Would you like to give a child, grandchild or another loved one a financial head start for their studies, a first home or another important milestone in life?
With ING Life Invest NextGen, you can build capital for the future and choose both the beneficiary and the date on which the capital will be paid out.
"}},{"componentType":"paragraph","richBody":{"value":"ING Life Invest NextGen allows you to build capital for the people who matter most to you in a simple and flexible way. You can start from as little as €50 per month, make a one-off investment, or combine both options to suit your goals.
You choose who will receive the capital and when it will be paid out, with a term of 5 to 30 years
The capital you build up is paid out to the beneficiary you choose, on the date you decide. This helps ensure that your financial plans are carried out according to your wishes. If your plans change, you can adjust the end date during the lifetime of the contract, within the applicable limits.
If you pass away before the selected end date, your chosen end date remains unchanged and your capital stays invested, unless withdrawals are made. This ensures that the capital you have built up is transferred to your chosen beneficiary at the moment you intended.
Extra flexibility for your beneficiary
You may also choose in advance to transfer all or part of the rights under the contract to your beneficiary if you pass away before the end date. Within the limits you have defined, your beneficiary can then tailor the contract to their own needs, for example by making withdrawals or changing the end date.
"},"title":"Give your loved ones a head start for tomorrow"},{"componentType":"sectionTitle","title":"Why choose ING Life Invest NextGen?"},{"componentType":"productFeatures","highlighted":false,"image":{"altTextNL":"Beleggingen","extension":"svg","original":"https://assets.ing.com/m/6086e195edd125dc/original/Investments.svg","publishedAt":"2022-07-07T14:09:13Z","transformBaseUrl":"https://assets.ing.com/transform/35a3a8be-5120-4176-b7ce-8f856dc3938c/Investments","type":"image","updatedAt":"2022-07-08T09:54:58Z","width":80},"items":[{"title":"Build capital for a child, grandchild or other loved one."},{"title":"Choose the date on which the capital will be paid out, with a term of 5 to 30 years."},{"title":"Remain in control of your investment throughout the term of the contract."},{"title":"An ideal complement to your wealth and estate planning."},{"title":"Potential for higher long-term returns than a traditional savings account through investment in the financial markets."}]},{"componentType":"sectionTitle","title":"Documents"},{"componentType":"paragraph","richBody":{"value":"You can choose from three investment profiles (Moderated, Balanced or Dynamic), depending on your investment objectives and risk appetite. Together with your advisor, you can determine which profile best suits your needs.
Within each profile, a selection of three funds is available. Your investment amount determines the fund in which your capital is invested.
Key Information Document (KID):
"},"title":"To read before you start investing"},{"accordionList":[{"richBody":{"value":"NN Life Invest Moderated Privilege fund 250K-1M
NN Life Invest Moderated Exclusive fund +1M
"},"title":"ING Life Invest NextGen Moderated"},{"richBody":{"value":"NN Life Invest Balanced Privilege fund 250K-1M
NN Life Invest Balanced Exclusive fund +1M
"},"title":"ING Life Invest NextGen Balanced"},{"richBody":{"value":"NN Life Invest Dynamic Privilege fund 250K-1M
NN Life Invest Dynamic Exclusive fund +1M
"},"title":"ING Life Invest NextGen Dynamic"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"Other pre-contractual information:
ING Life Invest NextGen Moderated (pdf) Balanced (pdf) Dynamic (pdf)
Pre-contractual document on sustainability:
Pre-contractual document on sustainability (pdf)
Management regulations:
ING Life Invest NextGen Moderated (pdf) Balanced (pdf) Dynamic (pdf)
General Terms and Conditions:
General Terms and Conditions (pdf)
These documents are also available free of charge at your ING branch. Your ING advisor will be happy to guide you through them.
"}},{"componentType":"sectionTitle","title":"What fees and taxes apply to ING Life Invest NextGen?"},{"componentType":"paragraph","richBody":{"value":"Management fees are charged for the management of the insurance fund, depending on the fund selected. In addition to the management fee, other costs may apply. More information can be found in the Management Regulations of the insurance funds above.
Would you like to withdraw all or part of your capital? An early surrender fee of 4.80% applies after the legal cooling-off period. This fee then decreases by 0.10% each month over the following 48 months, after which no surrender fees apply (0%).
A partial withdrawal is possible from €250, provided that at least €1,250 remains invested in the contract. In addition, the total amount of partial withdrawals is limited to €7,500 per year.
Would you like to switch funds? You can switch funds once per calendar year free of charge. For each additional switch, a fee of 0.50 % of the transferred reserve applies.
