An investment fund is an “undertaking for collective investment” (UCI). The term “Undertaking for Collective Investment” (hereafter referred to as ‘UCI’) is a general term used for an entity, with or without legal personality, that collects capital from the public and invests it collectively in a basket of securities on the principle of risk spread. UCIs are a form of collective portfolio management. The most popular UCIs are SICAVs. However, the term UCI covers a whole range of products of a specific legal nature:
IMPORTANT
Before you subscribe to an investment fund, we invite you to familiarize yourself with:
Each investment fund has its own documents. The documents relevant to your investment fund, drafted in French and Dutch, are available free of charge by logging in to ebanking.ing.be > Investments, from your ING branch and by phone on +32 2 464 60 02.
"}},{"componentType":"sectionTitle","title":"Our selection methodology"},{"componentType":"paragraph","richBody":{"value":"Our objective: to select solutions for all fund categories.
Therefore, ING’s specialists constantly analyze the performance and risk of every fund. This exercise also takes into account the ratings set by Morningstar*, which are based on an objective assessment of past performance (adjusted for risk).
Our analysts are also the people who define ING’s investment strategy. This strategy is adjusted every month in line with the economic situation. This means you can closely monitor this strategy at any time.
Moreover, as a distributor, ING also proposes sustainable investment funds selected with the utmost care. This unique selection process takes into account not only the Environmental, Social and Governance (ESG) criteria, but also the risk and performance of these funds. The investment strategy chosen by ING guarantees that the capital you invest will be used directly to stimulate those companies that contribute actively to the environmental, social and governmental transition of our society. For more information, see our page on responsible and sustainable investment and our policy:
Finally, as well as offering you our own ING investment solutions, we work in partnership with reputable asset managers and choose our funds from among the offering from these partners, which have been chosen for their size, stability and diversity of their range of investment funds.
"}},{"componentType":"sectionTitle","title":"Investing involves risk"},{"componentType":"paragraph","richBody":{"value":"You decide for yourself the risk you are willing to take. Risk and return on investments are linked: the greater the risk you are prepared to take, the higher the potential return on your investments.
Your investments are diversified in terms of time and asset class, and in different sectors, regions and activities, to limit the risk as much as possible. But based on the funds you choose, the return on your investments may fluctuate and is not guaranteed. Depending on the quantity of equity or bond funds in your portfolio, you expose yourself to greater or lesser risk.
Therefore, it is not certain that you will recover the capital you have invested.
Regardless of the fund or funds you choose, investing involves risk. The main risks to consider are listed below:
Every fund carries other, inherent, risks. The occurrence of one of these risks can have a negative impact on the net value of your portfolio. Please consult the key investor information document (KIID) to learn more about the specific risks involved.
"}},{"componentType":"sectionTitle","title":"Fees and taxes"},{"componentType":"paragraph","richBody":{"value":"Fees (non-recurring):
Ongoing charges:
Stock market tax (TOB):
Withholding tax (WT):
The above information relating to TOB and WT is based on current Belgian tax legislation, which is subject to change by the legislature at any time.
"},"title":"Tax regime"},{"componentType":"sectionTitle","title":"Interested in Investment Funds?"},{"componentType":"paragraph","richBody":{"value":"If you have a complaint, you may contact us by phone on +32 (0)2 464 60 02, or via the complaint module available here.
If you are not satisfied, please contact ING Complaint Management Cours Saint-Michel/Sint-Michielswarande 60, 1040 Brussels or contact the Financial Disputes Ombudsman, North Gate II. Boulevard du Roi Albert II/Koning Albert II-laan 8, PO Box 2. 1000 Brussels (www.ombudsfin.be).
Important information:
This publicity communication is a public offer which does not comprise any 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, or any opinion on savings or investment insurance, in accordance with the Royal Decree of 21 February 2014 on the terms of application to the insurance sector of Articles 27 to 28a of the Law of 2 August 2002 on supervision of the finance sector and financial services. The customer must analyse the information contained in this document in respect of their personal situation, taking into account their financial situation and investment objectives. The customer remains solely and fully liable for the use he or she chooses to make of such information and for the consequences of his or her decisions. ING Bank Belgium does not, in principle, grant any investment services to U.S. Persons.
ING Belgium SA/NV • Bank • Avenue Marnix/Marnixlaan 24, B-1000 Brussels • Brussels RPM/RPR • VAT BE 0403.200.393 • BIC: BBRUBEBB • IBAN: BE45 3109 1560 2789 Insurance broker registered with the FSMA under no. 0403.200.393.
"}},{"componentType":"sectionTitle","title":"Apply for an investment fund"},{"componentType":"applicationProcess"},{"componentType":"cta","textLink":{"text":"Get in touch","url":"/en/individuals/services/contact-us"}},{"componentType":"paragraph","richBody":{"value":""}}]},"hasMacro":false,"id":"c27d6063-3724-4e36-949a-7a4687ad4980","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Investing","url":"/en/individuals/investing"}},"componentType":"productHeader","coreHeader":{"body":"Have you thought about investing rather than saving? Opt for a potential return by investing through investment funds (UCIs or undertakings for collective investment) based on the level of risk you are willing to take.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/fc4a1ff29fd3f3f/original/investment-funds-introduction-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/77a732bf-fd16-499e-ac8e-993a550cbcd5/investment-funds-introduction-1920","type":"image","width":1920},"subtitle":"Find out about investment funds !","title":"Investment funds"},"cta":{"componentType":"cta","textLink":{"text":"Get in touch","url":"/en/individuals/services/contact-us"}}},"publishDate":"2025-12-11T15:50:48.462+01:00"}}