?
If you invest with Easy Invest and want to sell investments, you place an order yourself via your ING App or Mijn ING.
There are no sales costs for a withdrawal from your Easy Invest account.
If I invest with Easy Invest, how can I sell my investments?
If you invest with Easy Invest and want to sell investments, you place an order yourself via your ING App or Mijn ING. Open the ING App or Mijn ING and go to your Easy Invest investment account. Then click the blue Withdraw button and follow the steps. There are no sales costs for a withdrawal from your Easy Invest account.
Why can a withdrawal with Easy Invest sometimes take a little longer?
With Easy Invest, you invest in a fund. Sell orders placed before 14:30 are executed at the price (NAV) of the next working day. It takes two working days before you see the withdrawal in your current account. Orders placed after 14:30 are processed at the price of two working days later and are visible on the third working day. Especially around public holidays, an order may take a little longer. The stock exchange is often closed on public holidays.
Why can a deposit with Easy Invest sometimes take a little longer?
With Easy Invest, you invest in a fund. Orders placed before 14:30 are executed at the price (NAV) of the next working day. It takes two working days before you see the deposit in your overview. Orders placed after 14:30 are processed at the price of two working days later and are visible on the third working day. Especially around public holidays, an order may take a little longer. The stock exchange is often closed on public holidays.
How often are prices updated with Easy Invest?
The price of the ING Global Index fund is determined once a day. Normally, you can see this price in your portfolio by 17:00 at the latest. At weekends and on some public holidays, no price is determined and it may take a little longer before you see a change.
How can a negative balance arise on the cash part of my Easy Invest account?
With Easy Invest, it may occasionally happen that a negative cash balance arises.
The cash part can go into the red because of a service fee debit. The service fee is automatically debited every quarter by selling part of the investments equal to the service fee due. If your portfolio is empty and there are no units available to sell, the service fee is debited from the cash part. If the cash balance is zero, it goes negative.
The cash part can also temporarily go negative because of a recurring order. When a recurring order is executed, it is created before the money has been debited from your current account. This can cause the accrued balance to be negative until the debit has been processed. This usually takes only a few hours and happens early in the morning. Once the debit has been completed, your balance is back to zero or positive.
If the cash part remains negative, you can transfer the amount yourself via the orange Transfer money button. You can find this button in Mijn ING; it is not yet available in the ING App at this time.
Can I cancel my deposit into my Easy Invest account?
You can only cancel an Easy Invest order if the order has not yet been sent to the exchange. This happens every working day at 14:30. The order can only be cancelled in the ING App. To do this, click My orders and click the pending order. If you can still cancel the order, an orange Cancel button will be visible at the bottom.
If you have cancelled an order, the amount remains in the cash part of the investment account. You can transfer this amount back yourself via the orange Transfer money button in Mijn ING.
Please note: if Round up and Invest is switched on, you first need to switch it off before you can transfer the money back.
Where can I find information about the Easy Invest cashback promotion?
If you took part in a cashback promotion and met the conditions, you will receive the cashback in your current account 4 months after your investment account was opened. Did you take part and do you have questions? View the terms and conditions for all promotions on this page.
Where can I find information about the cashback promotion or welcome bonus for Easy Invest or Self Invest?
Over the past period, there have been several promotions where you receive a bonus if you opened a new investment account during a specific period.
Did you take part in one of the promotions and do you have any questions? View the terms and conditions for all promotions on this page.
If I have requested a fund switch with Easy Invest, what happens to my investments in the meantime?
You can change the fund you invest in via your Easy Invest dashboard in your app or in Mijn ING. Go to your investment account and under "Settings" you will find the option "Change fund".
During the fund switch, we first sell your current fund. Once that sell order has been completed, we use the proceeds to buy the newly selected fund.
When the fund change has been completed successfully, you will see this as a withdrawal from your old fund and a deposit into your new fund in the order overview and in the debit and credit entries of your Easy Invest account.
Changing a fund does not involve purchase or sales costs and takes about 6 working days.
Please note: if there is a pending purchase or sell order, you cannot change your fund at that time. You can do so again once the full order has been executed.
