Combine saving with investing through Portfolio Management and temporarily receive a 1% bonus interest on the portion of your savings that is equal to your investment in your investment portfolio. Your total savings interest rate may temporarily increase up to 2.25% per year. Warning: Investing involves risks and costs. You may lose your investment amount.
"},"textLinks":[{"text":"New to Portfolio Management","url":"/en/personal/investing/investments-at-ing/smart-saving-and-investing-start-with-portfolio-management"},{"text":"Already investing with Portfolio Management","url":"/en/personal/investing/smart-saving-and-investing-existing-portfolio-management"}]},{"componentType":"sectionTitle","title":"What is Portfolio Management?"},{"componentType":"paragraph","richBody":{"value":"At ING Portfolio Management, we offer managed investment solutions across five distinct investment strategies, each with its own unique characteristics, developed by the experts at ING Investment Office. These experts take care of managing your investments so you have as little to worry about as possible. You can always adjust your chosen strategy and risk profile in consultation with your advisor.
"}},{"alignedImage":{"position":"left","extension":"png","original":"https://assets.ing.com/asset/160685a7-285b-496c-a042-c754c52f9c77/Award-png.png","transformBaseUrl":"https://assets.ing.com/transform/160685a7-285b-496c-a042-c754c52f9c77/Award-png"},"componentType":"paragraph","richBody":{"value":"Our approach to portfolio management continues to be recognised. For many years, ING has received awards from both investors and independent organisations. From public awards to expert jury prizes for performance and investment policy.
These recognitions confirm what you can expect from us: clear and well‑considered investing, with attention to risk, return and sustainability.
Before you start with portfolio management, it’s wise to pause and think about what matters most to you. What do you want to achieve with your assets? What level of risk suits you? And how long do you want to invest for? Also take a close look at the costs. Once you are clear about your wishes, you can choose portfolio management that truly fits you.
"},"title":"What should you consider before starting with portfolio management?"},{"componentType":"sectionTitle","title":"This is how ING Portfolio Management works"},{"componentType":"paragraph","richBody":{"value":"ING Portfolio Management is a managed investment service for assets starting from € 50,000. Together with an advisor, you create a personal investment plan in which your wishes and preferences take center stage. With an investment strategy that aligns with this, you can get started right away. Want to stop after a certain period or withdraw money from your investments? That’s no problem. We periodically review whether your investments still match your objectives. You can always consult with us in between. In addition to private clients, we also offer ING Portfolio Management to our Business Banking and Private Banking clients.
"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/f5820797-f499-40a9-9fc9-d3e8f753694d/Administration-Business.svg","transformBaseUrl":"https://assets.ing.com/transform/f5820797-f499-40a9-9fc9-d3e8f753694d/Administration-Business","type":"image","width":160},"intro":"For business clients with assets starting from € 50,000","link":{"url":"/en/business/investments/portfolio-management"},"title":"Portfolio Management for Business Banking"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/asset/d6a89efb-f3c1-4dd1-856e-d27f8a4c7a88/Woman-relaxing-spot.png","transformBaseUrl":"https://assets.ing.com/transform/d6a89efb-f3c1-4dd1-856e-d27f8a4c7a88/Woman-relaxing-spot","type":"image","width":334},"intro":"Personalized guidance for your wealth. For clients with assets starting from € 500,000","link":{"url":"/en/private-banking/investing/portfolio-management"},"title":"Private Banking"}],"componentType":"cards"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"In a free, no obligation conversation of 15–30 minutes, we answer all your questions about your assets. You can schedule it whenever it suits you. Together with an advisor, you then determine the next steps.","textLink":{"text":"Make an appointment","url":"/en/personal/savings-and-investing/afspraak-vermogen-en"},"title":"A personal (video) call"},{"body":"In this in depth conversation, you discuss your goals, financial situation, and different investment strategies. You will then receive a personal financial overview and/or an investment plan. This meeting is also free of charge and without obligation.","textLink":{"text":"Read more here about how an advisor can help you","url":"/en/personal/investing/portfolio-management/the-asset-advisor"},"title":"A personal advisory meeting"},{"body":"Do you approve? Then we open your investment account and you can easily add funds.","title":"You can start immediately"},{"body":"Track your progress. We make adjustments where needed. You always have insight into your investments.","title":"Monitoring and adjusting"}],"title":"You go through the following steps"}},{"componentType":"sectionTitle","title":"What are the historical returns of ING Portfolio Management?"},{"componentType":"paragraph","richBody":{"value":"Curious about the historical returns our investment experts have achieved with our investment strategies?
