{"type":"document","data":{"id":"b02732ce-bbff-401d-8c04-735213b8eb64","localeString":"en-GB","publishDate":"2024-11-08T10:38:08.358+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Our experts will guide you towards the right solution for your needs from a wide range of personalized investment solutions that are both simple and clear."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"You already have an ING Self Invest investment account and are looking for additional information? Below are a series of questions and answers to get you started.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/da433482-8fbd-40d6-b432-faaeb6e858c1/portrait-of-senior-man-using-mobile-phone-while-sitting-at-table","type":"image","width":5700,"original":"https://assets.ing.com/m/2ab3a7c7706acdfd/original/portrait-of-senior-man-using-mobile-phone-while-sitting-at-table.jpg","extension":"jpg"},"title":"Questions about ING Self Invest? Here are our answers."},"backLink":{"textLink":{"url":"/en/individuals/investing","text":"Investing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Consultation and general information"},{"componentType":"accordion","accordionList":[{"title":"What can you invest in with ING Self Invest?","richBody":{"value":"

You can invest in a wide range of stocks, funds*, bonds, ETFs and other financial instruments with ING Self Invest. The "explore" button gives you a view of the offerings. You can also always search for a specific investment by name or ISIN code using the search bar. The search bar also allows you to filter by type, sector, region or currency.

"}},{"title":"Where can you find the current value of your ING Self Invest portfolio?","richBody":{"value":"

You can see the value of your ING Self Invest investment account in the overview of the ING Banking app or Home'Bank.**

"}},{"title":"How can you track the performance of your ING Self Invest investment account?","richBody":{"value":"

You can monitor the evolution of your returns via the ING Banking app or via Home'Bank. Select your ING Self Invest investment account in the overview. Then you can see the returns in the dashboard. You can also view the return per individual instrument by clicking on it.

Need more help? Watch our video here: https://www.ing.be/en/individuals/services/my-investments-videotutorial

"}},{"title":"Where can you find the account statements for your ING Self Invest investment account?","richBody":{"value":"

You can find your statements in the Documents menu in Home'Bank under "Account statements and Overviews”.

"}},{"title":"What is a cash component of an ING Self Invest investment account?","richBody":{"value":"

Your investment account has two parts: a portfolio part and a cash/money part. The cash component, also called cashline, is the liquid part of your investment account. It allows you to purchase investments and transfer funds to and from your linked ING current account or ING Invest Account.

"}},{"title":"What is a portfolio component?","richBody":{"value":"

Your investment account has two parts: a portfolio part and a money part. The portfolio part consists of the investments you hold in your portfolio.

"}},{"title":"Where can you view the prices of the available instruments?","richBody":{"value":"

In Home'Bank:

From your investment account, click "Discover" in the menu on the left. Here you will find the overview of available instruments by category. Through the left menu "Stock market News," you can also find some indexes such as the Bel20. You can click on this and see the composition of the index and the valuation of the various underlying instruments. You can also consult the prices through the detailed page of the instrument you are searching.

In the ING Banking app

From your investment account, click on the button "Explore”. Here you can browse by sector, use the search bar or find indexes such as the Bel20. You can click on this and see the composition of the index and the valuation of the various instruments. Moreover, you will also find an overview of trackers related to the index.  You can also consult the prices through the detailed page of the instrument you are searching.

"}},{"title":"Are the prices shown in real time?","richBody":{"value":"

The time of the price is listed below the price when clicking on the financial instrument. For stocks listed on Euronext Brussels, Paris and Amsterdam, prices are generally real-time during the opening hours of the market. This also applies to stocks listed on U.S. markets. The prices are updated when you refresh the page.

"}},{"title":"What fees are charged for transactions with ING Self Invest?","richBody":{"value":"

View our rates of the most common investment services and operations here.

"}},{"title":"What are the current charges and regulations?","richBody":{"value":"

Go to ing.be/charges for current charges and regulations. You can find these in the document “Charges applied to the main investment services and transactions”. You will also find the "General Conditions Investments” and other related documents on this page.

"}},{"title":"Is tax due?","richBody":{"value":"

In accordance with Belgian tax law, Belgian taxes (tax on stock exchange transactions (TOB), withholding tax, etc.) are automatically settled by the bank when all application conditions are met. Do you trade in foreign securities? Foreign taxes may be payable in accordance with foreign tax laws (e.g. Stamp Duty or Financial Transaction Tax). These are processed in the total amount written off.  More info on the rates for the most common investment services and transactions can be found here.

"}}]},{"componentType":"sectionTitle","title":"Managing your ING Self Invest investment account"},{"componentType":"accordion","accordionList":[{"title":"How can you open an ING Self Invest investment account?","richBody":{"value":"

You can open an ING Self Invest investment account through Home'Bank or your ING Banking app. From your account overview, select "Products" and then "Investments. Here you choose the form of investment that suits you.

"}},{"title":"How can you close an ING Self Invest investment account?","richBody":{"value":"

First, sell your investments and transfer your cash from the cashline to your linked ING current account or ING Invest account. Once the investment account is fully empty, you can use Home'Bank to close the account. This can be done by selecting "Transactions and Management" at the top right and then selecting "Close account”.

