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Investors can benefit not only from receiving interest and dividends, but also from price increases on the stock market. However, as you will understand, stock market prices do not move in a straight line upwards. Prices can fall for all sorts of reasons, sometimes more sharply than others. This is part and parcel of investing and is nothing to worry about.
Fortunately, experience shows that investors who stick to their personal investment plan achieve a positive average return in the long term. But you need to have the time for this and be able to control your emotions. An investment plan that is well suited to your personal situation will certainly help. It is therefore important to control your emotions and continue to focus on your long-term investment plan. Is your investment plan still up to date? An Asset Advisor will be happy to help you. Schedule an appointment wherever and whenever you want.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/bd164c84-2a6c-4603-a340-5979e8a02678/Jaarlijks-gesprek-over-je-beleggingen","original":"https://assets.ing.com/m/227774f21b948bc/original/Jaarlijks-gesprek-over-je-beleggingen.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"This is what our investment experts do for you"},{"componentType":"paragraph","richBody":{"value":"Do you invest with Portfolio Management? Then the experts at ING Investment Office actively manage your assets so that you have as little to worry about as possible. They closely monitor developments in the economy and financial markets for you, select promising investments, and ensure that they are correctly balanced in your investment strategy. This ensures that your investment portfolio stays on track as much as possible.
Even in times of turmoil, the experts continue to strive for the optimal balance between risk and return. Diversification is very important in this regard in order to absorb fluctuations. With Portfolio Management, your investments are broadly diversified and the risks are also spread. This means you can leave your investments to us with peace of mind.
"},"textLinks":[{"url":"/en/personal/investing/ing-investment-office/members-of-the-team","text":"More about our investment experts"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/5ef32e27-e4d1-493b-b7eb-3d94acfbb058/520x520_investmentmanagers","original":"https://assets.ing.com/m/66b48f3e1bd8f4a9/original/520x520_investmentmanagers.png","extension":"png"}},{"componentType":"sectionTitle","title":"Tips: what you can do during a falling stock market"},{"componentType":"accordion","accordionList":[{"title":"Keep your emotions under control","richBody":{"value":"We cannot stress this enough: try to remain calm at all times. Emotion does not contribute to a successful long-term investment strategy.
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Continue to invest according to your personal investment plan and ensure that it is up to date. Stick to your investment horizon (the period during which you want to invest) and the appropriate risk profile. If you are investing for the longer term, keep your goals for that period in mind.
Do you have questions about your investments or would you like to update your investment plan? An Asset Advisor will be happy to help you in a personal consultation where you can ask all your questions.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/1729c425-4dd3-4f43-8947-201e8cad265f/handinvestinghouse","original":"https://assets.ing.com/m/23d79f5c3fbbb926/original/handinvestinghouse.svg","extension":"svg"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/portfolio-management-update-investment-plan","text":"What can you expect from the Asset Advisor"}]},{"title":"Staying invested pays off","richBody":{"value":"An emotional reaction might be to sell investments when the stock market falls. However, history shows that (temporarily) exiting the market is not a good idea: it can be detrimental to your returns. Bad stock market days can be followed by good stock market days. Selling during a dip not only means that you lock in your losses, but also that you miss out on the recovery that leads to real capital growth. So stay invested. History shows that your patience will ultimately be rewarded.
The chart below shows the return on a $10,000 investment in the US S&P 500 index over the past 20 years. As you can see, missing out on the best stock market days can cost you a lot in terms of returns. And despite some sharp corrections (such as the financial crisis in 2008/09 and the start of the pandemic in 2020), this period has yielded a handsome return if you had remained invested throughout.