"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/e8098689-666a-4c9a-8eb1-ff5784de00a4/Performance-chart-spot-1.svg","transformBaseUrl":"https://assets.ing.com/transform/e8098689-666a-4c9a-8eb1-ff5784de00a4/Performance-chart-spot-1","type":"image","width":160},"intro":"Check out the historical returns of ING Portfolio Management here","link":{"url":"/en/personal/investing/portfolio-management/returns"},"title":"Historical returns"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/8baa2f88-d410-4cfa-8b5f-8ded30b048bf/Calculator-4-spot-1.svg","transformBaseUrl":"https://assets.ing.com/transform/8baa2f88-d410-4cfa-8b5f-8ded30b048bf/Calculator-4-spot-1","type":"image","width":160},"intro":"Calculate here how much investing could bring you","link":{"url":"/en/personal/investing/investments-at-ing/investment-calculator"},"title":"Calculate your expected return"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"What are the costs of ING Portfolio Management?"},{"componentType":"paragraph","richBody":{"value":"There are costs associated with ING Portfolio Management, including a base fee and a service fee. Costs that you indirectly pay to fund managers are already included in the market prices.
Within ING Portfolio Management we offer 5 different investment strategies. These strategies are formulated by our investment experts.
"}},{"componentType":"paragraph","textLinks":[{"text":"Read more about our 5 different investment strategies","url":"/en/personal/investing/portfolio-management/strategies"}]},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/bf4de7a8-f05a-4004-a26a-9a60566acaf5/Location-World_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/bf4de7a8-f05a-4004-a26a-9a60566acaf5/Location-World_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Within the investment strategy Sustainable (Duurzaam), sustainability factors play a major role in the selection of investments, but financial goals are also important. Possible companies you invest in are Salesforce and Danone.
"}}],"title":{"value":"Sustainable (Duurzaam): building assets with respect for people, the environment, and society
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/31f143c1-fd85-4949-b53d-482af0e2546c/Devices-Wrist_Watch_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/31f143c1-fd85-4949-b53d-482af0e2546c/Devices-Wrist_Watch_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Focused on achieving returns by responding to current opportunities and developments in the global market. Interesting if you want to invest in large leading companies. Such as Microsoft or ASML.
"}}],"title":{"value":"Global trends (Actueel): responding to trends such as technology, healthcare, and climate change
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Focus on total return (price development and dividend). Aimed at European companies that regularly pay interest or dividends. For example Unilever and Ahold Delhaize.
"}}],"title":{"value":"Income (Inkomen): immediate supplement to your income
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a6bd5627-d862-48ba-9b71-075e28fe04f5/Devices-Ebanking_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a6bd5627-d862-48ba-9b71-075e28fe04f5/Devices-Ebanking_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"This strategy focuses on sustainable index funds ('trackers') which follow the movements of various financial markets. Consider the Eurostoxx 50 or the S&P 500 index.
"}}],"title":{"value":"Index: investing in sustainable index trackers
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"A new strategy that exclusively has sustainable investment objectives and therefore aims to make a positive contribution to the United Nations Sustainable Development Goals (SDG's).
"}}],"title":{"value":"SDG Impact: investments that contribute to the Sustainable Development Goals (SDG’s)
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"Portfolio management means that you outsource the investing of your assets to ING’s experts. Together with an Asset Advisor, you create a personal investment plan tailored to your goals, preferences, and risk appetite. The investment experts of the ING Investment Office then take care of the day‑to‑day management of your portfolio.
The difference compared to self‑directed investing is that with portfolio management you don’t have to make investment decisions yourself. ING determines the allocation of your investments, actively monitors the markets, and makes adjustments where necessary. This is especially suitable if you:
Your investment profile is determined based on a personal conversation and a comprehensive assessment. ING looks at, among other things:
Based on this, you and your advisor choose one of the investment strategies. ING offers multiple strategies, each with its own level of risk and characteristics, developed by the ING Investment Office.
Your portfolio is built with broad diversification, monitored periodically, and adjusted where necessary based on market developments or changes in your personal situation. You receive regular reports and can always consult with an advisor.
"},"title":"How does ING determine my investment profile, and how is my portfolio managed?"},{"richBody":{"value":"In addition to the various investment strategies, ING Portfolio Management also offers different investment profiles within each strategy. Together with an Asset Advisor, you discuss your risk preferences, and an investment profile is determined.
The different investment profiles are composed of various types of investments, with two main categories being distinguished: equities and fixed income. These investments are applied in different proportions per investment profile, with the initial distribution as follows
| Investment profile | Fixed income | Equities |
|---|---|---|
| Conservative | 90% fixed income | 10% equities |
| Moderate | 70% fixed income | 30% equities |
| Balanced | 50% fixed income | 50% equities |
| Active | 30% fixed income | 70% equities |
| Dynamic | 10% fixed income | 90% equities |
Depending on how the ING Investment Office assesses the financial markets, there can be a deviation of up to 10% from this distribution. With this so-called active investment policy, we aim to achieve a better return than the broad financial market while ensuring that the risk of the profiles aligns with the risk tolerance of your goals.
