Investing is often perceived as complicated, expensive, and a lot of hassle. Fortunately, we offer Easy Invest (Eenvoudig Beleggen). With Easy Invest, you choose one of the four ING Global Index Portfolio funds yourself. All four funds immediately provide a diversified investment portfolio, each with a different risk profile, from Conservative (defensive) to Dynamic (very offensive). You can decide how much risk you want to take, and can manually adjust the risk over time.
By diversifying your investments and, for example, investing a small amount each month, you spread the risk. Did you know you can start investing with ING from as little as 10 euros per month? Only invest money you can miss and do not need in the short term. You can lose (part of) your investment.
"}},{"componentType":"sectionTitle","title":"How can I start building wealth for my child?"},{"componentType":"paragraph","richBody":{"value":"There are multiple ways to build wealth for your child. You can save, of course, but in addition to saving, it can also be interesting to invest for your child. Especially with a longer time horizon, investing can lead to higher returns than saving. View our page "setting money aside for your child" for the options at ING.
You can invest and/or save in your own name or in your child’s name.
Read more about the pros and cons of opening an investment account in your own name versus in your child’s name on the page "In whose name".
"},"textLinks":[{"text":"Investing or saving, in whose name?","url":"/particulier/kind/sparen-voor-je-kind/op-wiens-naam"}]},{"cards":[{"cardSize":"medium","cardType":"product","checkMarkList":["How much do you need?","Saving and/or investing?","In the name of the child or yourself?"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/13982977abfc1b7e/original/GROUP-OF-PEOPLE-SITTING-ON-SOFA.jpg","transformBaseUrl":"https://assets.ing.com/transform/9ed76c99-20c9-448b-9a88-db37e1305b2d/GROUP-OF-PEOPLE-SITTING-ON-SOFA","type":"image","width":4991},"intro":"How do you do this the smart way?","link":{"url":"/en/personal/children/products/child-savings-account-saving"},"title":"Setting aside money for your child"},{"cardSize":"medium","cardType":"product","checkMarkList":["The benefits","The disadvantages","Choose what suits you!"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/32489018560d764b/original/Close-up-of-a-little-girl-playing-jenga.jpg","transformBaseUrl":"https://assets.ing.com/transform/f6fc45b9-2b71-47b0-8a37-cc54ba6eae8e/Close-up-of-a-little-girl-playing-jenga","type":"image","width":8000},"intro":"Saving and investing in your name or in your child's name?","link":{"url":"/en/personal/children/saving-for-your-child/on-whos-name"},"title":"In whose name?"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Opening an investment account in your child’s name"},{"body":"If you want to open an investment account in your child’s name, you must first open a child or youth account for them.","componentType":"applicationProcess","steps":{"stepList":[{"textLink":{"text":"Open a child or youth account","url":"/en/personal/children"},"title":"Open the child or youth account"},{"title":"Open your own ING App or MyING"},{"body":"You can find this in the tab labeled \"Investments\", or via the search bar.","title":"Go to Easy Invest"},{"body":"Follow the onboarding steps to open an Easy Invest account","title":"Open an Easy Invest account"},{"body":"At the step “Select payment account”, choose the account in your child’s name.","title":"Connect your child's current account"},{"body":"You’ve now opened an investment account in your child’s name. You can easily change the account name in the settings.","title":"Done!"}]}},{"componentType":"paragraph","richBody":{"value":"
Prefer to choose what ETFs, shares, and other instruments you invest in on behalf of your child? Then you can use a Self Invest (Zelf op de Beurs) account. The opening process is the same.
"}},{"componentType":"paragraph","richBody":{"value":"Depositing and withdrawing money can only be done by the parent/legal representative until the child turns 18. Your minor child can see the investment account in the ING Banking App. When your child turns 18, they automatically gain full control. You then no longer have access.
"},"title":"Managing the account"},{"componentType":"paragraph","richBody":{"value":"If you invest in your child’s name, it can be helpful to know what happens when. Below are the key moments.
"},"title":"Important milestones"},{"accordionList":[{"richBody":{"value":"Consider requesting approval from the district court (kantonrechter) to limit liability.
"},"title":"Starting with investing"},{"richBody":{"value":"When your child turns 8, you can give them access to the ING App.
They will then see all children’s products (except the Groei Groter Account) registered in their name. This includes the investment account and all transactions. It’s currently not possible to adjust this visibility.
Would you prefer to open the investment account in your own name?
Then simply open an additional investment account linked to your own payment account. For clarity, you can rename the account to your child’s name.
If your child is older than 18, they can open the investment account themselves.
"}},{"componentType":"sectionTitle","title":"FAQ"},{"accordionList":[{"richBody":{"value":"Grandparents cannot open a Groei Groter Account or investment account for a grandchild. Only parents or guardians can do so.
Want to contribute? Transfer the money to the linked child account and ask the parent/guardian to deposit it into the child’s investment account.
Note: If the parent invests in their own name, the tax authorities may view the gift as a gift to the parent. Read more about tax-free gifting on Belastingdienst.nl (Dutch only).
"},"title":"Investing for grandparents (or others)"},{"richBody":{"value":"
No. Currently, this is only possible if you donate under administration (gifting with retained control/schenken onder bewind) as a Private Banking client.
