Regular investment plan
ING Focus Plan
From just 25 euros per month
Do you want to gradually build up a handsome sum in capital for your children, for your pension or for your other projects? Take a look at ING Focus Plan, the made-to-measure investment plan!
- Tailored risk: Invest your money in a fund that you choose based on the level of risk you feel comfortable with.
- Choice of term: You choose how much and how often you deposit and how for how long you wish to continue investing in the fund.
- From 25 euros per month: No need to budget huge amounts, because you can invest from as little as 25 euros per month via standing order.
- Optimal spread: Your investments are spread over time and different asset classes, regions and sectors. To minimise your risk as much as possible.
- No capital guarantee: We cannot guarantee that you will get the money you deposit back.
Interested in an investment plan?
1ING Focus Plan is a (non-fiscal) periodical savings scheme offered (subject to acceptance by ING Belgium SA/nv and to mutual agreement) by: ING Belgium SA/nv – Bank. Registered office: avenue Marnix 24, B-1000 Brussels – Brussels RPM/RPR – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789.
With this plan, instalments are invested in units of capitalisation funds (sub-funds) under Belgian or Luxembourg law (with an indefinite term). Our experts rigorously select the sub-funds offered under this scheme. This range is subject to revision at any time (before and after subscription subject to prior notice).
*Funds means an “undertaking for collective investment” (= UCI). UCI is a general term which refers to institutions that obtain their financial resources from the public and whose business consists in managing a portfolio of financial instruments. The term “funds” therefore includes both ICVC (variable capital) and ICFC (fixed capital) investment companies and mutual funds as well as their sub-funds.
Absence of a link with the USA
An ING Focus Plan may only be opened for natural persons having no link with the USA. The client acknowledge that at present he does not meet one of the following criteria: having the American Citizenship, a postal, legal or fiscal address within the USA, a Phone Number within the US or a permanent residence permit for the United States ("Green Card"). The Client commit himself to immediately inform ING in the future if he should meet one of the above mentioned criteria. Such a change will lead to the application of art. 107.3 of the Special Regulations for Trading in Financial Instruments, and the investments plan ING Focus Plan will be ended on 31/12 of the year in which ING was informed about this change.
Objective: Each sub-fund of the underlying fund has its own investment objective*.
Risks: The sub-funds of the underlying fund imply respective risks to be taken into consideration*. The occurrence of one of these risks can impact negatively on the net value of your portfolio. No guarantee is given that returns will be obtained and/or that the initial stake will be recovered.
Term and amount: The minimum term of Focus Plan is one year. However, the plan may be terminated at any time free of charge. The minimum investment amount is 25 euros per deposit.
Modification and termination: 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 on +32 2 464 60 04.
Charges: Issue charges: 3%. Running costs (including annual management fee): the annual fee varies depending on the sub-fund(s) chosen*. Safekeeping fees (custody fees): 0% per annum.
Taxation (under current legislation): Taxation: depends on the sub-fund(s)chosen*. General rule for sub-funds: Tax on stock exchange transactions in the event of redemption (capitalisation shares): 1.32% (with a max. of 2,000 euros). Rates currently in force, variable before and after subscription, subject to prior notice.
Such taxation applies to private individuals who reside in Belgium. Taxation depends on the individual situation of each customer and can be modified subsequently.
The net asset value of the sub-fund funds concerned by the Focus Plan is calculated in Belgium each bank working day. The net asset value is published every public banking business day in Belgium in the financial press, as well as on the BeAMA website (http://www.beama.be/en/nav). It is also available at the Management Company’s registered address and over the counter from your financial services provider.
Identity of financial broker: Each sub-fund fund offered through Focus Plan has its own financial broker*.
*To read more, please go to the relevant section in the documents providing key information for investors for the fund of the sub-fund(s) chosen.
Complaints department: If you have a complaint, please contact ING – Complaint Management – Cours Saint Michel, 60 – 1040 Brussels. If you are still dissatisfied, please contact the Ombudsman , North Gate II, Avenue Roi Albert II 8, 1000 Brussels. (www. ombudsfin.be).
Important information: This advertising message is a public offer 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, nor savings and investment insurance advice in accordance with the Royal Decree of 21 February 2014 on the terms of application to the insurance sector of Articles 27 to 28bis of the law of 2 August 2002 on the supervision of the financial sector and financial services. 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. ING Bank Belgium does not in principle provide investment services for US Persons.
ING Belgium SA/nv • Bank • Avenue Marnix 24, B-1000 Brussels • Brussels RPM/RPR • VATBE 0403.200.393 • BIC: BBRUBEBB • IBAN: BE45 3109 1560 2789 • Insurance broker registered with the FSMA under the n° 12381A.