Regular investment plan

ING Focus Plan

What is the ING Focus Plan?

The ING Focus Plan is a regular investment plan aimed at building up a potentially handsome sum, little by little. You invest in funds that you select based on the risks you are willing to take. You combine the benefits of a savings plan with the advantages of an investment.

Who is it for?

You must be over 18 and have an ING current account or an ING Invest Account.


  • Open online: Invest your money in a fund you choose on the basis of the level of risk you feel comfortable with. Deposits are made automatically on a monthly basis via standing order.
  • Open via your ING branch: an ING investment advisor will determine your investment profile during a brief discussion. Your advisor will then offer you a choice of funds adapted to your investment profile. You can choose to pay in monthly, quarterly, half-yearly or annually.
  • Freedom: change how much, how often and/or which funds you want to invest in free of charge. You can stop your investment plan whenever you wish.
  • Track online: Keep tabs on your ING Focus Plan on your computer via Home’Bank or on your smartphone or tablet via our ING Smart Banking app.


Choose how much to deposit, with a minimum of just 25 euros per month.

  • When opening online: minimum 25 and maximum 250 euros per month.
  • When opening at a branch: minimum 25 euros per month.


Choose how often you want to make deposits.

  • When opening online: monthly.
  • When opening at a branch: monthly, quarterly, biannually or annually.


Choose for how long you want your ING Focus Plan to run.

  • When opening online: by default, the term is 10 years, but you can change this or stop at any time, free of charge.
  • When opening at a branch: minimum 1 year.


Risk and return on investments are closely linked. The return on your investments can fluctuate and is not guaranteed. Depending on which funds you choose, your ING Focus Plan may earn you potentially attractive returns.


It is perfectly possible to change the amount, term, frequency and/or chosen fund of your ING Focus Plan. You are also free to stop your investment plan at any time. Simply contact your ING branch or our help desk.


You decide for yourself how much risk you are willing to take. The more risk you are prepared to take, the higher the potential return on your investments.

Securities Account

A securities account is an account which is linked to your ING current account and is where your investments are recorded. We will automatically open a securities account with which to manage your fund and link it to your current account. If you already have a securities account at ING, we will simply add the investments of your ING Focus Plan to this securities account.

Fees and charges

  • Opening, closing and changing your ING Focus Plan is free of charge.
  • Your securities account: The first year is free of charge. After that, you pay 14.52 euros per year (VAT incl.).
  • Entry fee: 3%
  • Recurring charges (including the annual management fee): The annual percentage depends on your chosen investments (between 1.5 and 2%
  • Custody fee: 0% per year.

Interested in an investment plan?

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