An investment account, also known as a brokerage account, is an account where you deposit money to invest, and where all your investments are administered.
Just like your savings account, you can view this investment account in the ING App and in Mijn ING.
If you want to give your money the opportunity to grow, investing can be an interesting option.
"}},{"componentType":"sectionTitle","title":"How does an investment account work?"},{"componentType":"paragraph","richBody":{"value":"That depends on the type of investment account you want. At ING, there are four types of investment accounts. And although you can of course have multiple investment accounts, it usually starts with just one.
Choose the investment account that suits you best, and the rest will follow naturally.
"},"textLinks":[{"url":"/en/personal/savings-and-investing/investing-decision-aid","text":"More information about the investment account selection guide"}]},{"componentType":"sectionTitle","title":"Opening an investment account: tips and tricks"},{"componentType":"paragraph","richBody":{"value":"When you start investing, you probably want more information about investing and the investment opportunities that are available. And maybe you are also looking for inspiration about the goals for which you can invest.
For example, you can open an investment account with us for your child. Or maybe you want to invest as an addition to your pension. Whatever your goal, we are happy to help you start investing by ensuring you are well informed, so you can open the investment account that suits you best.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/investing-for-beginners","text":"Investing for beginners: information and tips"},{"url":"/particulier/beleggen/beleggen-bij-ing/waarom-beleggen","text":"Why start with investing? (Dutch only)"},{"url":"/particulier/beleggen/beleggen-bij-ing/ervaringen","text":"How others approach investing (Dutch only)"}]},{"componentType":"sectionTitle","title":"Comparing the different investment accounts"},{"componentType":"comparisonCards","comparisonCardList":[{"highlight":"Promotion: Smart Saving & Investing","title":"Easy Invest","subtitle":"The ready-made solution","image":{"transformBaseUrl":"https://assets.ing.com/transform/02805eee-c7a1-4a1a-b667-647a37c84d7e/Woman-mother-and-children-playing-outside","type":"image","width":1920,"original":"https://assets.ing.com/m/2365d07726f41991/original/Woman-mother-and-children-playing-outside.jpg","extension":"jpg"},"usps":[{"body":"Popular among beginners","iconType":"check-mark"},{"body":"Requires virtually no attention","iconType":"check-mark"},{"body":"Start with small amounts","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"/en/personal/investing/investments-at-ing/easy-invest","text":"More about Easy Invest"}}},{"title":"Self Invest (Dutch only)","subtitle":"Buy and sell independently","image":{"transformBaseUrl":"https://assets.ing.com/transform/63d5e3b4-8338-4bef-91a1-4a998ad8d214/Payconiq-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2a3d3e17babb686e/original/Payconiq-1920.jpg","extension":"jpg"},"usps":[{"body":"Invest without fixed costs","iconType":"check-mark"},{"body":"Invest in ETFs from our ING ETF Top Selection with no transaction fees","iconType":"check-mark"},{"body":"Updates from the ING Investment Office","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"/particulier/beleggen/beleggen-bij-ing/zelf-op-de-beurs","text":"More about Self Invest (Dutch only)"}}},{"highlight":"Promotion: Smart Saving & Investing","title":"Portfolio Management","subtitle":"Let our experts handle your investments","image":{"transformBaseUrl":"https://assets.ing.com/transform/aa297841-c8b5-476b-a227-f4bb0003a4db/Elderly-couple-snorkeling-on-vacation","type":"image","width":3720,"original":"https://assets.ing.com/asset/aa297841-c8b5-476b-a227-f4bb0003a4db/Elderly-couple-snorkeling-on-vacation.jpg","extension":"jpg"},"usps":[{"body":"Available from €50,000","iconType":"check-mark"},{"body":"5 different investment strategies","iconType":"check-mark"},{"body":"Introductory meeting without obligation (video call)","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"/en/personal/investing/portfolio-management","text":"More about Portfolio management"}}},{"title":"Pension Investing","subtitle":"Invest now to enjoy later","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"},"usps":[{"body":"Up to 49.5% tax benefit on your contributions","iconType":"check-mark"},{"body":"Trusted at your own bank","iconType":"check-mark"},{"body":"Choose one of the five ING Select Index funds","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"/en/personal/investing/investments-at-ing/pension-investing","text":"More about Pension Investing"}}}],"title":"Easy Invest,Self Invest (Dutch only),Portfolio Management,Pension Investing"},{"componentType":"sectionTitle","title":"The costs of an investment account"},{"componentType":"paragraph","richBody":{"value":"Curious about the costs of an investment account? Every investment solution has its own costs. See what the costs are per account:
"}},{"componentType":"paragraph","title":"Costs of Easy Invest","richBody":{"value":"With Easy Invest, you pay a servicefee of 0.4% on the value of your investments. In addition, you pay fund costs, which are already included in the price. Since there are no fixed costs and no minimum amount required, Easy Invest is also attractive if you want to start with small amounts.
We’ve listed the costs for you, and you can also calculate what Easy Invest will cost based on the amount you want to invest.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/eenvoudig-beleggen-rates","text":"The costs of Easy Invest"}]},{"componentType":"paragraph","title":"Costs of Self Invest","richBody":{"value":"You pay a servicefee, and in addition you pay transaction costs when you want to buy or sell, for example, shares or bonds.
Good to know: for buying and selling mutual funds and the ETFs in the ING ETF Top Selection, you pay no transaction fees. For all other ETFs, you pay the same transaction fees as for stocks.
