With Portfolio Management (Vermogensbeheer), you have your assets managed and invested by a specialized investment manager. If you do not want to invest yourself or lack the knowledge or time to do so, this can be a convenient alternative. Investment managers specialize in investing for the best possible return. ING offers personalized portfolio management where you have direct contact with one of our Asset advisors and can consult either physically or digitally.
"}},{"componentType":"sectionTitle","title":"ING Portfolio Management once again achieves the highest annual return in 2025"},{"componentType":"paragraph","richBody":{"value":"ING Portfolio Management once again achieved the highest annual return in 2025, according to research conducted by Investment Officer among the five major banks. The neutral investment portfolio achieved the highest net return and the strongest relative performance in 2025. In previous years, ING Portfolio Management also showed strong results in the research. A development we are proud of!
"},"textLinks":[{"url":"/en/personal/investing/portfolio-management/ing-portfolio-management-once-again-achieves-the-highest-annual-return-in-2025","text":"Read more here"}]},{"componentType":"sectionTitle","title":"This is how ING Portfolio Management works"},{"componentType":"paragraph","richBody":{"value":"Curious about the historical returns our investment experts have achieved with our investment strategy Sustainable (Duurzaam)?
"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Historical returns","intro":"See the historical returns of ING Portfolio Management (Vermogensbeheer) here","image":{"transformBaseUrl":"https://assets.ing.com/transform/d2423b79-6efc-4a78-a7ae-98553a7a1a6b/Man-lying-on-the-ground-and-repairing-a-blue-car-in-a-garage","type":"image","width":4368,"original":"https://assets.ing.com/m/5853fd39c349e731/original/Man-lying-on-the-ground-and-repairing-a-blue-car-in-a-garage.jpg","extension":"jpg"},"link":{"url":"/en/personal/investing/portfolio-management/returns"}}]},{"componentType":"sectionTitle","title":"What are the costs?"},{"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":"accordion","accordionList":[{"title":"Sustainable (Duurzaam): asset building with respect for people, the environment and society","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.
"},"textLinks":[{"url":"/particulier/beleggen/duurzaam-beleggen/duurzaamheidsinformatie-duurzaam","text":"Sustainabilty information for Duurzaam (Dutch only)"}]},{"title":"Global trends (Actueel): responding to trends such as tech, healthcare and climate","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.
"},"textLinks":[{"url":"/particulier/beleggen/duurzaam-beleggen/duurzaamheidsinformatie-actueel","text":"Sustainabilty information for Actueel (Dutch only)"}]},{"title":"Income (Inkomen): immediate supplement to your income","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.
"},"textLinks":[{"url":"/particulier/beleggen/duurzaam-beleggen/duurzaamheidsinformatie-inkomen","text":"Sustainabilty information for Income (Dutch only)"}]},{"title":"Index: investing in sustainable index trackers","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.
"},"textLinks":[{"url":"/particulier/beleggen/duurzaam-beleggen/duurzaamheidsinformatie-index","text":"Sustainabilty information for Index (Dutch only)"}]},{"title":"SDG Impact: investments that contribute to the Sustainable Development Goals (SDGs)","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).
"},"textLinks":[{"url":"/particulier/beleggen/duurzaam-beleggen/duurzaamheidsinformatie-sdg-impact","text":"Sustainabilty information for SDG Impact (Dutch only)"}]}]},{"componentType":"paragraph","textLinks":[{"url":"/en/personal/investing/portfolio-management/strategies","text":"Read more about our 5 different investment strategies"}]},{"componentType":"sectionTitle","title":"Let's introduce..."},{"componentType":"paragraph","richBody":{"value":"When you invest your assets with ING, you can rely on the experts from our ING Investment Office. They provide you with the most important market insights or manage your investments themselves. Our professionals bring their own skills, knowledge, and experience.
Our investment experts research, read, and interpret. All to make investing understandable and accessible.
Meet some of our employees, including Bob Homan, Head of the ING Investment Office. What are they working on? What drives them? A brief introduction in Dutch.