What is Self Invest?
With Self Invest, you make all investment decisions yourself. You can trade in a global range of shares, ETFs (trackers), investment funds, bonds, options and leveraged products.
More information:
Invest yourself? View the options here - ING
What can I invest in with Self Invest?
You can invest in a broad range of shares, investment funds, ETFs/trackers, bonds, options, structured products and leveraged products such as ING Sprinters.
More information:
https://www.ing.nl/particulier/beleggen/hoe-werkt-beleggen/beleggingsinstrumenten
How can I place an order?
You can place an order via the ING App or Mijn ING. You can choose from different order types:
Where can I find my orders and transactions?
In the ING Mobile Banking App, you can find your order overview under the My orders button on your portfolio overview. Here you can see the status of your pending, recurring, executed and expired orders. You can find the transaction overview under Settings.
I cannot find a specific share or fund in the app. Why is that?
A specific share or fund may not be included in the ING Self Invest range. You can use the search and filter function in the app to search the available range.
Can I invest periodically with Self Invest?
Yes, you can set up automatic recurring orders for funds and for ETFs from the ING ETF Top Selection. For shares, you can place recurring orders yourself by manually creating an order.
How can I invest in options?
To trade options, you need a Self Invest account, you must pass the knowledge and experience test for options in Mijn ING and you must request an options agreement. It is important that you understand the risks of options.
How can I respond to an offer for shares?
In the ING Mobile Banking App, click your Self Invest investment account. Then click Settings. Under useful links, go to Bid for shares. If there is an offer you can respond to, it will be displayed there. If you want more information about the offer itself, check the website of the company for which the offer has been made.
How can I use claim rights?
In the ING Mobile Banking App, click your Self Invest investment account. Then click Settings. Under useful links, go to Capital increases. If there is a claim you can respond to, it will be displayed there. If you want more information about the claim itself, check the company website.
How do I arrange admission tickets for the shareholders’ meeting for shares I hold in my portfolio?
If the registration period is open, you can register for the shareholders’ meeting via Mijn ING. This is not yet possible in the app. Go to the Self Invest account and then click Arrange. You can then click Register for AGM. In general, you will receive the admission tickets by email a few days before the shareholders’ meeting.
How can I respond to an offer for bonds?
Do you want to respond to an offer for your bonds? This is not yet possible via the ING Mobile Banking App.
If there is an offer for bonds and you want to use it, you can contact an employee. The employee can record your choice and help you pass on your instruction.
For more information about the offer itself, please consult the documentation from the party that made the offer.
How can I submit an opt-out choice for an offer for shares?
Is there an offer for shares where you want to choose an opt-out? You cannot currently submit this choice yourself online via the ING Mobile Banking App.
Please contact an employee. The employee can help you submit your opt-out choice and checks whether this is possible within the terms of the offer.
More information about the opt-out arrangement can be found in the terms of the offer on the website of the company concerned.
How can you invest periodically with Self Invest?
If you have a Self Invest account, you can also set up recurring investing. For the time being, this is only possible for investment funds. In the ING App, go to your investment overview. Click the blue Explore button and search for the name of the fund. You can now click Deposit. If you then choose Recurring, you can choose to deposit weekly, monthly or quarterly. For each recurring order, we automatically transfer the money needed for the deposit from the current account to the cash part of your investment account.
How can you change a recurring order with Self Invest?
If you want to change a recurring order for a Self Invest account, first cancel the current order and then schedule a new recurring deposit.
Can I also automatically transfer money to the cash part of my investment account?
No, you cannot periodically transfer money from your current account to the cash part of your investment account.
Which ETFs are included in the ING ETF Top Selection?
At ING, you can invest without transaction costs in ETFs that are part of the ING ETF Top Selection. See this page for the range of ETFs included in the ING ETF Top Selection and for more information.
How can I sell investments if I invest with Self Invest?
Selling investments with Self Invest is easiest by clicking the investment you want to sell in the portfolio overview. Then choose Sell and follow the steps.
Where can I find the value date of my sell order?
