Structured Products are complex financial instruments, consisting of multiple components such as a bond and one or more options. This combination allows them to respond to specific market expectations or investment objectives, such as capital protection, generating periodic income, or benefiting from price movements of underlying assets such as equities or indices. The exact structure is tailored to your personal risk profile, market outlook, and investment horizon.
"}},{"componentType":"sectionTitle","title":"Intended audience for Structured Products"},{"componentType":"paragraph","richBody":{"value":"Structured Products can be a valuable addition to your portfolio if they match your knowledge level, experience, and financial situation. A prerequisite is that you have sufficient assets to add this category to your portfolio (at least €500.000 freely investable with a minimum of €2.500.000 in total assets). A knowledge test is mandatory for this investment category.
At ING, we offer Structured Products from various providers. Together with your relationship manager, you will discuss the possibilities and the characteristics and risks you need to consider.
"}},{"componentType":"sectionTitle","title":"Why invest in Structured Products?"},{"componentType":"paragraph","richBody":{"value":"What are the main reasons to add Structured Products to your portfolio? They combine customisation with flexibility and offer:
"}},{"componentType":"actionAccordion","actionAccordionList":[{"title":{"value":"Capital protection
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/22b60e29-628e-4dbe-8d38-46ae279a28df/Functionalities-Locked_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/24ec1db4b2f6da58/original/Functionalities-Locked_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Tailored risks and the ability to generate returns without having to trade actively yourself. This way, you continuously benefit from a customised risk profile that aligns with your investment profile.
Note: capital protection only applies at maturity and under specific conditions. In the event of early sale or bankruptcy of the issuing party, (part of) the invested capital may be lost.
Predictable cash flow
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/b12756dc-dfbc-40fc-b817-97056e47deee/Transactions-Transfer_In_Euro_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/5ef05f9a972160ad/original/Transactions-Transfer_In_Euro_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Potential periodic payments in the form of a coupon, similar to bonds. The payout depends on predetermined conditions linked to the performance of the underlying asset.
"}}]},{"title":{"value":"Alignment with market scenarios
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/b485537a-ff5f-4785-bf14-9c82b45a63c8/Arrows-Graph_Up_Down_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1cd390e216b9f46d/original/Arrows-Graph_Up_Down_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Access to markets by tracking the performance of, for example, equities or indices.
"}}]},{"title":{"value":"Customised risk-return profile
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/f13a6844-f54a-48f9-b1c2-aa99ddf09f01/Functionalities-Edit_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/4b3a781ef04af50a/original/Functionalities-Edit_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Fully adaptable to your personal risk appetite and return objectives, ensuring investments align with your broader investment strategy.
"}}]}]},{"componentType":"sectionTitle","title":"Make a careful assessment"},{"componentType":"paragraph","richBody":{"value":"Structured Products offer opportunities, but it is also important to consider the risks. You are dependent on the financial health of the issuing party – in the event of bankruptcy, you may lose your investment (partially). Marketability may also be limited, especially in volatile markets. Returns are often linked to the performance of an underlying asset, which brings uncertainty. And if you receive a coupon or your investment back during the term, you may need to reinvest it under less favourable conditions.
In short, these products require a good understanding of the terms and a careful assessment within your overall investment strategy.
"}},{"componentType":"sectionTitle","title":"Examples of Structured Products"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Capital protection product","usps":[{"body":"At the end of the term (e.g. 5 years), you receive your full investment back, regardless of market developments. In addition to this protection, you may benefit from part of the increase in an underlying asset, such as a basket of equities.","iconType":"optional"}]},{"title":"Autocallable Note","usps":[{"body":"This product pays a fixed annual coupon as long as an underlying index, such as the Euro Stoxx 50, remains above a predetermined Coupon Barrier. If the index is above the Autocall Barrier at a measurement point, the product is automatically terminated (‘autocalled’) and you receive your investment back along with the final coupon payment.","iconType":"optional"}]},{"title":"Reverse Convertible","usps":[{"body":"This product offers a relatively high coupon, but you run the risk of receiving shares at the end of the term if the price of the underlying share has fallen below a certain threshold.","iconType":"optional"}]}],"title":"Capital protection product,Autocallable Note,Reverse Convertible"},{"componentType":"sectionTitle","title":"The risks of Structured Products"},{"componentType":"paragraph","richBody":{"value":"The risks of these products vary. There is counterparty risk, meaning the potential bankruptcy of the debtor (the issuing institution). The return is capped at the coupon rate. A coupon is paid if the index is equal to or above the coupon threshold on the coupon date. If the underlying asset falls below the redemption threshold, you lose the principal guarantee as an investor. There is a potential loss of 100% of the investment (if the underlying asset drops to zero).
Which type of risk applies to which product can be found in the relevant factsheet/prospectus and the Key Information Document (KID). This is a concise document that explains the main features, risks, costs, and potential returns of the product in plain language, helping investors make better-informed decisions.
Together with your Private Asset Manager, you can review these documents. We offer products from various providers, which means there are different debtors, each with their own credit risk. Risico’s per beleggingscategorie (NL)
"}},{"componentType":"sectionTitle","title":"Disclaimer"},{"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.
"}}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Make an appointment","intro":"Let's start a conversation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3e538078-976f-4b74-b49c-90d7cd895df2/Web-12","type":"image","width":307,"original":"https://assets.ing.com/m/1d41bac33a10b194/original/Web-12.svg","extension":"svg"},"link":{"url":"/en/private-banking/customer-service"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Log in to My ING","intro":"Quick insights into your financial situation","image":{"transformBaseUrl":"https://assets.ing.com/transform/33c4e3a2-7e3d-47a1-9c6f-1993eedcdb8c/Web-13","type":"image","width":307,"original":"https://assets.ing.com/m/5aecfb619a645cd6/original/Web-13.svg","extension":"svg"},"link":{"url":"https://mijn.ing.nl/login"}}]}]}}}