"},"textLinks":[{"text":"Read more about gifting with retained control","url":"https://www.ing.nl/en/private-banking/knowledge-center/section-wealth-planning/pages/gifting-with-retained-control-how-to-arrange-it-in-2025"}],"title":"I don’t want my child to access the money at age 18, can I delay this?"},{"richBody":{"value":"In general, the more risk you take, the greater the chance of a high return. But this also means a greater chance of losing (part of) your investment. That’s why it’s wise to invest only with money you don’t need right away and can leave invested for a longer period. The longer you invest, the greater the chance you can recover any potential losses. View the historical returns on our webpage.
"},"textLinks":[{"text":"See historical returns","url":"/en/personal/investing/investments-at-ing/returns-easy-invest"}],"title":"What were the past returns of Easy Invest?"},{"richBody":{"value":"Investing involves costs. For Easy Invest, these include a service fee and fund costs.
"},"textLinks":[{"text":"Read about the costs of Easy Invest","url":"/en/personal/investing/investments-at-ing/eenvoudig-beleggen-rates"}],"title":"What are the costs of Easy Invest?"},{"richBody":{"value":"At ING, there are two other options for investing for your child: a Self Invest account (Zelf op de Beurs) or Portfolio Management (Vermogensbeheer).
With a Self Invest account, you can invest yourself in your child's name. For more information, visit our Self Invest webpage.
Are you able and willing to invest a larger amount? You can start Portfolio Management for your child starting from 50,000 euros. Visit our Portfolio Management page for more information and take the first step immediately together with one of our Advisors.
"},"textLinks":[{"text":"More information about Self Invest","url":"/en/personal/investing/investments-at-ing/self-invest"},{"text":"More information about Portfolio Management for children","url":"/en/personal/investing/investments-at-ing/set-your-child-up-for-a-bright-future"}],"title":"Are there other ways to invest for my child?"},{"richBody":{"value":"One parent manages the account, but you can add the other parent for viewing access.
"},"textLinks":[{"text":"Read more on Ouderlijk gezag (Dutch only)","url":"/particulier/klantenservice/gegevens-wijzigen/beheer-bankzaken-ouderlijk-gezag"}],"title":"Can both parents be linked to the investment account?"},{"richBody":{"value":"Only if they are a legal representative and you have added them.
If they no longer are a legal representative, they no longer have access.
Every parent and every child has their own goal or dream. Everyone has their own way of investing. Do you have a longer investment horizon and are you willing to take a bit more risk? Then you could choose a Dynamic or Active fund, for example. Do you want to avoid fluctuations as much as possible and prefer a balanced approach? Then a Conservative or Balanced fund might suit you better.
"},"textLinks":[{"text":"See which method suits you.","url":"/en/personal/investing/investments-at-ing/your-way-of-investing"}],"title":"Which fund should I choose?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You may (partially) lose your investment amount. Read more about the risks of investing and how to limit them. And also view the Investment Terms and Conditions .
Investments that contribute to environmental or social goals can be part of the ING Global Index Portfolio funds within Easy Invest as well as the Sustainable (Duurzaam) investment strategy offered through Vermogensbeheer. However, investing in such investments is not the sole purpose of these strategies, it is also important to invest in financially attractive companies. Here you find more information about the sustainable investing policy of the ING Sustainable Index Funds.
*For informational purposes, we will use the name Easy Invest. The actual product name, which will also appear in the onboarding flow and on your bank statements, is Eenvoudig Beleggen. 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.
"}}]},"hasMacro":false,"id":"4d47b7fd-d6a7-40f1-bd28-e01f854eb750","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Start investing at ING","url":"/en/personal/investing/investments-at-ing"}},"componentType":"productHeader","coreHeader":{"body":"How can you, as a parent, help make your child’s dream come true or contribute toward their future studies, first home, or driving license? There are several ways to do this, and the best-known method is saving. But have you ever considered investing? Especially with a longer time horizon, investing can lead to higher returns than saving. It may seem a bit nerve-racking, but did you know that no less than 32% of parents already invest for their children in addition to saving? (Children’s Savings Survey 2025).\r\n\r\nThis page is an English translation of the original Dutch version.*","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/3f8d7ebf5e0c94a0/original/Child-dressed-in-red-firefighter-raincoat-playing-in-a-park-on-a-rainy-day.jpg","transformBaseUrl":"https://assets.ing.com/transform/50d0f09f-6269-43b2-aeb8-daa2c7817041/Child-dressed-in-red-firefighter-raincoat-playing-in-a-park-on-a-rainy-day","type":"image","width":5800},"promoStickerLayout":"Default","subtitle":"A fund for the future","title":"Investing for your child"},"cta":{"componentType":"cta","textLink":{"text":"Open Easy Invest","url":"/en/personal/investing/investments-at-ing/easy-invest"}},"usps":[{"body":"In the name of your child or yourself","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/78af19d822d74ec6/original/2-persons-perspective_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/a2ef2a1e-ce42-4201-9847-d47f00682f6f/2-persons-perspective_Outline_RGB","type":"image","width":267}},{"body":"Start with as little as €10","icon":{"extension":"png","original":"https://assets.ing.com/m/a3944895835484a9/original/Coins-Euro-Outline.png","transformBaseUrl":"https://assets.ing.com/transform/c73f2b21-906c-4767-ab35-c161b8d66103/Coins-Euro-Outline","type":"image","width":96}},{"body":"Enter and exit whenever you want","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/73dfe929a3050475/original/Functionalities-Sort_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/411e6395-50ec-43ea-9317-a62d4cce68ec/Functionalities-Sort_Outline","type":"image","width":32}},{}]},"publishDate":"2026-06-18T13:53:37.862+02:00"}}