You can find this in the transaction overview.
Where can I find what I need in the Mijn ING environment for my Self Invest account?
In Mijn ING, you can find your Self Invest account under Investment account. Within your investment account, you can find the following functions:
Via Settings, you can change the following:
How can I have non-tradable or worthless investments removed from my portfolio?
If you still have investments in your portfolio that no longer have any value, often because a company went bankrupt in the past, you can ask ING to have these securities removed from your portfolio. You do this by means of a waiver. Ask an employee to go through this with you. Please note: not all worthless securities can be removed from a portfolio.
How can I invest in options?
To trade options – this applies both to buying options and writing options – you need a Self Invest account. In addition, you must pass the knowledge and experience test for options in Mijn ING and request an options agreement.
When you write options, you enter into an obligation. That is why it is extra important that you understand the risks of options trading. For more information about investing in options at ING, see this page about the investment instrument options.
What does margin mean with Self Invest?
When writing options, you enter into an obligation to buy or sell the underlying value of the option at the exercise price. ING wants more certainty that you can meet this obligation. That is why ING reserves (blocks) money from your investment account for this, so that you are likely to be able to meet your obligation. This reservation is called margin, and the amount can change continuously.
The further the current price of the underlying value moves against you compared with the exercise price of your option, the higher the margin will need to be. The margin requirement is not a guarantee that you can meet the obligation when you are required to do so.
If you write an option where you hold the underlying value or another option, ING will not reserve margin. This is called covered writing.
How long does order processing take with Self Invest?
Order processing with Self Invest depends on the type of investment instrument.
Table: order processing per investment instrument (Self Invest)
Instrument | Trading & execution | Order duration | Order types | Processing in portfolio | Important points to note |
Shares | Exchange intraday (order book) | Day (DAY), end of week, end of month, GTC (ongoing max. 364/365 days) | Limit, market, stop loss, stop limit | When placed: cash/position reserved. At (partial) execution: position/transaction visible, remaining order stays open. After settlement: definitively processed. | Partial executions possible; market order may differ in case of low liquidity/volatility. |
Bonds | Often exchange or (semi)OTC/quote-driven | Day, end of week, end of month, GTC | Usually limit; sometimes quote/RFQ; market order less desirable | Cash reserved including costs and often accrued interest. Execution can take longer when liquidity is low. Settlement can differ by market/instrument. | “Why a different amount than price × nominal value?” → accrued interest + spread/costs. Liquidity/spread can be large. |
Equity funds | NAV fund (usually once a day) | No DAY/GTC; applies to next NAV after cut-off, 1-3 working days | Usually amount order or number of units | Order often “in progress” until NAV is set. Then execution at NAV; processing can take 1+ working days. | Price is only known after NAV; cut-off determines which NAV day applies. |
Bond funds | NAV fund | Same as fund (cut-off/NAV), 1-3 working days | Amount / units | Same: pending → NAV → processing/settlement later | Same explanation as equity funds; NAV can be affected by interest rates. |
Mixed funds | NAV fund | Same as fund (cut-off/NAV), 1-3 working days | Amount / units | Same: pending → NAV → processing later | For switch/sell-buy, two processes can run in parallel. |
ETFs / Trackers | Exchange intraday (order book) | Day, end of week, end of month | Limit, market, sometimes stop loss, stop limit | As with shares: reservation → (partial) execution → transaction visible → settlement | Limit often recommended because of spread; price can fluctuate around iNAV. |
Sprinters (leveraged products) | Exchange intraday (often market maker) | Day, end of week, end of month, GTC | Limit (recommended), stop loss, stop limit | Reservation → execution → position visible. In case of stop-loss/knock-out, product can be settled (bookings follow). | Explanation for “disappeared/0 value”: knock-out/stop-loss; spreads can be wider, fast price movements/gaps. |
Options | Exchange intraday (derivatives) | Day, end of week, end of month, GTC | Opening buy; opening sell; closing buy; closing sell | Opening buy/buying: premium debited, long position. Opening sell/writing: premium credited, but margin may be reserved (available balance decreases). Expiry may lead to exercise/assignment and underlying transactions. | “Why extra reservation?” → margin. “Why suddenly shares/cash?” → assignment/exercise at expiry. |
Structured products | Often exchange or (semi)OTC/quote-driven | Day, end of week, end of month | Usually limit; sometimes quote/RFQ; market order less desirable | Cash reserved including costs and often accrued interest. Execution can take longer when liquidity is low. Settlement can differ by market/instrument. | “Why a different amount than price × nominal value?” → accrued interest + spread/costs. Liquidity/spread can be large. |
Legend
Processing type | Instruments | Core explanation |
Exchange intraday | Shares, ETFs, Sprinters, Options, Bonds | Execution during trading hours; DAY/GTC/GTD; limit/market; partial executions possible. |
NAV fund (once a day) | Equity funds, bond funds, mixed funds | “In progress” until NAV; cut-off determines day; price only known afterwards; processing can take longer. |
I see an amount under dividends/coupons/other on my investment account. What can I do with it?
