ING Focus Plan Bricks for kids
Invest right now for your child's future.
Do you dream of a bright future for your children, your grandchildren or your godchildren? Start saving right now and offer them the best possible opportunities for their future (further education, a house, etc.). Don't wait any longer to find out all about the benefits of the ING Focus Plan Bricks for Kids, the investment plan for young people.
Potentially high return
You can benefit from any potentially favourable trends in the financial markets but neither your capital nor the return are guaranteed.
Made to measure investment plan
You choose a fund yourself to match your investor profile along with the duration of your contract and the frequency of your payments.
Starting from €25
You do not need a big budget. You can make deposits from as little as €25.
Flexible amount, premium and term
You can adapt your plan free of charge at any time.
The ING Focus Plan Bricks for Kids is intended for anyone: parents, grandparents, godfather, godmother etc.; anyone who holds an ING current account or an ING Invest Account and who wants to invest regularly in order to give a child a helping hand.
It allows you to build up a potentially handsome nest egg for your child, grandchild, godchild, niece or nephew, for when they decide to leave the nest. Your money is invested in a sub-fund*.
*See legal information
You decide for yourself how much to pay in. As the money is invested in shares in a sub-fund, you do not need a big budget. You can invest from as little as €25 per fund*.
You also choose the duration of your investment plan. This must be at least one year.
*See legal information
Tailored risks: Depending on your investor profile, and the funds* you invest in.
Return is not guaranteed: The return on your ING Focus Plan Bricks for Kids is not guaranteed. The same goes for your capital. Depending on the performance of the fund* you select, you may see some attractive gains.
*See legal information
You can open, change or terminate the agreement free of charge.
Sales charge is 3%.
ING Focus Plan is a (non-fiscal) periodical savings scheme offered (subject to acceptance by ING Belgium SA/nv and to mutual agreement) by: ING Belgium SA/nv – Bank. Registered office: avenue Marnix 24, B-1000 Brussels – Brussels RPM/RPR – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789.
With this plan, instalments are invested in units of capitalisation funds (sub-funds) under Belgian or Luxembourg law (with an indefinite term). Our experts rigorously select the sub-funds offered under this scheme. This range is subject to revision at any time (before and after subscription subject to prior notice).
Absence of a link with the USA
An ING Focus Plan may only be opened for natural persons having no link with the USA. The client acknowledge that at present he does not meet one of the following criteria: having the American Citizenship, a postal, legal or fiscal address within the USA, a Phone Number within the US or a permanent residence permit for the United States ("Green Card"). The Client commit himself to immediately inform ING in the future if he should meet one of the above mentioned criteria. Such a change will lead to the application of art. 107.3 of the Special Regulations for Trading in Financial Instruments, and the investments plan ING Focus Plan will be ended on 31/12 of the year in which ING was informed about this change.
Each sub-fund of the underlying fund has its own investment objective*.
The sub-funds of the underlying fund imply respective risks to be taken into consideration*. The occurrence of one of these risks can impact negatively on the net value of your portfolio. No guarantee is given that returns will be obtained and/or that the initial stake will be recovered.
Term and amount
The minimum term of Focus Plan is one year. However, the plan may be terminated at any time free of charge. The minimum investment amount is 25 euros per deposit.
Issue charges: 3%. Running costs (including annual management fee): the annual fee varies depending on the sub-fund(s) chosen*. Safekeeping fees (custody fees): 0% per annum.
Taxation (under current legislation)
Taxation: depends on the sub-fund(s)chosen*. General rule for sub-funds: Tax on stock exchange transactions in the event of redemption (capitalisation shares): 1.32% (with a max. of 4,000 euros). Rates currently in force, variable before and after subscription, subject to prior notice.
Such taxation applies to private individuals who reside in Belgium. Taxation depends on the individual situation of each customer and can be modified subsequently.
Net asset value of the sub-fund
The net asset value of the sub-fund funds concerned by the Focus Plan is calculated in Belgium each bank working day. The net asset value is published every public banking business day in Belgium in the financial press, as well as on the BeAMA website (www.beama.be/en/nav). It is also available at the Management Company’s registered address and over the counter from your financial services provider.
Identity of financial broker
Each sub-fund fund offered through Focus Plan has its own financial broker. To read more, please go to the relevant section in the documents providing key information for investors for the fund of the sub-fund(s) chosen.
If you have a complaint, please contact ING – Complaint Management – Cours Saint Michel, 60 – 1040 Brussels. If you are still dissatisfied, please contact the Ombudsman for financial disputes, North Gate II, Avenue Roi Albert II 8, 1000 Brussels. (www.ombudsfin.be).
Before subscribing, please read the following documents for the ICVC sub-fund(s) selected:
The key investor information document (KIID). ING selects its funds from those on offer by renowned investment houses.
The latest annual report
The latest periodic report
The sales brochure
These documents are compiled in French, Dutch, English and German and are available from your ING branch by calling 02 464 60 04, as well as on ing.be > Investments..
This advertising message is a public offer and does not constitute investment advice in accordance with Article 46, 9° and 10° of the law of 6 April 1995 on the status and supervision of investment companies, nor savings and investment insurance advice in accordance with the Royal Decree of 21 February 2014 on the terms of application to the insurance sector of Articles 27 to 28bis of the law of 2 August 2002 on the supervision of the financial sector and financial services. Customers should assess this information for themselves in the light of their own individual situation, taking account of their financial situation and their investment objectives. Customers remain solely and fully liable for the use they choose to make of such information and the consequences of their decisions. ING Bank Belgium does not in principle provide investment services for US Persons.
ING Belgium SA/nv • Bank • Avenue Marnix 24, B-1000 Brussels • Brussels RPM/RPR • VATBE 0403.200.393 • BIC: BBRUBEBB • IBAN: BE45 3109 1560 2789 • Insurance broker registered with the FSMA under the n° 12381A.
*Funds means an “undertaking for collective investment” (= UCI). UCI is a general term which refers to institutions that obtain their financial resources from the public and whose business consists in managing a portfolio of financial instruments. The term “funds” therefore includes both ICVC (variable capital) and ICFC (fixed capital) investment companies and mutual funds as well as their sub-funds.
Open your plan
You invest in funds held in a securities account in the name of the child.Make an appointment in a branch
Manage your plan
You can change the amount and frequency of your payments, or the fund in which you invest.
Terminate your plan
You can end your contract when you want, with no charge.