"}},{"title":"How can you manage your investments?","richBody":{"value":"

You easily manage your ING Self Invest investment account via Home'Bank or your ING Banking app. If you have any questions, you can always get in touch with our customer service.

 

  1. You go back to you overview screen in Home’Bank or in the ING Banking app and select the account of your choice here.
  2. In Home'Bank, you can also select another account using the "Select Account" button at the top right.
"}},{"title":"How do you transfer money to/from your ING Self Invest investment account?","richBody":{"value":"

To start investing, you must first provide enough money in your investment account. You can do this by transferring money from your chosen reference account (ING current account or ING Invest Account) to the cashline of your investment account. From here you can then execute a purchase order.

The other way around, when you sell, the money is deposited into the cashline of your investment account. You can then transfer this to your reference account if desired.

Specifically, you do this as follows:

In Home'Bank:

 

In the ING Banking app

"}},{"title":"Can you transfer money to the money part of your ING Self Invest investment account from another bank?","richBody":{"value":"

The cashline of each investment account is reported to the National Bank (NBB). The number follows the IBAN format but is not a true IBAN and cannot be used to make transfers. You can, however, transfer the money from another bank to your reference account (ING Current Account or ING Invest Account) and then transfer it to the cashline of your ING Self Invest account linked to this reference account.

"}},{"title":"I do not have sufficient money available to carry out a transaction. What can I do?","richBody":{"value":"

You can transfer money from your reference account (ING Current Account or ING Invest Account) to the cashline of your investment account from the overview in Home'Bank or the ING Banking app via the "Transfer" button at the top. To do this, you select the reference account as the account you want to transfer money from and the investment account as the beneficiary to transfer money to. Finally, you enter the amount and sign the transaction.

"}},{"title":"Can you transfer funds immediately after a sale?","richBody":{"value":"

Once the sales transaction is completed and the money is transffered to the cashline, you can indeed transfer the amounts from the cashline to your linked ING current account or ING Invest Account.

"}},{"title":"Can you modify the reference account linked to your ING Self Invest investment account and how?","richBody":{"value":"

You cannot change the linked reference account (ING current account or ING Invest Account) yourself through Home'Bank but you can do so by contacting our customer service. You can reach customer service at +32 2 464 60 04, Monday to Friday from 8 am to 6 pm.

"}},{"title":"How does the payment of dividends work?","richBody":{"value":"

Some investments can pay dividends. To claim the dividend, the client must have the investment in portfolio before the decision to pay the dividend was made. The day before the decision to pay the dividend is taken, an overview is made of the investors that have the instrument in possession. Then this dividend will be shown on the overview of your Investment Account. You can see it under the line "Dividends and coupons”. This line automatically disappears once the dividend is paid out.  The distribution can be made in two ways: through new shares on your ING Self Invest Investment Account or through a distribution on the cash line of your ING Self Invest Investment Account.

"}},{"title":"Can you change the way your dividends are paid out?","richBody":{"value":"

You can adjust this via Home'Bank.

"}},{"title":"Where can you register corporate actions?","richBody":{"value":"

You can register these through Home'Bank.

"}},{"title":"Can you change the name of your investment account?","richBody":{"value":"

You can do this through Home'Bank!

"}}]},{"componentType":"sectionTitle","title":"Use of foreign currency"},{"componentType":"accordion","accordionList":[{"title":"Can you transfer foreign currency?","richBody":{"value":"

The ING Self Invest investment account allows you to hold, buy or sell foreign currency investments. However, you cannot transfer foreign currency between the cashline of your investment account and your reference account (ING current account or ING Invest account). It is not possible neither to transfer foreign currency from the reference account to the cashline. So it is only possible to transfer Euros to and from the cashline of your investment account. This can be done through the "Transfer Money" button.

"}},{"title":"How can you add a cashline in foreign currency?","richBody":{"value":"

Your purchases and sales of stocks, funds, bonds and ETFs (trackers) in foreign currencies can be settled in Euro. If you do wish to hold foreign currency, please get in touch by phone .

"}},{"title":"How can you purchase foreign currency?","richBody":{"value":"

Go to "Transfer money. Here you can transfer money from your Euro cashline to, say, your US dollar cashline. Don't have a cashline in US dollars yet and want to open it? Please get in touch by phone.

"}},{"title":"Where can you see the balance of the cashline in currencies other than Euro?","richBody":{"value":"

In the ING Banking app, this balance is shown in your dashboard. In Home'Bank you can view this balance at the bottom of the overview screen by clicking on "Cash Transactions" under "Overviews.

"}}]},{"componentType":"sectionTitle","title":"Orders"},{"componentType":"accordion","accordionList":[{"title":"How do you place a purchase order?","richBody":{"value":"

Via Home'Bank:

 

Via the ING Banking app

 

"}},{"title":"How do you place a sell order?","richBody":{"value":"

Via Home'Bank

 

 

Via the ING Banking app

 

"}},{"title":"Where can you find the overview of the orders?","richBody":{"value":"

Via Home'Bank:

In the ING Banking app

 

"}},{"title":"What types of purchase orders are possible?","richBody":{"value":""}},{"title":"What types of sales orders are possible?","richBody":{"value":""}},{"title":"Can you change or cancel an order?","richBody":{"value":"

This depends case by case. To do this, select your investment account and click on "Your orders" and then "Current orders”. Periodic orders can also be changed or canceled here.