When you switch insurance funds within your contract (fund switch), no tax is due on any capital gains realized.
In the event of a capital payout upon death, no tax is due on any capital gains realized.
Subject to the applicable tax legislation and your individual situation, a 10% tax may be due upon surrender or at maturity. An annual exemption of €10,000 per person applies to the total amount of realized capital gains. Only the amount exceeding this threshold is taxable. The exemption is applied through the personal income tax return.
No withholding tax (30%) is due.
Inheritance tax may apply, depending on your personal circumstances.
For more information about costs and taxation, please refer to the Key Information Documents (KIDs) and the Management regulations available above.
"}},{"componentType":"sectionTitle","title":"What are the main risks associated with this product?"},{"componentType":"paragraph","richBody":{"value":"ING Life Invest NextGen is a Branch 23 life insurance policy with no capital protection. The value of your investment may rise or fall. As a result, you may receive less than the amount you invested. Therefore, always consult the Key Information Document (KID) for the profile you are considering before investing.
It is important to note that branch 23 solutions, such as ING Life Invest NextGen, are not guaranteed by the Belgian State in the event of the insurer's bankruptcy.
"}},{"componentType":"paragraph","richBody":{"value":"Life insurance contracts constitute a form of special wealth managed separately within the insurer’s assets. If the insurer is declared bankrupt, this wealth is ringfenced as a priority for meeting commitments towards policyholders and/or beneficiaries. In the event of non-payment or bankruptcy on the part of NN Insurance Belgium SA/nv, there can be no certainty that the total policy reserve will be recovered.
"},"title":"Insolvency risk"},{"componentType":"paragraph","richBody":{"value":"Risk that the entire market of a class of asset declines, which may affect the price and value of the assets held in the portfolio. Financial instruments are influenced by many factors. These include, but are not limited to, the development of the financial market, the economic development of the issuers of the financial instruments, which in turn are affected by the overall world economy and the political and economic factors in each country.
"},"title":"Market risk"},{"componentType":"paragraph","richBody":{"value":"The inflation risk is borne by the policyholder. Inflation may reduce the purchasing power of the accumulated capital.
"},"title":"Inflation risk"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"You can start from as little as €50 per month, make a one-off investment, or combine both options to suit your goals.
"},"title":"How much can I invest?"},{"richBody":{"value":"You decide how long you want to invest, with a term ranging from 5 to 30 years. If your plans change, you can adjust the maturity date within the applicable limits.
"},"title":"How long does the contract run?"},{"richBody":{"value":"Yes. Life changes, and your plans can too. You can shorten or extend the maturity date within the permitted range of 5 to 30 years.
"},"title":"Can I change the maturity date?"},{"richBody":{"value":"The choice is entirely yours. You can name a child, grandchild or another loved one as beneficiary and remain free to change your choice throughout the term of the contract.
"},"title":"Who can I choose as beneficiary?"},{"richBody":{"value":"Absolutely. Throughout the life of the contract, you remain the policyholder and retain full control over your investment and beneficiary designation.
"},"title":"Do I remain in control of my capital?"},{"richBody":{"value":"That is not a problem. As long as the contract remains in force, the decision is yours. You can make a full or partial surrender throughout the term of the contract.
"},"title":"What if I decide I no longer want to transfer my capital?"},{"richBody":{"value":"This depends on the choices you have made in the contract. Your capital is not paid out but remains invested until the selected end date, provided no withdrawals are made. Under certain conditions, the beneficiary may take over the rights attached to the policy or receive the capital in accordance with the terms of the contract.
"},"title":"What happens if I pass away?"},{"richBody":{"value":"Simply make an appointment at your branch. Your advisor will be happy to help you.
"},"title":"How do I subscribe to this product?"},{"richBody":{"value":"You can keep track of your policy via ING Home’Bank or in branch.
Each year, NN Insurance Belgium SA/NV sends the policyholder an annual statement mentioning the value of the policy as at 31 December of the previous year.
"},"title":"How do I keep track of my policy?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product?
Our Complaints Department and Ombudsman are there to help you.
Do you have any comments or complaints regarding your ING Life Invest NextGen contract?
