Savings and investment guide

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What can you do with your savings?

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.

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.

Build a short-term money reserve

Lay the foundation for any savings reserve

Saving smartly starts by having a savings reserve you can use in the short term to be able to pay for all your planned and unexpected expenses.
It is best to put aside an amount of at least 6 months net salary.

Answer the questions and discover the various ways in which you can build up a savings reserve.

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.
Yes I already do No Thanks
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.
Yes I already do No Thanks
I want to save for my children's future.
Yes I already do No Thanks
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.
Yes I already do No Thanks

Enjoy tax advantages

Supplement your pension

Your income might not be sufficient when you retire. That is why you should take care of your future today and kill 2 birds with one stone.

Top up your statutory pension with a lump sum that you build up at your own pace and benefit from 30%* tax relief on that sum.

Saving for a pension is therefore highly interesting for you as a taxpayer in Belgium.

Choose the savings plan that suits you best.

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.
Yes I already do No Thanks
I want my capital to be protected and I want to benefit from a fixed return.
Yes I already do No Thanks
I do not have a home loan and I want to pay less tax through supplementary pension savings.
Yes I already do No Thanks
I am self-employed and I want to benefit from additional tax advantages through a specific supplementary pension savings plan.
Yes I already do No Thanks

Invest for the long term

Spread the risk in your portfolio

Have you put aside money, are you saving for your pension and do you have extra capital? You can invest that capital for the long term to benefit form a better return.

You can invest in a manner that best suits you, with the focus on capital protection or on return. Bear in mind, however, that experienced investors spread the risk in their portfolio.

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.
Yes I already do No Thanks
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.
Yes I already do No Thanks
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.
Yes I already do No Thanks
I want to benefit regularly from a complementary income while my capital stays available.
Yes I already do No Thanks

My Solutions

Below are the savings and investment solutions that are suitable for you according to the savings and investment guide.

The products are selected on the basis of the answers you provided.

Short term (0)

Savings account < 1 year

ING Lion Deposit

ING Lion Deposit

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

ING Lion Premium

ING Lion Premium

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

ING Go To 18 Savings Account

ING Go To 18 Savings 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

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
Not selected a product yet? Edit my settings

Tax advantages (0)

Potential return

Star Fund

Star Fund

Discover the advantages of our pension savings fund.

Guaranteed capital

ING Life Star Plan

ING Life Star Plan

Pension savings insurance

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

ING Life Pension Plan

ING Life Pension Plan

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

ING PSPS

ING PSPS

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
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Long term (0)

Capital protection

Structured Notes**

Structured Notes**

Structured bonds

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

ING Focus Plan

ING Focus Plan

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

ING Core Fund

ING Core Fund

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

ING Lifelong Income

ING Lifelong Income

Life insurance with life annuity

  • Tailor-made: choose how often you pay in
  • Transfer of death benefit
  • Tax advantage: untaxed initial annuity
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Curious about our other products?

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

Short Term Savings, Fiscal Savings, Long Term Savings

Savings and investment guide

My solutions

Please find below the solutions that may be suitable for you according to the savings and investment indicator.

The products are selected on the basis of the answers you provided.