Define the amount of your annual Star Fund and the payment date
Star Fund is a pension savings fund managed by NN Investment Partners.
Star Fund is a pension savings fund in the form of a mutual investment fund under Belgian law with an unlimited term and is managed by NN investment Partners. Star Fund aims to invest in companies and issuers that pursue responsible development policies while respecting the principles of the environment, social responsibility and corporate governance. You can find out how you can apply for Star Fund at the bottom of this page.
To your size
You choose the amount and frequency of your payments yourself, starting at 24 euros
Star Fund has obtained, in Belgium, the Towards Sustainability label, a quality standard for socially responsible and sustainable financial products. The allocation of this label to the subfund, does not mean that the subfund meets your objectives with regards to sustainability or that the label meets the requirements of future national or European rules. For more information with regards to this subject, please see the website of FSMA. The label obtained is valid for one year and an annual review will take place.
An investment in Star Fund entitles you to pension savings tax relief in accordance with the provisions of the 1992 Income Tax Code, as described below, subject to changes to fiscal regulations. In principle, repayment of capital can only be requested after 10 years. However, the possibility of exiting the fund prematurely remains available, although this has extremely adverse tax consequences (tax rate of 33%).
The ongoing charges amount to 1.17% and the subscription fees are 3%.
The main risks to which the fund is exposed are market risk, capital risk, non-performance risk, credit risk, exchange rate risk, concentration risk, risk of inflation, sustainabilty risk and liquidity risk. We advise you to inform yourself thoroughly about the risks associated with Star Fund before you invest in it. You can find this information further down this page under 'the main risks associated with Star Fund'.
Before you start investing in Star Fund, please read the Key Investor Information and the prospectus.
These documents are also available on request and free of charge from your ING branch and on this site in English, French and dutch.
The fund is a legally authorised pension savings fund that invests in a mixed portfolio of equities, bonds and cash, primarily denominated in euro, in accordance with the applicable legislation on funds and taxation of pension savings funds. The portfolio is spread across various asset classes, countries and sectors and is actively managed in order to be able to respond to changing market conditions whilst, among other things, using fundamental and behavioural analysis, resulting in a more dynamic asset allocation across different various investments. The aim of the fund is to create long-term value. Benchmark: 60% MSCI Composite Return (64% MSCI EMU Net Return/20% MSCI EMU Small Caps Net Return/13% MSCI U.S. Net Return/3% MSCI Japan Net Return), 35% Bloomberg Barclays Euro Aggregate Total Return and 5% 1-month Euribor. The composition of the fund's investments may differ materially from that of the benchmark. The benchmark provides a broad view of our investment universe. The fund may invest in securities outside this universe. The benchmark is used as part of the internal risk assessment process. The fund may only use derivatives to hedge against exchange rate risk. You can sell your share in the fund on any trading day on which the value of these shares is calculated. The fund promotes environmental and/or social characteristics, as described in Article 8 of the Sustainable Finance Disclosure Regulation ("SFDR"). Specifically, this means that the fund manager looks beyond mere financial criteria. When making investment decisions, restriction criteria and the analysis of environmental, social and governance factors (hereinafter referred to as ESG factors) are also taken into account. Further details of the ESG integration methodology is available in the "NN IP Responsible Investment Policy", which can be found at www.nnip.com. For more information on the investment policy and the exclusion criteria applied, please see the prospectus, which can be consulted at www.star-fund.be. The fund does not aim to pay you a dividend. It will reinvest all earnings.
*The term "fund" refers to a mutual investment fund (of the pension savings fund type).
** The term “pension savings” used on this web page refers to an investment in a pension savings fund
In addition to the financial criteria, Star Fund promotes ecological and/or social characteristics. In concrete terms, this means that investment decisions also take into account the restriction criteria and the analysis of environmental, social and governance (ESG) factors.
The manager uses internal and external scoring systems for this:
The fund only aims to invest in companies and institutions that pursue responsible development:
Henceforth, Star Fund applies the NN IP Responsible Investment Policy, with regard to the criteria used by the Fund for responsible investment.
These criteria may give rise to certain restrictions. These restrictions apply in particular to issuers engaged in activities such as (non-exhaustive list):
In addition to these general restriction criteria, the selected companies must meet additional restriction criteria. These additional restriction criteria relate to companies that are active in the following sectors:
Star Fund does not invest in companies that violate generally accepted values and standards:
Star Fund thus combines the characteristics of a broadly diversified portfolio with responsible investment. More information on the ESG-criteria can be found in the prospectus.
There is no direct link between the ecological and social characteristics of the subfund and the benchmark used by the subfund.
1 Restriction criteria applicable to this sector: Companies that derive more than 5% of their income from coal mining for electricity production are excluded.
2 Green bonds are fixed-income instruments where the proceeds are used to partially or fully (re)finance new and/or existing projects that have proven to be beneficial for the environment.
3 ILO = International Labor Organization.
4 OECD = Organization for Economic Co-operation and Development.
Valid on 30/04/2021
after 1 year
after 3 years
after 5 years
after 10 years
Source: Morningstar Direct ™
Actuarial return expressed on an annual basis in the currency of the relevant mutual investment fund over 1 year, 3 years, 5 years, 10 years and since inception. This relates to the end-of-month returns based on historical data.
The returns shown and the changes in net asset value refer to the past, and past performance is not a reliable indicator of future performance. Past returns include fees and commissions, with the exception of entry and exit fees and conversion costs. Past returns are calculated in EUR on an annual basis. The returns shown apply to the investment fund's capitalisation base. The returns between 2008 and 2015 were achieved at a time when the pension savings fund had different characteristics. As a result of the change to the investment policy of the pension savings fund as from 1 October 2018, the returns have been calculated on a different basis as from that date.
ISIN code: BE0026510298
Date of creation of the share class: 19/02/1987
Currency of the share class: The currency of reference is the euro.
Please note: returns are not guaranteed. You should also take the subscription fees and ongoing charges into account, as described in the following paragraphs.
The main risks to be considered are as follows:
No guarantee is given that returns will be obtained and/or that the initial stake will be recovered. Amounts invested in CIUs (Undertaking for Collective Investment) are not covered by the Fund for the protection of deposits and financial instruments.
The net asset value is published on every public banking working day in the Belgian financial press as well as on the BeAMA website (please note: if you click on this link, you will leave the ING website). It is also available at the management company’s registered address and from branches with financial service providers.
A detailed description of all fees is available on page 20 of the prospectus.
Contact us online: www.ing.be/complaints, call us: +32 2 464 60 04 or send us a letter: ING Complaint Management, cours Saint-Michel/Sint-Michielswarande 60, 1040 Brussels.
Define the amount of your annual Star Fund and the payment date
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Summary of the subscription and signature
The Belgian Star Fund pension savings fund is offered (to acceptance by ING Belgium SA/NV and mutual agreement) by: ING Belgium SA/NV – Bank. Head office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels – Brussels Register of Companies – VAT BE 0403.200.393 – BIC (SWIFT): BBRUBEBB - IBAN (account): BE45 3109 1560 2789 (310-9156027-89).
This publicity message is a public offer and not a personal recommendation 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. 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.