ING Focus Plan
Invest easily and at your own pace
Do you want to gradually build up a solid nest egg for your children, supplement your statutory pension or finance other projects? Why not opt to invest rather than save? Find out about the ING Focus Plan, a tailored investment plan to make your dreams for the future come true. Open an ING investment plan online and get 25 euros on your account!*
Made to measure
You invest in a fund (the capital is not guaranteed) that you select based on the level of risk you are willing to take.
At your own pace
You choose how much and how often you want to pay in, and the duration of your investment. You can terminate your plan whenever you want.
Starting from €25 a month
Online or in a branch
You can open your plan directly online or in a branch. And you can track its performance on your computer or your tablet or smartphone.
The ING Focus Plan is a regular investment plan. It allows you to build up potentially significant capital gradually. You invest your capital in funds* that you select based on the level of risk you are willing to take. You combine the benefits of a savings plan with the potential gains of investing.
*See legal information
- You choose the amount you want to pay in, from a minimum of €25 a month.
Open it online : for a minimum of €25 and a maximum of €250 a month
Open it in a branch : for a minimum of €25 a month per payment and per fund*
- You choose the frequency of your payments
Open it online : every month
Open it in a branch : monthly, quarterly, six-monthly or annually
- You choose the duration of your ING Focus Plan
Open it online : standard term of 10 years, but you can change it free of charge or even suspend it.
Open it in a branch : minimum 1 year.
*See legal information
You decide yourself how much risk you want to take. The more risk you are willing to take, the higher the potential yield on your investments will be.
Risk and return on investments are linked. The return on your investments can fluctuate and is not guaranteed. So it is not certain that you will get back the capital you invested. Depending on the fund(s)* you choose, the ING Focus Plan can potentially produce an excellent yield.
Your investments are diversified over time and in different sectors, regions and activities in order to mitigate the risk as far as possible.
*See legal information
An ING employee can change or close your plan. Call them or send them an email if you want to do this.
It is completely possible to change the amount, duration, frequency and choice of fund. You can also terminate your ING Focus Plan. If you want to do this, please contact your branch or our help desk.
Your Securities account
A securities account is an account linked to your ING Current Account, where your investments are held. We automatically open a securities account to manage your funds, and link it to your ING Current Account. Do you already have an ING Securities Account? In that case, we will add the investments from your ING Focus Plan to this securities account.
*See legal information
Your securities account is free
Entry fees: 3%
Running costs (including annual management fee): the annual percentage (between 1.5% and 2%) depends on the sub-fund(s) you select
Custody fees: 0% per year
Closing rates: free
ING 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).
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.
Each sub-fund of the underlying fund has its own investment objective*.
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.
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.
Net asset value of the sub-fund
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 (www.beama.be/en/vni). 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.
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).
Before subscribing, please read the following documents for the ICVC sub-fund(s) selected:
These documents are compiled in French, Dutch, English and German and are available from your ING branch by calling 02 464 60 04, as well.
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.
*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.