Read more on the risks of investing.
"},"title":"Which investment profile suits me?"},{"richBody":{"value":"At ING, you can start with portfolio management from €50,000. This amount applies as the minimum investment to use managed investing through ING Portfolio Management.
You always start with a personal conversation with a Wealth Advisor. During this conversation, you determine your goals, investment horizon, and risk profile together. Based on this, you choose an investment strategy that suits you. Adjusting along the way or stopping (partially) is always possible.
"},"title":"From which amount can I start with portfolio management at ING?"},{"richBody":{"value":"Yes, with ING you can choose sustainable portfolio management. ING offers several sustainable and impact strategies that are classified according to the European SFDR guidelines (such as Article 8 and Article 9).
With sustainable portfolio management, ING takes into account, among other things:
During the conversation with your advisor, you can indicate that you want to invest sustainably. The selected strategy will then be tailored accordingly.
"},"title":"Can ING also manage my portfolio sustainably?"},{"richBody":{"value":"On the page below, Hanneke and Cate explain why they chose ING Portfolio Management and how they experience the process.
"},"textLinks":[{"text":"Experiences with Portfolio Management","url":"/en/personal/investing/investments-at-ing/portfolio-management-experiences"}],"title":"How do others experience ING Portfolio Management?"},{"richBody":{"value":"With portfolio management, you pay various costs, which together form the total cost structure:
ING communicates costs transparently, and you can get an estimate in advance via the cost calculator on ing.nl.
"},"textLinks":[{"text":"More about the rates","url":"/en/personal/investing/portfolio-management/rates"},{"text":"Calculate your costs","url":"/en/personal/investing/portfolio-management/calculate-costs"}],"title":"What costs do I pay for portfolio management at ING?"},{"richBody":{"value":"The return on investments consists of the difference between the price of your investments at the time of purchase and the current price. Your achievable return depends on various factors. For example, the return on your investments depends on the chosen risk profile and strategy. Additionally, the return is also influenced by developments in the financial markets.
"},"textLinks":[{"text":"More information on returns","url":"/en/personal/investing/portfolio-management/returns"}],"title":"What are the historic returns of investing in ING Vermogensbeheer?"},{"richBody":{"value":"You can withdraw money from your investments at any time; however, this is not recommended for achieving long-term returns. In addition, we periodically review your portfolio together with an advisor to ensure it still aligns with your objectives. Of course, interim consultations are always possible.
For withdrawals above €50,000, you can speak with a Wealth Advisor on the same or next business day.
"},"textLinks":[{"text":"Learn more about withdrawing or schedule an appointment","url":"/en/personal/investing/service/withdrawal-vermogensbeheer"}],"title":"Can I withdraw my money at all times?"},{"richBody":{"value":"Your deposit or withdrawal has a processing time of two valuation days. For Portfolio Management, all deposits and withdrawals are collected on a valuation day at 2:30 PM and sent to the stock exchange. Normally, every working day is a valuation day. A few working days in the year (mostly holidays) are not valuation days.
Price determination and processing
A withdrawal or deposit will take place at the price of the next valuation day. We receive and process this price a day later. After receiving this price, the processing of the withdrawal/deposit will also be visible in your investment portfolio. The financial settlement (processing) of the withdrawal/deposit then takes place two trading days later.
After 2:30 PM or over the weekend
If you make a deposit/withdrawal after 2:30 PM or, for example, on the weekend, it will be sent to the stock exchange on the next valuation day at 2:30 PM. An ongoing withdrawal may affect the processing time.
Do you have a business account with us and want to invest your business assets? Then we need a Legal Entity Identifier (LEI). You must request this yourself from, among others, the Chamber of Commerce (KvK). We are not allowed to do this for you.
Why an LEI is mandatory
As a bank, we are legally required to report the LEI to the regulator (AFM) for every investment transaction for companies or legal entities (such as BVs, sole proprietorships, foundations, associations, religious organizations, and vof's).
All the terms and conditions related to investing with ING can be consulted via the page below.
"},"textLinks":[{"text":"Terms and conditions investing","url":"/en/personal/investing/service/general-terms--conditions"}],"title":"Where can I find the terms and conditions for investing with ING?"}],"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.
Curious about how ING takes sustainability into account when making investment decisions? For more information, go to ing.nl/ESG.
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