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Star Fund is a sustainable 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. 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 invests in sustainable securities. You could benefit from potentially attractive yields over the long term. However, no guarantee is given on returns or capital.
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 main risks to which the fund is exposed are market risk, credit risk, liquidity risk, exchange rate risk, non-performance risk, risk of inflation, capital risk, concentration risk and counterparty 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'.
The ongoing charges amount to 1.17% and the subscription fees are 3%.
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.
Star Fund is managed by NN Investment Partners, which is responsible for drawing up the selection criteria and for determining and monitoring how the fund is managed.
Star Fund endeavours to be a responsible investor. It does not invest, for example, in companies directly involved in the development, manufacture, maintenance or trading of controversial weapons.
Star Fund does not invest in companies that breach generally accepted values and standards:
From October 2018 Star Fund is further raising its ambitions in the area of sustainability, without compromising its current investment objectives.
In future, the fund* will endeavour only to invest in companies and institutions that pursue sustainable development and:
In concrete terms this means that the manager looks beyond purely financial criteria. Even more importance is attached to the sustainability score of the investment candidates when the portfolio is put together.
Furthermore, Star Fund now excludes certain activities to an even greater extent than in the past.
Alongside the existing exclusions, i.e. companies that generate more than 5% of their revenues from
However, the fund is able to invest in Green Bonds issued by companies active in the nuclear energy sector. Green Bonds are, after all, issued solely for the purpose of financing climate-friendly projects. This list is not definitive and is subject to change. Star Fund therefore combines the characteristics of a widely diversified portfolio with a sustainable investment approach.
More information about the sustainability criteria can be found in the prospectus, which is available under the list of documents in the section above.
Would you like to know more about the sustainablility of Star Fund ?
Then read the sustainability report prepared by the asset manager.
*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
Valid on 31/12/2021
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.
Have you already been in touch with ING? You can also contact Ombudsfin, Nort Gate II, Avenue Roi Albert II 8, 1000 Brussels, call +32 2 545 77 70 or send an email to firstname.lastname@example.org.
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.