This concerns allocated dividend rights which will be paid on the payment date.
I cannot find a specific share or fund in the app. Why is that?
A specific share or fund may not be included in the ING Self Invest range. You can use the search and filter function in the app to search the available range.
You can submit a request to have a share/fund added to the ING range. Depending on our assessment, it may be added. Type “employee” so we can help you further with this.
Can I get a list of the different funds included in the Self Invest range?
Via the Discover button you can see the full range of investment instruments. By clicking a fund, you get more information per fund, such as the return, the Key Information Document, the factsheet, the ISIN code and the specific fund costs. We do not have a list available of all our funds.
Is my investment a green investment?
In the annual overview, you can see whether your investment falls under the Box 3 exemption for green investments. For more information about which funds and investments fall under this, see the following Tax Authorities website.
Green investments (belastingdienst.nl)
Where can I find the Knowledge and Experience tests?
You can find Knowledge and experience in the ING App and in Mijn ING for your Self Invest account. In the ING App, go to your Self Invest investment account and then to Settings. In Mijn ING, go to your Self Invest investment account, scroll all the way down and you will find the tests in the Overviews row. Here you will find the knowledge and experience tests for different investment instruments. ING is required to test your knowledge of these instruments if you want to trade in them.
Can I also invest in fractional shares at ING?
Fractional shares are parts of a share (less than one whole share), which allow you to invest with small amounts. At this time, it is not possible to trade fractional shares at ING via a Self Invest account.
What is Portfolio Management?
With ING Portfolio Management, we offer five investment strategies, each with its own character, put together by the experts of the ING Investment Office. These experts take the management of your investments off your hands, so you have as little to worry about as possible. In consultation with your advisor, you can always adjust your chosen strategy and risk profile. Portfolio Management is available from €50,000.
What can an Asset Advisor do for me?
The ING Asset Advisor guides you through the world of investing. In a personal conversation, the advisor explains the different ING investment strategies and risk profiles, and together you look at your goals and principles for investing. Based on this, a personal investment plan is prepared.
What investment strategies are available with Portfolio Management?
There are five strategies:
How is my risk profile determined with Portfolio Management?
In addition to the different investment strategies, ING Portfolio Management also offers different investment risk profiles within each strategy. Together with an Asset Advisor, you discuss your risk preferences and a risk profile is determined: conservative, moderate, balanced, active or dynamic. Each profile has a different allocation between shares and bonds.
How do I stay informed about my investments with Portfolio Management?
Answer: The experts of the ING Investment Office actively manage your portfolio. Periodically, you and your Asset Advisor check whether your investments still match your principles. You can always consult in between. Via the ING App and Mijn ING, you always have insight into your investments, wherever you are:
In addition, you receive a quarterly update showing how your investments are doing.
Can I make an appointment to discuss my investment plan?
Yes, it is sensible to check annually whether your investments are still in line with your personal investment profile. You can schedule an appointment with an Asset Advisor via a video or telephone call. See Portfolio Management – Let your assets be managed for more information.
How long does it take before my deposit/withdrawal is executed in Portfolio Management?
