{"type":"document","data":{"id":"92b3ea34-474b-4b44-8bd1-a42f05c29857","localeString":"en-GB","publishDate":"2025-10-17T12:27:18.365+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Want to buy shares or bonds? Invest in ETF's or government savings certificate? Discover all the investment instruments ING offers."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Have you decided which of ING’s 3 investment solutions to start with? Then you probably want to know more about the types of investment instruments you can invest in with ING. Below is an overview.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/73ac2d5b-9bfb-40cb-bd3a-895d11b2b793/beleggingsinstrumenten_header","type":"image","width":1612,"original":"https://assets.ing.com/m/5184978c7955b14/original/beleggingsinstrumenten_header.jpg","extension":"jpg"},"title":"What investment instruments can you invest in?","subtitle":"An overview of the investment instruments you can invest in with ING"},"backLink":{"textLink":{"url":"/en/individuals/investing","text":"Investing money"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Shares"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><strong>What are shares?</strong></span></span></span></p><p><span><span><span>A share is a unit of a company’s equity. So, as a shareholder, you are an owner of that company in proportion to the number of shares you hold. A share has no maturity date, fixed return, or nominal or fixed value. You can only exit by selling it. How much you will get for it depends on the price. The price of your share will largely be determined by the company’s performance and involves factors such as supply and demand, dividends, capital gains and risks. </span></span></span></p><p><span><span><span><strong>How can you buy shares through ING?</strong></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Buying shares","intro":"Manage your stock transactions with ING","image":{"transformBaseUrl":"https://assets.ing.com/transform/98369804-a4a2-4513-a080-06e105f90169/shares-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/18153f0b1788dc71/original/shares-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/shares"}}]},{"componentType":"sectionTitle","title":"Bonds"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><strong>What are bonds?</strong></span></span></span></p><p><span><span><span>A bond is a recognition of an issuer’s debt. It represents a fraction of a loan issued by a Belgian or foreign government institution or company or an international (credit) institution for which you will receive interest (= coupons) as a bondholder. </span></span></span></p><p><span><span><span><strong>How can you invest in bonds with ING?</strong></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Bonds","intro":"Invest in bonds with ING","image":{"transformBaseUrl":"https://assets.ing.com/transform/4c794d7d-9e46-4886-bca5-b49e0d8fa882/midsection-of-man-working-on-table","type":"image","width":2564,"original":"https://assets.ing.com/m/462249f38d05bedf/original/midsection-of-man-working-on-table.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/bonds"}}]},{"componentType":"sectionTitle","title":"Trackers (or Exchange-traded funds)"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><strong>What are trackers (or ETFs)?</strong></span></span></span></p><p><span><span><span>A tracker (or ETF) is an exchange-traded investment fund that is managed passively and follows the performance of an index or basket of shares as closely as possible.</span></span></span></p><p><span><span><span><strong>How can you invest in trackers (ETFs) through ING?</strong></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Trackers (ETFs)","intro":"Invest in a fund whose performance is calculated on the basis of a stock market index","image":{"transformBaseUrl":"https://assets.ing.com/transform/2f57c950-eb26-4460-9954-868a43307e7e/trackers-etf-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/4a8f87b53cd3b068/original/trackers-etf-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/trackers-etf-investment"}}]},{"componentType":"sectionTitle","title":"Investment funds"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><strong>What are investment funds?</strong></span></span></span></p><p><span><span><span><span><span><span><span>An investment fund is an “undertaking for collective investment” (= UCI). A 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 “fund” therefore includes both ICVC (variable capital) and ICFC (fixed capital) investment companies and mutual funds as well as their sub-funds.</span></span></span></span></span></span></span></p><p><span><span><span><strong>How can you invest in investment funds through ING?</strong></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Investment funds","intro":"Find out about investment funds","image":{"transformBaseUrl":"https://assets.ing.com/transform/77a732bf-fd16-499e-ac8e-993a550cbcd5/investment-funds-introduction-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/fc4a1ff29fd3f3f/original/investment-funds-introduction-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/investment-funds"}}]},{"componentType":"sectionTitle","title":"Government Savings Certificate"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><strong>What is a government savings certificate?</strong></span></span></span></p><p><span><span><span>A government certificate is a bond issued by a government (e.g. Belgian Government) with an annual fixed coupon in EUR. At maturity, you will get back 100% of the invested capital (provided that the Belgian Government has not gone bankrupt or defaulted).</span></span></span></p><p><span><span><span><strong>How can you invest in government savings certificates through ING?</strong></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Government Savings Certificate","intro":"Enjoy a guaranteed and a fixed return!","image":{"transformBaseUrl":"https://assets.ing.com/transform/023e4c6f-966b-408e-a5c3-cd8f1085c0d7/Mature-couple-enjoying-while-riding-bicycle","type":"image","width":1920,"original":"https://assets.ing.com/m/46336df3cefa6ddf/original/Mature-couple-enjoying-while-riding-bicycle.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/government-savings-certificate"}}]},{"componentType":"sectionTitle","title":"Structured notes"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><strong>What are structured notes?</strong></span></span></span></p><p><span><span><span>Structured notes are structured debt instruments or derivatives, typically issued by financial institutions. You use them to</span></span></span></p><ul><li><span><span><span><strong>lend money to the issuer.</strong> The latter undertakes to pay out any coupons regularly and to repay at least the invested capital (no capital loss) at maturity (excluding expenses).</span></span></span></li></ul><p><span><span><span>or</span></span></span></p><ul><li><span><span><span><strong>transfer money to the issuer.</strong> The latter undertakes to repay a certain amount at maturity. However, that amount may be less than the invested capital (excluding expenses) as this depends on the type of underlying securities and the movements in their price.</span></span></span></li></ul><p><span><span><span><strong>How can you invest in structured notes through ING?</strong></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Structured notes and derivative instruments","intro":"Find out what ING currently offers","image":{"transformBaseUrl":"https://assets.ing.com/transform/e7026fec-8f61-413b-abb3-ad7e7fbcc59a/structured-notes-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/63d70c745edeed42/original/structured-notes-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/structured-notes"}}]},{"componentType":"sectionTitle","title":"Investment insurance (Branch 23)"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><strong>What is branch 23 investment insurance?</strong></span></span></span></p><p><span><span><span>This is a life insurance policy whose return depends on the performance of the underlying funds in which it invests. The return is therefore not guaranteed.</span></span></span></p><p><span><span><span><strong>How can you invest in branch 23 investment insurance through ING?</strong></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Investment Insurances (Branch23)","intro":"Build a better future for you or your loved ones.","image":{"transformBaseUrl":"https://assets.ing.com/transform/91af9cd1-72dc-43f9-8e22-247242c11d42/investment-insurances-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6d2785ba547012bc/original/investment-insurances-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/investment-insurances"}}]}]}}}