"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/6a509c51-b312-4384-97a2-79f4773a7541/Aandelen-Waarde-van-een-belegging-van-10-000-in-de-S-P-500-index-tm-2024-900x500","altTextNL":"Wat is je rendement als je de beste beursdagen mist?","original":"https://assets.ing.com/m/709e14f9fb164fa5/original/Aandelen-Waarde-van-een-belegging-van-10-000-in-de-S-P-500-index-tm-2024-900x500.png","extension":"png"}},{"title":"Know that corrections are a normal phenomenon","richBody":{"value":"History shows that the stock market has always recovered from corrections in recent decades. This is reflected in the chart below. Corrections are therefore a normal phenomenon.
"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/972384e2-fd9d-484b-954d-d6135440aca8/Op-een-correctie-volgt-herstel","original":"https://assets.ing.com/m/5c517e5415fb869b/original/Op-een-correctie-volgt-herstel.jpg","extension":"jpg"}},{"title":"Extra opportunity to join","richBody":{"value":"When stock markets fall and investments lose value, this does not necessarily have to be bad news. Many investors see low prices as an opportunity. At that point, you can buy investments at a lower price. It just depends on what you feel comfortable with and whether your finances allow you to invest more.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/3869d052-337e-4dc4-bd85-c1619979e8c5/girl-coin","original":"https://assets.ing.com/m/700add1459e28026/original/girl-coin.jpg","extension":"jpg"}},{"title":"Periodic (monthly) investing","richBody":{"value":"Do you want to build up your assets in a smart way and spread your investment risk? Then periodic investing might be something for you. By investing at different times, you spread the risk. Whether the stock market rises or falls, you always invest the same amount. This makes you less sensitive to stock market volatility in the long term.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/7802c510-3ba2-432a-b799-5b36280a5b92/hand-jar-hearts","original":"https://assets.ing.com/m/e093cfc6db2fe9a/original/hand-jar-hearts.svg","extension":"svg"},"textLinks":[{"url":"/particulier/beleggen/beleggen-bij-ing/automatisch-beleggen-bij-vermogensbeheer","text":"More about periodic investing with Portfolio Management (Dutch only)"}]},{"title":"Don't check your investments too often","richBody":{"value":"
Ignore the turmoil on the stock market as best you can. Experience shows that many share prices recover sooner or later. So don't be impatient, and perhaps don't follow the prices if you feel uncomfortable about ‘another day of losses on the stock market’. Are you sensitive to seeing volatile stock prices? Then it is wise not to check the status of your investment account too often.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/b21ce1f8-93e0-4442-8d32-1ab72585de37/Woman-towel-bathrobe-cucumber","original":"https://assets.ing.com/m/2ece9092663c52e4/original/Woman-towel-bathrobe-cucumber.svg","extension":"svg"}}]},{"componentType":"sectionTitle","title":"Questions about your investments?"},{"componentType":"paragraph","richBody":{"value":"Do you still have questions about your investments or current developments on the stock market after reading this page? Our Asset Advisors are here to help. Simply schedule an appointment. This can be done via video call or telephone, wherever and whenever suits you best.
"},"textLinks":[{"url":"/particulier/sparen-en-beleggen/belafspraak","text":"Schedule an appointment"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/baf3768b-cabe-4996-85e2-adcde843fad3/portrait-of-young-woman-looking-away","original":"https://assets.ing.com/m/499abd7e8ca7cd67/original/portrait-of-young-woman-looking-away.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Are you not yet investing with ING Portfolio Management?"},{"componentType":"paragraph","richBody":{"value":"Outsourcing your investments to a professional party can give you extra peace of mind. ING Portfolio Management is available for investable assets of €50,000 or more. With Portfolio Management, our investment experts take care of managing your investments so you don't have to worry about them. Schedule a free, no-obligation meeting with a Asset Advisor to discuss your options.
"},"textLinks":[{"url":"/en/personal/investing/portfolio-management","text":"More about Portfolio Management at ING"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/aa297841-c8b5-476b-a227-f4bb0003a4db/Elderly-couple-snorkeling-on-vacation","original":"https://assets.ing.com/m/1a57bd3411cf9ee0/original/Elderly-couple-snorkeling-on-vacation.jpg","extension":"jpg"}},{"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.
*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.
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