Your deposit or withdrawal has a processing time of two working days. For Portfolio Management, all deposits and withdrawals are collected on a working day at 14:30 and sent to the exchange. On some working days during the year (often public holidays), the processing time is longer.
Price determination and processing
A withdrawal or deposit will take place at the price of the next working day. We receive and process this price one day later. After receiving this price, the processing of the withdrawal/deposit also becomes visible in your investment portfolio. The financial settlement (= processing) of the withdrawal/deposit then takes place two trading days later.
If you make a deposit/withdrawal after 14:30 or, for example, at the weekend, it will be sent to the exchange at 14:30 on the next working day. A pending withdrawal can affect the processing time.
If you invest with Portfolio Management, can you sell your investments at any time?
Yes, you can. For amounts up to €50,000, you can arrange this via your ING App or Mijn ING. For amounts above this, you can contact an Asset Advisor.
Please note: withdrawing money from your investment often affects long-term returns. That is why we regularly check with you whether your investments still fit your goals and principles. Of course, you can also consult in between.
If I invest with Portfolio Management, why can I not withdraw investments above €50,000 myself online?
Because withdrawals above €50,000 can affect your investment plan. You prepared this plan together with an Asset Advisor. And our experts manage your portfolio based on that investment plan. That is why we always discuss large withdrawals with you personally. This way, you can be sure your plan continues to fit what is important to you.
If I invest with Portfolio Management, how long does the processing of my withdrawal take?
A withdrawal or deposit will take place at the price of the next valuation day. We receive and process this price one day later. After receiving this price, the processing of the withdrawal/deposit also becomes visible in your investment portfolio. The financial settlement (= processing) of the withdrawal/deposit then takes place two trading days later.
If you make a deposit/withdrawal after 14:30 or, for example, at the weekend, it will be sent to the exchange at 14:30 on the next valuation day. A pending withdrawal can affect the processing time.
If I invest with Portfolio Management, how can I sell my investments?
Up to an amount of €50,000, you can enter the withdrawal yourself via your ING App or Mijn ING.
There are no sales costs for a withdrawal from your Portfolio Management account.
If I invest with Portfolio Management, how can I sell my investments?
Up to an amount of €50,000, you can enter the withdrawal yourself via your ING App or Mijn ING. Open the ING App or Mijn ING and go to your Portfolio Management investment account. Click the blue Withdraw button and follow the steps. You choose, among other things, whether you want to receive the withdrawn amount directly in your current account or in the cash part of your investment account.
There are no sales costs for a withdrawal from your Portfolio Management account.
If I invest with Portfolio Management, do I always need to contact an advisor to withdraw money?
Up to an amount of €50,000, you can enter the withdrawal yourself via your ING App or Mijn ING. For withdrawals above €50,000, you can contact your Private Banking Team or an Asset Advisor.
As a Private Banking customer, you can contact your Private Banking Team. You can find it in the ING App under Service.
If you are not a Private Banking customer and you have a portfolio management account, you can make an appointment via this page.
Is a new investment plan drawn up when withdrawing from Portfolio Management?
That is possible, but only if needed. Together with an Asset Advisor or Relationship Manager, you look at whether your investments still fit your goals and principles after the withdrawal. Have these changed? Then we prepare a new personal investment plan. Fully tailored to your situation.
Does a withdrawal affect my return?
It is smart to stick to the prepared Investment Plan. Experience shows that investors who stick to their personal investment plan achieve a positive average return in the long term. It is therefore important to manage your emotions and keep looking at your long-term investment plan. Visit our Stay calm in times of turnmoil page, where we have collected all the information for you.
Please note: withdrawing money from your investment often affects long-term returns. That is why we regularly check with you whether your investments still fit your goals and principles. Of course, you can also consult in between.
How can I change my investment profile for my Portfolio Management account?
Do you invest with Portfolio Management and want to change the fund you invest in, or check whether your currently selected portfolio still suits you? Then make an appointment for a video call or a telephone appointment with an Asset Advisor via this page.
How does a video call work?