"},"textLinks":[{"url":"/en/personal/investing/ing-investment-office","text":"Read more about the ING Investment Office"}],"video":{"type":"video","originalUrl":"https://assets.ing.com/m/3fa13448ee3a207/original/ING_INVESTMENTOFFICE_v10-mp4.mp4","videoPreviewURLs":["https://assets.ing.com/m/3fa13448ee3a207/mp4-ING_INVESTMENTOFFICE_v10-mp4.mp4","https://assets.ing.com/m/3fa13448ee3a207/1080p-ING_INVESTMENTOFFICE_v10-mp4.mp4","https://assets.ing.com/m/3fa13448ee3a207/480p-ING_INVESTMENTOFFICE_v10-mp4.mp4","https://assets.ing.com/m/3fa13448ee3a207/720p-ING_INVESTMENTOFFICE_v10-mp4.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/3fa13448ee3a207/mini-ING_INVESTMENTOFFICE_v10-mp4.jpg","webimage":"https://assets.ing.com/m/3fa13448ee3a207/webimage-ING_INVESTMENTOFFICE_v10-mp4.jpg","thul":"https://assets.ing.com/m/3fa13448ee3a207/thul-ING_INVESTMENTOFFICE_v10-mp4.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"Which investment profile suits me?","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":"What are the historic returns of investing in ING Vermogensbeheer?","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":[{"url":"/en/personal/investing/portfolio-management/returns","text":"More information on returns"}]},{"title":"What are the risks involved in investing?","richBody":{"value":"Investing always involves risks; you may lose (a part of) your investment. This can happen due to various circumstances, such as changes in market confidence caused by regulations or geopolitical events. Generally, investments with higher expected returns are riskier. Therefore, one investment category is riskier than another. Therefore, review the risk per category before you start investing.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/risks-of-investing","text":"Risks of investing"}]},{"title":"What are the costs of ING Portfolio Management?","richBody":{"value":"Investing involves costs. With ING Portfolio Management, this includes a base fee and a service fee. The base fee is a fixed amount of €20 per year. In addition, you pay a variable service fee, which is a percentage of your average invested assets per investment account on an annual basis, including 21% taxes. This percentage varies depending on the strategy and investment profile.
"},"textLinks":[{"url":"/en/personal/investing/portfolio-management/rates","text":"Read more on the costs of ING Portfolio Management"}]},{"title":"How an advisor can help?","richBody":{"value":"The ING Asset advisor guides you through the world of investing. In a personal conversation, the Asset advisor explains the different investment strategies and investment profiles of ING, and together you look at your preferences and principles when it comes to investing. Based on this, a personalized investment plan is drawn up.
"},"textLinks":[{"url":"/en/personal/investing/portfolio-management/the-asset-advisor","text":"Read everything about the Asset advisor"}]},{"title":"Why do I need an LEI if I want to invest with my business account?","richBody":{"value":"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).
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":[{"url":"/en/personal/investing/service/withdrawal-vermogensbeheer","text":"Learn more about withdrawing or schedule an appointment"}]},{"title":"How long does it take for my deposit/withdrawal to be processed?","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.
All the terms and conditions related to investing with ING can be consulted via the page below.
"},"textLinks":[{"url":"/particulier/beleggen/service/algemene-voorwaarden-beleggen","text":"Terms and conditions investing (in Dutch)"}]},{"title":"When do I qualify for Private Banking?","richBody":{"value":"When you have more than €500,000 in assets that you want to have managed, you can contact ING Private Banking. Larger wealth requires more attention and often different expertise, which is why with ING Private Banking you get your own relationship manager and team of experts.
"},"textLinks":[{"text":"Everything on ING Private Banking (in Dutch)"}]}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Please note: This concerns past results. The values of your investments can fluctuate. Past results do not guarantee future results. Investing involves risks and costs. You may lose all or part of your investment. Learn more about the risks of investing and how to limit them.
For informational purposes, we will use the name Portfolio Management. The actual product name is Vermogensbeheer. 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.
For more information about ING's Sustainable Investment Policy, please visit ing.nl/ESG.
"}}]}}}