"}},{"title":"How long does it take to execute an order in funds?","richBody":{"value":"

This varies from mutual fund to mutual fund. Usually the run time is between 1 and 3 business days. You can find the status of your order through your dashboard. 

"}},{"title":"Can you place periodic orders?","richBody":{"value":"

For mutual funds, you can choose between one-time and periodic orders (a sale can only be one-time)

For periodic orders:

•              You can choose between "weekly," "monthly" or "quarterly”.

•              You can set the first execution date.

•              You can choose an end date or let it continue indefinitely.

•              You can choose for purchase orders whether to use the linked ING reference account or the investment account (in that case, make sure there is enough cash with each periodic order).

"}},{"title":"Can you adjust periodic orders?","richBody":{"value":"

You can modify your periodic orders by canceling the current order and creating a new plan. Your current plan can be found under the Mutual Fund Orders Overview. You create a new plan by selecting a mutual fund and then clicking "Buy." Then you select the desired period. Another option is to search for the mutual fund of choice using the search bar.

"}}]},{"componentType":"sectionTitle","title":"ING Investing and ING Banking app"},{"componentType":"accordion","accordionList":[{"title":"Can you still use the ING Investing App?","richBody":{"value":"

All functionalities of the ING Investing App will be integrated into the ING Banking app. This makes it easy to keep track of your various investment accounts from your ING Banking app. Once all features are available in the ING Banking app, the ING Investing App will no longer be available for use. You can then manage your ING Self Invest investment account through the ING Banking app or Home'Bank.

"}},{"title":"Why won't you use the ING Investing App in the future?","richBody":{"value":"

We integrate everything into one platform, so you don't have to leave your ING Banking app for transactions with your ING Self Invest account. This also provides more overview, as all ING products now remain available in one app.

"}},{"title":"How secure is the ING Banking app?","richBody":{"value":"

The ING Banking app is secured with the same hyper-secure technology as our online services. You create your profile using your ING debit card and card reader or itsme. Moreover, your bank details are never stored on your device. You secure the app with a 5-digit PIN, fingerprint or facial recognition. We regularly update the ING Banking app to meet the latest security standards, so make sure you're always using the latest version.

"}},{"title":"Is the ING Banking app free?","richBody":{"value":"

Yes, there are no additional fees for using the app. You only pay service and product fees for the transactions you do through the app.  More information on fees, terms and regulations can be found here. 

Keep in mind that your mobile provider may charge you for internet usage via your smartphone. Check these rates with your mobile provider.

"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Invest yourself","intro":"Invest online independently and securely","image":{"transformBaseUrl":"https://assets.ing.com/transform/da433482-8fbd-40d6-b432-faaeb6e858c1/portrait-of-senior-man-using-mobile-phone-while-sitting-at-table","type":"image","width":5700,"original":"https://assets.ing.com/m/2ab3a7c7706acdfd/original/portrait-of-senior-man-using-mobile-phone-while-sitting-at-table.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/ing-self-invest"},"checkMarkList":["Large offer","Competitive rates","Via PC or smartphone"]},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Your investments from home","intro":"Get investment advice without leaving your sofa!","image":{"transformBaseUrl":"https://assets.ing.com/transform/08b7216f-0c8b-463c-aaa8-6160a27dd866/Investment-remote-advice-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7b5a0d49975978e7/original/Investment-remote-advice-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/investment-remote-advice"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Videos about investments","intro":"Consulting your returns or managing your investment product? Watch our videos and get even more out of your investments with the ING Banking app.","image":{"transformBaseUrl":"https://assets.ing.com/transform/5065e890-1754-4cab-ad52-c776cb475bb6/Financial-market_197x176","type":"image","width":197,"altTextEN":"Private-Banking-Illu-Financial market","original":"https://assets.ing.com/m/79abfac409c2d9fb/original/Financial-market_197x176.png","extension":"png"},"link":{"url":"/en/individuals/services/my-investments-videotutorial"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"

*By "fund" we mean "collective investment undertaking" (= UCI). UCI is a general name for institutions that raise financial resources from the public and manage a portfolio of financial instruments. Thus, the term "fund" refers to both investment companies (beveks or sicavs) and mutual funds, and their sub-funds.

** Home'Bank, Business'Bank, and the ING Banking app are available to all Home'Bank, Business'Bank or ING Banking subscription holders (subject to acceptance by ING and mutual agreement).
The costs for telephony, and if applicable, for the use of data, pursuant to the access to and  the use of the call function in the ING Banking app are borne by the user.All relevant information, such as among others. the General Terms and Conditions Home'Bank, Business'Bank, (appendix to ING's General Regulations of Operations), the ING Banking Terms and Conditions, the transaction fees, is available at www.ing.be, at your ING branch and by telephone at   +32 2 464 60 01   

"}}]}}}