{"type":"document","data":{"contentType":"onecms:editorialPage","flexPageMetadata":{"afmBanner":false,"description":"Alle info over de fusies van de beleggingsfondsen voor 2026","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"highlight","richBody":{"value":""},"title":"With this merger, we aim to optimise the management of your portfolio and offer an investment solution that better reflects market developments."},{"componentType":"sectionTitle","title":"Merger ING (B) Collect Portfolio and ING World ICAV"},{"accordionList":[{"richBody":{"value":"

You can find the characteristics of the sub-fund(s) you will invest in, in the KID (Key Information Document) on ing-isim.lu

"},"title":"Where can you find the characteristics of the beneficiary fund?"},{"richBody":{"value":"

A fund

A “fund” refers to a collective investment undertaking (CIU). This is a general term for institutions that collect money from investors and invest it in a portfolio of financial instruments.
The term “fund” includes both investment companies and common funds, as well as their sub-funds.

A sub-fund

A sub-fund is a part of an investment fund. Each sub-fund is a separate portfolio with its own investment policy, risk profile and characteristics, even if it belongs to the same fund.

Within a fund, different share classes may exist, for example:

Each class can be offered as:

"},"title":"What is a fund and what is a sub-fund?"},{"richBody":{"value":"

Discover thelist of involved sub-funds.

"},"title":"List of involved sub-funds"},{"richBody":{"value":"

What will change after the merger?

These changes will be visible:

"},"title":"What will change?"},{"richBody":{"value":"

Your investment retains its key characteristics despite these changes.

"},"title":"What does not change?"},{"richBody":{"value":"

1. For your buy, sell and transfer orders

To prepare for the merger, no transactions (buy, sell or transfer) can be executed during a specific period.

Freeze period

The freeze period runs:

 ○ from 2:00 p.m. for the absorbed sub-funds
 ○ from 3:00 p.m. for the beneficiary sub-funds

In practice

2. For your periodic investment plans

Do you invest periodically in an ING (B) Collect Portfolio fund? In that case, the freeze period will also affect your regular investments.

"},"title":"A freeze period will apply. What does this mean in practice?"},{"richBody":{"value":"

No.

If you sell before the merger, the usual taxes will still apply. More information is available on ing.be > Charges and regulations

"},"title":"Are there any costs or taxes associated with this merger?"},{"richBody":{"value":"

For some of the absorbed sub-funds (highlighted in blue in the list “List of affected sub-funds”), the NAV will be recalculated after the merger based on the exchange ratio on the day of the merger.
The total value of your investment remains unchanged.

The exchange ratio: explanation and concrete example

What is the exchange ratio?
In a fund merger, the exchange ratio determines how many units of the new fund you will receive in exchange for the units you held in the original fund.
This ratio is calculated to ensure that the total value of your investment remains the same before and after the merger.
In other words, the number of units may change, but not the value of your investment at the time of the merger.

How is the exchange ratio calculated?
The exchange ratio is based on the Net Asset Value (NAV) of both sub-funds:
• the NAV of your current sub-fund before the merger
• the NAV of the sub-fund after the merger

These values are compared on a predefined date to define the exchange ratio.

Before the mergerAfter the merger
• You hold 100 units of ING Personal Portfolio Balanced XR Dis EUR
• NAV per unit = EUR 10
• Total value = EUR 1,000		• This sub-fund is replaced by ING Portfolio Balanced BeR Dis EUR
• NAV per unit = EUR 25

Application of the exchange ratio
Your EUR 1,000 is converted into units of the new fund:
1,000 ÷ 25 = 40 units

After the merger, you will therefore hold 40 units, with a total value of still EUR 1,000.

As with any investment, the value may then rise or fall depending on market conditions

"},"title":"Is there an impact on the Net Asset Value (NAV)?"},{"richBody":{"value":"

Yes.
After the merger, your regular investment plans will continue automatically under the same conditions (amount and frequency).
They will be executed in the beneficiary sub-fund.
You do not need to take any action.

"},"title":"Will my regular investment plans continue?"},{"richBody":{"value":"

Do you hold a distribution fund (DIS)?
If so, any dividend announced at the end of 2026 will be paid in April 2027.
Going forward, dividends will be paid twice a year.

"},"title":"When are dividends paid for distribution funds?"},{"richBody":{"value":"

Management fees will generally remain comparable.
As with your current fund, they may evolve over time depending on market conditions.

"},"title":"What about the management fees of the beneficiary fund?"},{"richBody":{"value":"

No.
Everything will be handled automatically.

"},"title":"Do I need to take any action for this merger?"},{"richBody":{"value":"

You can find the KID (Key Information Documents) for all beneficiary sub-funds on ing-isim.lu

"},"title":"Where can you consult the KID of the beneficiary sub-funds?"},{"richBody":{"value":"

Go to ing-isim.lu > Communication > Notices to shareholders

"},"title":"Would you like more information?"},{"richBody":{"value":"

If you do not agree with this merger, you can sell your units in one of the sub-funds to be absorbed until 13/08/2026 at 2:00 p.m.

A sale (or switch) is carried out free of charge (no commission).
Please note: any applicable taxes (TOB, withholding tax) may still apply. The NAV of the day of the transaction will be applied.

In practice:

"},"title":"Do you disagree with the merger? What can you do?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"2cddb3ba-9245-4f49-89a7-e799e80231fe","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Investing money","url":"/en/individuals/investing"}},"componentType":"editorialHeader","coreHeader":{"body":"The boards of directors of the funds ING (B) Collect Portfolio (ING Personal Portfolio – absorbed fund) and ING World ICAV (beneficiary fund) have decided to merge their sub-funds.\r\nThis merger will take effect on 21 August 2026.","title":"Merger ING (B) Collect Portfolio and ING World ICAV"},"date":"2026-07-10","readingTime":0},"publishDate":"2026-07-10T10:07:14.049+02:00"}}