{"type":"document","data":{"id":"7330a8b0-d4df-439a-b405-7a750b465224","localeString":"en-GB","publishDate":"2026-03-31T14:25:01.283+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"You want to have enough money to live on later. But how do you make that happen? Pension Investing (Pensioenbeleggen) is a smart way to build up extra pension. We’ve listed the key features for you."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Pension Investing (Pensioenbeleggen) is a smart way to build up extra pension. We’ve listed the key features for you. This page is an English translation of the original Dutch version.*","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/8abf3679-36dc-4946-ac05-8e217412d383/A-male-student-is-reading-a-book-while-his-friend-is-on-his-laptop-in-his-dorm-room","type":"image","width":5700,"altTextFR":"Un étudiant lit un livre tandis que son ami utilise son ordinateur portable dans sa chambre d'étudiant.","altTextDE":"Een mannelijke student leest een boek terwijl zijn vriend op zijn laptop zit in zijn studentenkamer die","original":"https://assets.ing.com/m/43d62f46f07d1217/original/A-male-student-is-reading-a-book-while-his-friend-is-on-his-laptop-in-his-dorm-room.jpg","extension":"jpg"},"title":"Pension Investing – how does it work?","subtitle":"You want to have enough money to live on later. But how do you make that happen?"},"backLink":{"textLink":{"url":"/en/personal/investing/investments-at-ing","text":"Start investing at ING"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is Pension Investing?"},{"componentType":"paragraph","richBody":{"value":"<p>With Pension Investing, you build up extra pension by investing. You deposit money into a special pension account. That money is invested so it can grow. In addition, you may receive tax benefits on your contributions, provided you have annual allowance and/or reserve allowance available. <span><span> </span></span></p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/15a52d54690a1c18/original/Wat-is-ING-Pensioenbeleggen-ENG-ondertitel.mp4","videoPreviewURLs":["https://assets.ing.com/asset/436f1f0e-c394-4b8f-93f7-b3330641798c/1080p/Wat-is-ING-Pensioenbeleggen-ENG-ondertitel.mp4","https://assets.ing.com/asset/436f1f0e-c394-4b8f-93f7-b3330641798c/480p/Wat-is-ING-Pensioenbeleggen-ENG-ondertitel.mp4","https://assets.ing.com/asset/436f1f0e-c394-4b8f-93f7-b3330641798c/720p/Wat-is-ING-Pensioenbeleggen-ENG-ondertitel.mp4","https://assets.ing.com/asset/436f1f0e-c394-4b8f-93f7-b3330641798c/mp4/Wat-is-ING-Pensioenbeleggen-ENG-ondertitel.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/15a52d54690a1c18/mini-Wat-is-ING-Pensioenbeleggen-ENG-ondertitel","webimage":"https://assets.ing.com/m/15a52d54690a1c18/webimage-Wat-is-ING-Pensioenbeleggen-ENG-ondertitel","thul":"https://assets.ing.com/m/15a52d54690a1c18/thul-Wat-is-ING-Pensioenbeleggen-ENG-ondertitel"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Key features:"},{"componentType":"paragraph","richBody":{"value":"<ul class=\"check-mark\"><li>Your contributions may be deductible in your tax return (up to your annual allowance or reserve allowance) </li><li>You do not pay capital gains tax (box 3) on this capital </li><li>After the accumulation phase, you choose a payout product that allows you to receive the built-up amount in instalments </li><li>Your money is intended as a supplement to your pension. Payouts must always be periodic: minimum 5 years, maximum 30 years </li><li>You pay tax on the payouts, but in many cases less than during your working life </li><li>You decide how much and when you contribute </li></ul>"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/pension-investing","text":"Want to know more about starting Pension Investing? Visit our Pension Investing page."},{"url":"/en/personal/investing/investments-at-ing/investment-calculator","text":"Want to know how much it could yield? Use our calculator to estimate what Pension Investing could bring you."}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<p>Investing involves risks and costs. The value built up for your pension cannot be determined in advance and depends on investment results. These may turn out better or worse than expected. You could lose your contribution or part of it. </p><p>*For informational purposes, we will use the name Pension Investing. The actual product name is Pensioenbeleggen. 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. </p>"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/risks-of-investing","text":"Learn more about the risks of investing"}]}]}}}