25 July 2019
4 ways to benefit from a Personal Banker
How to get a balanced investment portfolio, based on the best investment advice. Set up your pension the best way. Protect your family if something happens to you. Get tailored advice now, from your Personal Banker.
Because your expectations and requirements need unique solutions, your ING Personal Banker can propose investment solutions that are perfectly suited to your objectives
Management of your portfolio can cover several objectives:
- Building up your asset base
- Protecting your assets
- Providing you with additional income
Your ING Personal Banker will therefore help you to build up a balanced portfolio suited to your objectives, your investment horizon and your investor profile.
How is your investor profile determined?
Together with you, your ING Personal Banker will analyse your knowledge of financial products, experience, attitude to risk and investment horizon. Four investor profiles can result from this analysis, from the most conservative to the most dynamic:
Depending on the profile that best corresponds to you, the current breakdown of your investment portfolio and your objectives, your ING Personal Banker will offer an effective strategy, with products ideally suited to your personal situation.
Your Personal Banker can also help you evaluate a variety of solutions, both tax related and otherwise, so you can maintain your standard of living and get the most from your retirement.
Because you want the best for the ones closest to you, we help you protect your family from financial worries, whatever lies around the corner.
In fact, what would the financial impact be for your family if you were unable to work, even temporarily? Or what would happen to your assets in the event of your sudden death? Your ING Personal Banker will present you with an overview of the various solutions available to you.
The inclusion of accident or disability risk cover is a basic precaution to ensure a care-free future.
Additionally, your Personal Banker will support you when it comes to financing your projects. Together, you will pinpoint your needs so that he or she can refer you to one of our lending experts.
What does a Personal Banker do?
A Personal Banker advises clients with assets of 100,000 euros or more on investments, pensions, financial protection and credit. A Personal Banker is your personal point of contact and can act as an intermediary between you and a specialist
1. Protecting your family and assets
Do you want to set up your pension in the best possible way? Do you want the best for your family and loved ones, no matter what happens to you? Or perhaps you want to limit the impact of a possible occupational disability?
A Personal Banker not only helps you to choose tailor-made insurances, such as life insurance and income insurance. He or she will also ensure the continuity and protection of your assets. In doing so, your Personal Banker takes into account your personal situation, your (future) financial needs and the priorities for you and your family. Personal Banker services are also known as private banking.
2. Better preparation for your retirement
You probably want to maintain the same standard of living when you retire. You might even want to improve your lifestyle. You could travel, or pick up the hobbies for which you had less time during your busy career. Your statutory pension and the amount you accumulate through pension savings may, however, not be sufficient for you to maintain the same standard of living.
Whether you are 20, 40 or 60 years old, your Personal Banker will be happy to provide you with tax and investment advice and solutions – both before and during your retirement. This will allow you to close the gap, step by step, between your current standard of living and what you can expect to enjoy in retirement.
Your Personal Banker will also advise you on the management of your pension capital. You may also want investment advice on the best investment opportunities for generating a regular income from your assets. In which case your Personal Banker can offer you a variety of tailor-made solutions.
Wondering what a Personal Banker can do for you in practice? Read how our client, Jan, experienced Personal Banking at ING
3. Savings, financing and investment advice
Your Personal Banker will help you create a diversified portfolio of savings and investment products. The focus is on protecting and growing your assets, possibly supplemented with savings and/or the best investment funds. And perhaps structured to generate a regular income.
Your Personal Banker monitors your financial situation regularly and you can contact him or her at any time for advice. Your Personal Banker provides advice based on your personal profile, but the decisions on subscribing to a savings plan, when to invest or when to resell a particular financial product are entirely your own. So you retain control of your money at all times.
How can you best put money aside - and grow it? Which formula is the smartest – to optimise saving for your own benefit, but also for the benefit of your children or, perhaps, grandchildren?
You get personal advice, for example, on the best investment opportunities for generating a regular income. Your Personal Banker can also help you to manage your retirement capital and to make the best short, medium and long-term decisions.
Do you want to use your investment portfolio to achieve a specific goal? Do you require your capital to be available to you at a certain date? What risks do you want to take in relation to a potential return? Your Personal Banker will also advise you on these strategic investment issues - always based on your personal investor profile and your own financial objectives.
If you invest in funds, you will also benefit from ING's guided open architecture. This gives you the choice of funds from other financial institutions. You can invest in a selection of funds from five renowned fund managers: NN Investment Partners, Amundi, BlackRock, Franklin Templeton and AXA Investment Managers
Considering a second home? Facing an interesting opportunity for your business? Your Personal Banker will not only assist you in managing your assets, but will also help you to finance projects, and can put you in touch with our credit experts.
4. Expertise is as close as a phone call
Your Personal Banker will be happy to meet you where and when it suits you. He or she can be reached every working day between 8 a.m. and 8 p.m., and will be happy to meet you at the office or your home. You will also receive regular information on economic trends, legislative changes, investment trends, etc. – by means of newsletters and at events. And you will always benefit from the large network of knowledge and expertise offered by ING. For example on issues such as taxation and wealth transfer within your family.