"},"textLinks":[{"url":"/particulier/beleggen/beleggen-bij-ing/tarieven-zelf-op-de-beurs","text":"The costs of Self Invest"}]},{"componentType":"paragraph","title":"Costs of Vermogensbeheer","richBody":{"value":"If you decide to invest together with ING’s experts through Vermogensbeheer, you also pay a base fee of €20. In addition, you pay a servicefee and fund costs, depending on what exactly you invest in.
"},"textLinks":[{"url":"/en/personal/investing/portfolio-management/rates","text":"The costs of Vermogensbeheer"}]},{"componentType":"paragraph","title":"Costs of ING Pension Investing","richBody":{"value":"With Pension Investing, you pay a service fee of 0.2% on the value of your investments and a one‑time start-up fee of €45. In addition, you pay fund costs, which are already included in the fund price. You do not pay any fixed fees, and there is no minimum amount. You also do not pay deposit fees on your contributions.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/costs-pension-investing","text":"More about the costs of ING Pension Investing"}]},{"componentType":"sectionTitle","title":"Are you ready to open an investment account?"},{"componentType":"paragraph","richBody":{"value":"You can open an investment account if you have a payment account at ING in combination with a Mijn ING account or the ING app. You can easily open an Easy Invest, Self Invest or Pension Investing account in the ING app. For Vermogensbeheer, reach out to your ING advisor.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/easy-invest","text":"Proceed with Easy Invest"},{"url":"/particulier/beleggen/beleggen-bij-ing/zelf-op-de-beurs","text":"Proceed with Self Invest (Dutch only)"},{"url":"/en/personal/investing/portfolio-management","text":"Proceed with Portfolio management"},{"url":"/en/personal/investing/investments-at-ing/pension-investing","text":"Proceed with Pension Investing"},{"url":"/en/personal/payments/bank-accounts/open-an-account","text":"Are you not yet an ING customer? Arrange it immediately from your phone"}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You may (partially) lose your investment amount.
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. For more information about ING's Sustainable Investment Policy, please visit ing.nl/ESG.
*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.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/risks-of-investing","text":"More about the risks of investments"},{"url":"/en/personal/investing/service/general-terms--conditions","text":"Terms and Conditions Investments"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"Can I open an investment account for my child?","richBody":{"value":"Yes, absolutely. Would you like to open the investment account in your child’s name? Then you first need to open a children’s or youth account for your child, if they don’t already have one.
After that, as a parent/guardian, you can open the investment account via your own Mobile Banking app or Mijn ING. At the step ‘Select payment account’, select the account in your child’s name.
Managing the account, meaning deposits and withdrawals, can only be done by the parent/guardian until your child turns 18. Your underage child can view the investment account in the ING Banking App. Once your child turns 18, they automatically gain control over the investment account. As a parent/guardian, you will no longer have access or visibility.
Would you prefer to open the investment account in your own name? Then you can easily open an additional investment account linked to your own account. For clarity, you can rename the investment account to your child’s name.
"}},{"title":"With what amount can I start investing?","richBody":{"value":"Investing can be done with small amounts. You choose how much to invest. You can make a one-time deposit or set up a monthly automatic deposit. Or both, whatever suits you.
Investing also involves costs. These costs affect your net return. That’s why it’s important to consider what suits you best, including the cost aspect.
With Easy Invest for example, you pay no fixed fees. Only a service fee of 0.4% and fund costs that are included in the price. If you want to start investing with small amounts, you can begin with Easy Invest from €10.
With Self Invest you can also start with any amount, you pay a servicefee and (possibly) transaction costs.
Good to know: for buying and selling mutual funds and the ETFs in the ING ETF Top Selection, you pay no transaction fees. For all other ETFs, you pay the same transaction fees as for stocks.
Planning to invest €50,000 or more? Then schedule an appointment with a Wealth Advisor (Portfolio management).
"}},{"title":"How much tax do you pay on an investment account?","richBody":{"value":"The Dutch Tax Authority considers your investments, like your savings, as part of your assets. If your total savings and investments exceed a certain threshold you’ll pay tax on the amount above that threshold in box 3. This is called the wealth yield tax.
"},"textLinks":[{"url":"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/vermogen_en_aanmerkelijk_belang/vermogen/","text":"Read more about taxes on your assets at the Tax Authority (In Dutch)"}]},{"title":"Can you withdraw money from an investment account?","richBody":{"value":"You can always stop investing. In that case, you sell your investments and receive the amount they are worth at that moment. This may take a few business days.
Investing is meant for the long term and should be done with money you don’t need right away. That way, you avoid having to sell (part of) your investments at a potentially unfavorable time, which could result in receiving less than what you originally paid.
"}},{"title":"How do you open an investment account?","richBody":{"value":"There are different types of investment accounts. First, take a look at which one suits you best.
Would you prefer a ready-made solution that requires little effort on your part? Then Easy Invest might be right for you. You can easily open Easy Invest via the ING app and start with small amounts.
Would you rather figure everything out yourself? Then take a look at Self Invest. With this option, you make all the investment decisions yourself. You can also open Self Invest easily via the ING app.
Are you planning to invest €50,000 or more and would like guidance? Then schedule an appointment with an ING Wealth Advisor (Vermogensbeheer). They will help you open the account and make investment choices.
"}},{"title":"Is a joint investment account possible?","richBody":{"value":"It is possible to link an investment account to a joint account. Both account holders will then be owners of the investment account.
"}},{"title":"Why an investment account at ING?","richBody":{"value":"With a current account at ING, you can also easily and quickly open an investment account. And it will immediately appear in your app, giving you a clear overview of everything in one place.
We provide a clear overview of the costs upfront. And we can support you with information and insights from the experts at the ING Investment Office.
"}}]}]}}}