Contact NN online: complaints@nn.be
"}},{"componentType":"sectionTitle","title":"Services and contacts"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/376d26620acc843/original/Location-Location_Outline.svg","publishedAt":"2022-07-04T13:36:06Z","transformBaseUrl":"https://assets.ing.com/transform/dab6ec23-57b0-42e8-bfe1-042f611ed4c6/Location-Location_Outline","type":"image","updatedAt":"2022-07-04T13:40:29Z","width":32},"link":{"url":"/en/individuals/services/branches"},"title":"Find a branch"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/64e7de9902ea6b98/original/Question-mark_Outline_RGB.png","publishedAt":"2022-05-26T14:36:43Z","transformBaseUrl":"https://assets.ing.com/transform/037f25e3-307b-4eae-98fe-d1e10c72842f/Question-mark_Outline_RGB","type":"image","updatedAt":"2022-05-31T12:08:15Z","width":267},"intro":"All infos about NN group.","link":{"url":"/en/individuals/insurance/info-about-nn-group"},"title":"Who is NN group ?"}],"componentType":"cards"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"More services and how to contact us","url":"/en/individuals/services"}]}]},"hasMacro":false,"id":"8415b435-57b2-4a4a-bbc3-9173e9b303fb","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"ING Life Invest NextGen is sold and offered to you (subject to acceptance by the insurer and mutual agreement) by:
Insurer: NN Insurance Belgium SA/NV, mortgage lender licensed by the FSMA and insurance company licensed by the NBB under the number 2550 for the Branches 1a, 2, 21, 22, 23, 25, 26. Registered office : Avenue Fonsny 38, B-1060 Brussels - RLP Brussels - VAT BE 0890.270.057 - BIC: BBRUBEBB - IBAN: BE28 3100 7627 4220.
Insurance intermediary: ING Belgium SA/NV - Bank - Avenue Marnix/Marnixlaan 24, B-1000 Brussels - RPM/RPR Brussels - VAT: BE 0403.200.393 - BIC (SWIFT): BBRUBEBB - Account: 310-9156027-89 - IBAN: BE45 3109 1560 2789 –
"},"title":"Legal notice"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Investing","url":"/en/individuals/investing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/85e441ee-f224-43f3-b662-71a7fbb8dcff/1074196968.jpg","publishedAt":"2018-11-10T16:30:40Z","transformBaseUrl":"https://assets.ing.com/transform/85e441ee-f224-43f3-b662-71a7fbb8dcff/1074196968","type":"image","updatedAt":"2023-12-21T15:30:16Z","width":5121},"subtitle":"ING Life Invest NextGen is a Branch 23 life insurance policy developed by our partner NN Insurance Belgium SA under Belgian law. It combines the growth potential of the financial markets with the flexibility of a life insurance policy.","title":"ING Life Invest NextGen"},"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"/en/individuals/services/branches"}},"usps":[{"body":"Invest for the future of a child, grandchild or another loved one","icon":{"altTextEN":"Securely access and manage your business savings account. View your balance, transactions, and savings details quickly and easily.","altTextFR":"Consultez et gérez votre compte d’épargne professionnel en toute sécurité. Accédez à votre solde, vos mouvements et vos informations d’épargne en quelques clics.","altTextNL":"Raadpleeg en beheer uw zakelijke spaarrekening veilig en eenvoudig. Bekijk uw saldo, verrichtingen en spaargegevens in enkele klikken.","extension":"png","original":"https://assets.ing.com/asset/25daca67-e75b-4fcf-8cc8-d497e206db56/Mon-compte-d-epargne-Business-Exclusive.png","publishedAt":"2026-07-17T12:21:37Z","transformBaseUrl":"https://assets.ing.com/transform/25daca67-e75b-4fcf-8cc8-d497e206db56/Mon-compte-d-epargne-Business-Exclusive","type":"image","updatedAt":"2026-07-17T12:22:27Z","width":267}},{"body":"Flexible solution with an end date","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/asset/f18baf32-72c0-4241-9d5d-35e74c36738b/Calendar_outline_orange_RGB.png","publishedAt":"2022-05-26T14:07:01Z","transformBaseUrl":"https://assets.ing.com/transform/f18baf32-72c0-4241-9d5d-35e74c36738b/Calendar_outline_orange_RGB","type":"image","updatedAt":"2023-12-21T16:17:10Z","width":267}},{"body":"Ideal for estate planning","icon":{"altTextEN":"Decorative icon","altTextNL":"Decoratief icoon","extension":"png","original":"https://assets.ing.com/asset/24ce7234-9029-4f18-8227-c6031f4bef20/Transfer-Out-Euro-Outline.png","publishedAt":"2026-05-15T12:13:03Z","transformBaseUrl":"https://assets.ing.com/transform/24ce7234-9029-4f18-8227-c6031f4bef20/Transfer-Out-Euro-Outline","type":"image","updatedAt":"2026-05-15T12:13:27Z","width":128}}]},"publishDate":"2026-10-13T14:03:47.514+02:00"}}