The chart below shows the historical returns achieved with our strategy Sustainable (Duurzaam) managed by our investment experts. You can see the net return, which is the return after deducting all costs, including the service fee and base fee. We have assumed an invested starting amount of €100,000. Do you prefer to see the returns in a table? Then open the field below the chart.
"},"alignedImage":{"position":"bottom"}},{"componentType":"paragraph","title":"ING Portfolio Management once again achieves the highest annual return in 2025","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":"Historic returns of strategy Sustainable (Duurzaam)"},{"componentType":"paragraph","title":"The evolution of € 100,000 in ING Portfolio Management (Vermogensbeheer)","alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/72cb62b6-f969-4383-901d-bfd4194ccd5c/GOED-ATV-rendementsweergave-2026-EN","original":"https://assets.ing.com/m/6239c32d51893096/original/GOED-ATV-rendementsweergave-2026-EN.png","extension":"png"}},{"componentType":"accordion","accordionList":[{"title":"Table with the historic net returns in % per year including year averages","richBody":{"value":"| Average* | '14 | '15 | '16 | '17 | '18 | '19 | '20 | '21 | '22 | '23 | '24 | '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dynamic | 9,2 | 13,1 | 14,1 | 4,6 | 8,2 | -4,0 | 25,5 | 7,6 | 23,2 | -15,2 | 17,6 | 16,0 | 6,9 |
| Active | 7,4 | 11,9 | 11,2 | 4,4 | 7,0 | -3,4 | 20,9 | 6,9 | 16,9 | -15,2 | 14,2 | 12,5 | 6,2 |
| Balanced | 5,5 | 10,8 | 8,2 | 4,3 | 5,5 | -3,0 | 16,2 | 5,2 | 11,0 | -15,1 | 12,2 | 9,4 | 5,1 |
| Moderate | 3,5 | 9,6 | 4,9 | 4,2 | 3,8 | -2,5 | 11,7 | 3,7 | 4,6 | -14,8 | 9,9 | 6,3 | 3,6 |
| Conservative | 1,6 | 8,5 | 1,5 | 4,3 | 2,1 | -2,1 | 7,3 | 1,8 | -0,7 | -14,8 | 7,4 | 3,9 | 2,4 |
* The annualized return over the period 2014 to 2025.
"}}]},{"componentType":"paragraph","richBody":{"value":"Shown returns are based on actual historical returns obtained. The values of your investments can fluctuate. Past results do not guarantee future results.
"}},{"componentType":"sectionTitle","title":"What is important to know"},{"componentType":"accordion","accordionList":[{"title":"Why net returns may vary in practice","richBody":{"value":"The returns in the chart shown above are based on a fictive investment portfolio without periodic deposits or withdrawals. The net returns are based on an invested starting capital of € 100,000. If you started with a different amount or at a different time, the outcome of the realized net return may differ from the net returns shown in the table. These deviations occur because:
In addition to the different investment strategies, ING Portfolio Management (Vermogensbeheer) also offers different risk profiles within each strategy. Together with an Asset advisor you discuss your risk preferences and accordingly a risk profile is determined.
The different risk profiles consist of different types of investments, in which two main categories are distinguished: fixed income and equities. These investments are applied in different proportions per risk profile, the initial distribution is as follows:
| Risk 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, we may deviate from this allocation by up to 10%. With this so-called active investment policy, we aim to achieve a better return than the broad financial market while matching the risk of the profiles to the risk appetite of your goals.
Read more information about the risks of investing here.
"}}]},{"componentType":"sectionTitle","title":"What suits you?"},{"componentType":"paragraph","richBody":{"value":"As you can see, the returns realized vary by profile. What exactly do these risk profiles entail? And which investment strategy suits you best? Our advisors will help you make this choice. Schedule a no-obligation intake and in 15 minutes you will know more.
"}},{"componentType":"cta","textLink":{"url":"/en/personal/savings-and-investing/afspraak-vermogen-en","text":"Make an appointment"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"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. Also, read the General Terms and Conditions Investments.
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