For many customers, a quick video call is an easy way to ask an advisor their questions. At ING, we call this a video call, but how exactly does such a call work?
Get a better picture of what suits you and discuss your options in 15-30 minutes. Completely free and without obligation.
If I invest with Portfolio Management, how can I make an additional deposit?
Follow these steps:
There are no purchase costs for a deposit into your Portfolio Management account.
Can I make an appointment about investing in Private Markets?
See our special page about Private Markets for more information and the conditions, and make an appointment directly if you wish.
What are the historical returns of Portfolio Management?
For the historical returns of Portfolio Management, see this page.
How much money do I need for my pension?
How much money you need for your pension depends on your personal situation and lifestyle. A good rule of thumb is to aim for about 70–80% of your current income.
How much money do I need for a good pension?
For a good pension, it is important to look at your current expenses and future plans. A financial advisor can help you make a detailed calculation.
How can I top up my pension?
You can top up your pension by saving or investing extra. ING offers various products, such as ING Pension Investing, with which you can build up extra income for later.
How do I know how much pension I have accrued?
You can view your accrued pension via the Mijnpensioenoverzicht.nl website. There you will find an overview of your pension with different employers and your state pension.
How do I know whether I have a pension deficit?
A pension deficit arises if your expected pension income is lower than your desired income after retirement. You can calculate this on mijnpensioenoverzicht.nl, or by making an appointment with a financial advisor.
What is/how does ING Pension Investing work?
ING Pension Investing is an investment product that may allow you to invest for your pension in a tax-efficient way. You invest in ING investment funds, tailored to your risk profile.
What is my annual allowance and how do I calculate it?
Annual allowance is the amount you can deposit each year for your pension with tax benefits. You can calculate this via the website of the Tax Authorities. Are you unsure about the amount of your annual allowance? A financial advisor can help you make a detailed calculation.
What are the benefits of pension investing?
The benefits of pension investing include possible tax benefits, the possibility of higher returns than with savings and flexibility in deposits.
How often do I need to deposit at least into my pension investment account?
There is no minimum deposit frequency. You decide how often and how much you deposit, depending on your financial situation.
How do I transfer my current annuity to ING Pension Investing?
You can transfer your current annuity by opening an ING Pension Investing account and then clicking Transfer in Mijn ING or the ING App at your pension account.
Can I also open a pension investment account for my business?
No, it is not possible to open a pension investment account with your business account.
Is my money locked in with ING Pension Investing?
Yes, your money is fiscally locked in as long as it is in the pension investment product. It is specifically intended as a supplement to your pension.
You decide when you want the payments to start, as long as you meet the legal conditions. From that moment, the money is paid out periodically in the form of an annuity.
Is early withdrawal (before converting to periodic payments) possible?
If you withdraw the accrued amount earlier than planned (before converting it to periodic payments), this is treated for tax purposes as surrender. This can be financially disadvantageous. You may then pay:
In summary: your pension assets are blocked until you purchase a payout product. From that moment, you pay the amount to yourself in periodic instalments. Early withdrawal is possible, but involves extra costs and is usually less financially advantageous.
What if I need the money from my pension investment account?
The intention is specifically that you use the accrued assets as a supplement to your pension. You decide when you want the payments to start, as long as you meet the legal conditions. From that moment, the money is paid out periodically in the form of an annuity.
Early withdrawal (before converting to a payout product) is possible, but has significant tax consequences:
Partial withdrawal is not allowed. You can only have the accrued amount paid out in full, and only as periodic payments or as full surrender (with tax consequences).
I want to close my pension investment account. How do I do this?
If assets have been accrued in the pension account, you can only close the account by surrendering your assets.
What does ING Pension Investing cost?
On this page you will find a full overview of the costs.
What return can I expect?
The return depends on your investment choices and market conditions. Return overviews on the ING website provide an indication, but no guarantee for the future.
I want to transfer my pension investments to another provider. What does this cost?
Contact your new provider and complete the transfer form (PSK form). Your provider will send this request to ING. The costs for this are €150.
What happens to my pension investments when I die?
