{"type":"document","data":{"id":"26ec00ab-b032-4755-b799-4cc34d4eebc2","localeString":"en-GB","publishDate":"2026-04-13T15:46:49.016+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The allocation of your investment portfolio affects the likelihood of being able to (partially) repay your mortgage. That’s why it can be wise to check and, if necessary, adjust your portfolio composition from time to time."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Do you have an Investment mortgage (extra lenen), a Fondsenmix mortgage (extra lenen), or a Meerwaarde mortgage? Then the allocation of your investment portfolio affects the likelihood of being able to (partially) repay your mortgage. That’s why it can be wise to check and, if necessary, adjust your portfolio composition from time to time.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/c14456e9-ec47-4209-aad2-ef92bdfbf747/Blik_op_de_beursweek-1","type":"image","width":656,"original":"https://assets.ing.com/m/73746f1cc3d418bc/original/Blik_op_de_beursweek-1.png","extension":"png"},"title":"Adjusting Your Investments","subtitle":"Your investment mortgage"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Return and risk","richBody":{"value":"<p>Investing is all about return and risk. These two are closely linked. In general: investments with higher expected returns also carry higher risk. If you settle for lower return expectations, the risks are usually smaller. But whatever choices you make, investing is never completely risk-free.</p>"}},{"componentType":"paragraph","title":"Gradually reducing risk","richBody":{"value":"<p>You have control over the risks you take. Consider your goals, possibilities, and investment horizon. Your investment horizon is determined by the moment you want to achieve your investment goal. If you invest to (partially) repay your mortgage, your investment horizon equals the number of years until your mortgage end date. Gradually shifting to less risky investments can be wise as your mortgage end date approaches. The shorter your remaining investment horizon, the more sensible it may be to reduce risk. This way, you’re less likely to lose the value you’ve built up—though you also reduce the chance of achieving higher returns.</p>"},"alignedImage":{"position":"top","transformBaseUrl":"https://assets.ing.com/transform/b1cea34c-98a7-4fe4-91b3-0c83a1563da3/voorbeeld-risico-afbouw","original":"https://assets.ing.com/m/681c6b67162a8919/original/voorbeeld-risico-afbouw.png","extension":"png"}},{"componentType":"paragraph","title":"Adjusting your investment allocation","richBody":{"value":"<p>Changing the composition of your investments is the most important step you can take to reduce investment risk for your capital growth. ING offers five investment profiles. Each profile specifies the ratio between fixed-income securities (bonds) and equities (such as shares, real estate, and alternative investments). A (very) defensive investment profile has a relatively large share of fixed-income securities and a small share of equities. In a (very) aggressive investment profile, this ratio is reversed.</p>"}},{"componentType":"paragraph","title":"Choose your mortgage type","richBody":{"value":"<p>You can find the product name and information about the funds you invest in on Mijn ING or in the ING App.</p><ul><li>Do you have an Investment mortgage (extra lenen) or a Meerwaarde mortgage? Then you can adjust your investment allocation through <a href=\"http://assets.ing.com/m/7c87cd07baf26b20/original/ING_Beleggingsproducten-bij-hypotheek-wijzigen.pdf\">this form</a>.</li><li>Do you have a Fondsenmix mortgage (extra lenen)? Please contact us by phone so that one of our representatives can discuss your requested changes with you.</li></ul>"}},{"componentType":"paragraph","title":"More information","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/particulier/beleggen/hoe-werkt-beleggen/beleggingsportefeuille","text":"General information about investing"},{"url":"/particulier/beleggen/beleggen-bij-ing/risicos-van-beleggen-risicometer","text":"More information about the standard investment profiles"},{"url":"/en/personal/investing/investments-at-ing/eenvoudig-beleggen-ing-global-index-portfolio","text":"More information about the ING Global Index Portfolio funds"},{"url":"https://www.gsam.com/responsible-investing/nl-NL/professional/funds/dividend-beleggingsfondsen","text":"More information about the Goldman Sachs (GS) funds"},{"url":"/particulier/hypotheek/hypotheekvormen/overige-hypotheken","text":"More information about the Investment mortgage (extra lenen)"},{"url":"/particulier/beleggen/beleggen-bij-ing/zelf-op-de-beurs","text":"More information about the costs of investing"},{"url":"/particulier/hypotheek/hypotheekvormen/overige-hypotheken","text":"More information about the Meerwaarde mortgage"},{"url":"/particulier/hypotheek/hypotheekvormen/overige-hypotheken","text":"More information about the Fondsenmix mortgage (extra lenen)"}]},{"componentType":"paragraph","title":"Please note","richBody":{"value":"<p>You may have to pay tax on the returns you earn. For more information, visit<strong> </strong><span><span><span><span><span><span><a href=\"https://www.belastingdienst.nl/wps/wcm/connect/nl/home/home\">Belastingdienst.nl</a></span></span></span></span></span></span></p>"}}]}}}