Savings

Savings and investment guide

Discover how to save and invest smartly

Do you want to save or are you already saving? Saving and investing smartly is more than just depositing money into a savings account. You can save in the short term, for your pension and for bigger projects. The ING Savings and Investment Guide shows you how.

Build a short-term money reserve

Build a short-term money reserve

Lay the foundation for any savings reserve.

Enjoy tax advantages

Enjoy tax advantages

Supplement your pension.

Invest for the long term

Invest for the long term

Spread the risk in your portfolio.

How does the savings and investment guide work?

Make the most of your savings in 3 easy steps

The guide takes you through the full range of savings and investment solutions in 3 steps. Each step shows you how to save more smartly. Answer the questions in each step and you get an overview of the savings and investment solutions that are right for you.

Short Term Reserve
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Fiscal Savings
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Long Term Investments
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My Personal List

Which way of saving suits you best?

Short term

I want an attractive interest rate and the possibility to withdraw from my savings account when it suits me, without my return falling too much.

I have savings that I can put aside for longer than 1 year and in that way I enjoy a higher interest rate. However, in case I need my savings, I still have the possibility to withdraw them.

I want to save for my children's future.

I want to save automatically on a regular basis by putting a fixed amount or a variable amount into my savings account according to the available balance on my account.

Choose the pension plan for your situation

Tax advantages

I want to save for my retirement and pay less tax.

I want to deposit an annual amount until my retirement to benefit from the growth of the financial markets. My capital can generate a significant return in the long term, but it is not protected.

I want my capital to be protected and I want to benefit from a fixed return.

I do not have a home loan and I want to pay less tax through supplementary pension savings.

I am self-employed and I want to benefit from additional tax advantages through a specific supplementary pension savings plan.

Define the focus of your investment

Long term

I want my capital to be paid back on maturity of the investment. I want to choose a fixed or variable return in function of the risk.

I want to focus on capital growth:

I can put aside an amount each month and would like to deposit this into an investment plan at regular intervals. This way I can gradually build up a capital sum.

I have a capital and would like to invest this as a lump sum in a quality investment fund that is managed actively and takes advantage of trends in the financial markets.

I want to benefit regularly from a complementary income while my capital stays available.

Short term ()

Savings Account < 1 Year

Account for savings you need to access within 1 year

  • Online: easy to open
  • Free: no administration fees
  • Available: withdraw money when you need it
Savings Account < 1 Year

Account for when you want to save for at least 1 year

  • Online: easy to open
  • Free: no administration fees
  • Available: withdraw money when you need it
Youth Account

Savings account for young people

  • Attractive interest rate: higher than the classic savings account
  • Flexible: available at any time
  • Safe: your savings are 100% protected
Automatic Savings

Automatic Savings Standing Order

  • Easy: at your own pace
  • Automatic: no waste of time
  • Flexible: you choose the amount and the frequency of the order

Tax advantages ()

Potential Return

Discover the advantages of our pension savings fund.

Guaranteed Capital

Pension savings insurance

  • Tax relief of 30%*
  • Guaranteed interest
  • Flexible: you decide how much you pay in and how often
Additional Tax Advantage

Ideal if you do not have a home loan

  • Tax relief of up to 30%*
  • Guaranteed interest
  • 2,280 euros: the maximum amount that you can deposit
Additional Pension Plan For The Self-Employed

Private Supplementary Pension for the Self-Employed

  • Tax relief of up to 50%*
  • Flexible: you decide how much you pay in and how often
  • Combinable with other pension plans

Long term ()

Capital Protection

Structured bonds

  • Fixed: fixed maturity
  • Growth: potentially high-return coupon
  • Wide range: different risk categories
Gradual Capital Accrual

Regular investment plan

  • Accessible: deposits starting from 25 euros
  • Tailor-made: you decide how much you pay in and how often
  • Growth: possibility of an attractive return
One-Off Cash Deposit

High-quality investment fund with risk spread

  • Diversified: broad and international diversification
  • High quality: in sub-funds with proven qualities
  • Compiled objectively: based on the investment strategy
Supplementary Income

Life insurance with life annuity

  • Tailor-made: choose how often you pay in
  • Transfer of death benefit
  • Tax advantage: untaxed initial annuity

Curious about our other products?

More information about products that fit your needs is available on ing.be.

Short Term Reserve
Fiscal Savings
Long Term Investments

* For private individuals, the law envisages an initial non-taxable interest tranche on regulated savings deposits. The amount of this tranche is indexed annually. If the savings account is opened by two spouses or legal cohabitants, then this amount is doubled. A taxpayer who is subject to personal income tax is legally bound to indicate in their annual tax declaration the total amount of interest originating from any regulated savings accounts, held with ING Belgium or with other financial institutions, exceeding the exemption threshold beneath which no withholding tax has been levied.

** Guaranteed by the issuer on maturity, except in the event of bankruptcy or failure to pay by the issuer and/or any guarantor

ING Belgium's "Guide to Savings and Investments" simulator (hereinafter referred to as "the ING Belgium Simulator") is designed to provide the user with an overview of savings and investment solutions.

The information provided by the ING Belgium Simulator (including the results of the simulation) is only valid at the date when given. The data on which the simulation is based, whether those of ING or of the user of the ING Belgium Simulator, may change between the moment when the simulation is produced and when the savings or investment product is taken out.

Information communicated by the ING Belgium Simulator only takes into account the legislation and regulations (in particular, relating to fiscal matters) in force in Belgium at the time of the simulation. It is the duty of the user of the ING Belgium Simulator to check, if need be, whether other legislation or regulations (in particular, relating to fiscal matters) are applicable. This simulation does not take account of any subsequent changes in legislation or regulations (in particular, relating to fiscal matters) in effect in Belgium at the time of the simulation.

Information provided by the ING Belgium Simulator is given for information purposes only. Drawn up solely on the basis of data provided by the user and objective assumptions by ING Belgium, it may only constitute simple estimates and evidence supporting such. No guarantee can be given as to the accuracy and completeness of the information provided by the ING Belgium Simulator.

ING Belgium has neither considered the knowledge and experience of the user of the ING Belgium Simulator, nor made any assessment of the user's personal situation. It does not constitute a personal recommendation, nor investment advice in accordance with Article 46 (9) and (10) of the Law of 6 April 1995 relating to the legal status and supervision of investment firms. Moreover, information provided by the ING Belgium Simulator can never be considered as an offer.

Users of the ING Belgium Simulator should themselves always assess the information provided by the simulator in the light of their individual circumstances, especially as regards their financial position and investment goals. Users of the ING Belgium Simulator remain fully and solely responsible for any use they freely make of this information and for the consequences of their decisions, except in the event of gross misconduct or intentional wrongdoing on the part of ING Belgium and without prejudice to the applicable laws.

Information communicated by the ING Belgium Simulator only constitutes simple estimates and supporting evidence for the user of the ING Belgium Simulator and does not in any way exempt the user from consulting specialist advisers (on fiscal matters, etc.), in particular with a view to taking into account their specific personal situation.

ING Belgium's branches are available to users of the ING Belgium Simulator to provide them with all additional information and, if applicable and on the user's request, to provide personalised offers subject to ING Belgium's provisional acceptance of the user's portfolio or, for insurance, provisional acceptance by the insurance company concerned. Certain non-personalised offers may also be drawn up via the ing.be website. These offers shall only be valid subject to ING Belgium's acceptance of the portfolio of the user of the ING Belgium Simulator or, for insurance, acceptance by the insurance company concerned. Users of the ING Belgium Simulator are, of course, free to accept or reject the personalised offer which may be communicated to them in detail by ING Belgium.