After receiving proof of death, we pay out your pension investments to your surviving relatives or according to your will.
What happens to my pension investments when I get divorced?
In the event of divorce, you indicate whether your pension investment can be split with your partner and, if so, for what part.
What happens to my pension investments if I become incapacitated for work?
In the event of incapacity for work, you may be able to have part of your accrued assets paid out without owing penalty interest to the Tax Authorities. Contact ING for a detailed calculation to check whether this applies.
You can contact us via the close account function in the app or web. In the flow, you will be asked why you want to close the account.
What happens to my pension investment account if I emigrate?
Emigration may have tax or other consequences for your pension investment account, for example if you become a US Person.
What is my state pension age?
Your state pension age depends on your date of birth and life expectancy in the Netherlands. At www.svb.nl you can easily look up your state pension age.
What are the three pillars within pension accrual?
Can I get advice about my required pension accrual?
No, ING does not offer personal financial advice on pension investing. You can make an estimate of your pension deficit yourself in the ING App.
How do I open a pension investment account?
You can easily open a pension investment account via the ING App or Mijn ING. Go to Pension Investing and follow the steps.
Can I also save for my pension?
ING currently only offers Pension Investing. This is a form of pension accrual where your money is invested.
Do I need to pay extra for Pension Investing if I already invest with ING?
Pension Investing is a separate product with its own costs. You do not pay extra costs because you already invest with ING.
I get an error message when opening Pension Investing. What should I do?
Check whether you meet the conditions (such as residential address and tax liability in the Netherlands). Can’t resolve it? Send an email to ing.pensioen.beleggen@ing.com.
Can I talk to someone from ING about the options for pension accrual?
Yes, you can request an Insight Conversation with a Financial Coach. They help you map out your financial situation, including your pension.
Make an appointment via this page: Insight Conversation
What is unused annual allowance?
Unused annual allowance is annual allowance that you did not use in previous years (10 years in total). You may still catch up on this, up to a certain maximum.
What is discontinuation profit?
Discontinuation profit is the profit you make when you stop your business. You may use part of this for pension accrual, subject to certain tax conditions.
When opening the pension investment account, I see my partner’s name. How is this possible?
It is possible to link the pension investment account to your joint account. The pension investment account itself will always be opened in one person’s name.
Do I need a LEI code?
No, you do not need a LEI code for Pension Investing. This only applies to certain business investments.
What happens when I reach retirement age? Does ING have a product for this?
No, ING does not yet offer a payout product that allows you to pay the accrued amount to yourself in instalments. You can choose where you take out a payout product.
What term do I need (horizon)?
The money you put into ING Pension Investing is, in principle, locked in until you retire. You therefore determine the horizon yourself.
What is invested in?
ING invests exclusively in diversified ING index funds. You choose a risk profile, and based on that your pension assets are invested.
Are there conditions you need to meet to open the account?
Yes, you must:
What is the consequence if you deposit more than your annual allowance?
You will not receive a tax benefit on the amount above your annual allowance. This may have tax consequences if you do not correct it. Fortunately, you can correct this. On the Tax Authorities website, you can find more information about the rules and how to request a correction.
https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/werk_en_inkomen/lijfrente/hebt-u-niet-alle-premies-of-stortingen-afgetrokken-in-uw-aangifte
Which risk profiles can be invested in?
You can choose from five profiles:
Can I trade myself on this account?
No, that is not possible. ING invests your deposit for you based on your chosen risk profile.
Can I transfer my existing pension supplement to ING Pension Investing?
Yes, this is possible in many cases. You can request a capital transfer if you already have a pension supplement with another provider. On this page you will find step-by-step instructions on how to do this and any tax consequences.
Please note:
Why can a deposit with Pension Investing sometimes take a little longer?
With ING Pension Investing, you invest in a fund. Orders placed before 14:30 are executed at the price (NAV) of the next working day. It takes two working days before you see the deposit in your overview. Orders placed after 14:30 are processed at the price of two working days later and are visible on the third working day. Especially around public holidays, an order may take a little longer. The stock exchange is often closed on public holidays.