{"type":"document","data":{"id":"a9fdeb19-7eb1-4f6d-89aa-3903ee37efc2","localeString":"en-GB","publishDate":"2025-11-14T10:22:25.130+01:00","contentType":"onecms:subCategoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"To make your savings grow, you have decided to invest. But it's not always easy to find the right strategy to adopt. Discover our experts' advice and recommendations to boost your money."},"mainHeaderZone":{"componentType":"categoryHeader","backLink":{"textLink":{"url":"/en/individuals/managing-my-assets","text":"Managing my assets"}},"coreHeader":{"title":"Investment Academy","subtitle":"You don't need to be an expert to invest. Of course, it helps to have some basic knowledge. Find out all you need to know here, whether you're a beginner or an expert."}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Investing: Tips and tricks"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span>Want to find out more about investing? You&apos;ll find the answers to any questions you may have below.</span></span></span></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Saving or investing?","body":"How to choose?","image":{"transformBaseUrl":"https://assets.ing.com/transform/e50295fc-9f70-433e-8e27-24019329946b/investments-basics-video-investing-or-saving-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/5a50dd8ebbb34ff3/original/investments-basics-video-investing-or-saving-1920.jpg","extension":"jpg"},"date":"2023-01-26","link":{"url":"/en/individuals/managing-my-assets/investment-academy/saving-and-investing-basic-concepts"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"5 mistakes to avoid when you start investing","body":"video","image":{"transformBaseUrl":"https://assets.ing.com/transform/3f6e3855-fe58-4ff7-9e1b-d0a983045545/investments-basics-video-five-mistakes-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/1c9460738bdc9a4a/original/investments-basics-video-five-mistakes-1920.jpg","extension":"jpg"},"date":"2021-10-14","link":{"url":"/en/individuals/managing-my-assets/investment-academy/five-mistakes-when-start-investing"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"2 concepts to invest wisely","body":"Video","image":{"transformBaseUrl":"https://assets.ing.com/transform/43cb2969-bfc5-4235-87fd-b5e72b062e4b/investments-basics-video-risk-and-diversification-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/65968350b669ba6e/original/investments-basics-video-risk-and-diversification-1920.jpg","extension":"jpg"},"date":"2023-04-18","link":{"url":"/en/individuals/managing-my-assets/investment-academy/basic-concepts-for-smart-investing"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What risks do you take when investing?","body":"Spreading risk is key","image":{"transformBaseUrl":"https://assets.ing.com/transform/58074527-bbbd-46e6-b319-52028dd37d9b/investment-risk-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2bed588478ef76d/original/investment-risk-1920.jpg","extension":"jpg"},"date":"2022-09-27","link":{"url":"/en/individuals/managing-my-assets/investment-academy/investment-risk"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Long or short-term investments? How to choose","body":"Compare the benefits of short-term investments versus long-term investments in this financial guide.","image":{"transformBaseUrl":"https://assets.ing.com/transform/8761feef-e084-4891-baaf-37579fa304ef/Rear-view-of-men-on-field-against-clear-sky","type":"image","width":4096,"original":"https://assets.ing.com/m/348b928f958f3ff7/original/Rear-view-of-men-on-field-against-clear-sky.jpg","extension":"jpg"},"date":"2023-09-25","link":{"url":"/en/individuals/investing/short-term-investments-or-long"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Finding investment decisions complex?","body":"Have a strategy to invest","image":{"transformBaseUrl":"https://assets.ing.com/transform/ac35847c-72d6-47a9-86e2-8de1aba65fa7/the-ing-investment-strategy-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6c905a2b6198b8ec/original/the-ing-investment-strategy-1920.jpg","extension":"jpg"},"date":"2022-06-23","link":{"url":"/en/individuals/investing/the-ing-investment-strategy"}}]},{"componentType":"sectionTitle","title":"What products can you invest in?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>There are several products that you can invest in. Let&apos;s take a look at these together:</span></span></span></span></p><ul><li><span><span><span><strong><a data-type=\"internal\" href=\"/en/individuals/investing/shares\"><span><span>Shares</span></span></a></strong><span>: A share is an ownership interest in a company. As a shareholder, you own a percentage of the company concerned (proportional to the number of shares held).</span></span></span></span></li></ul><p>&gt; <a data-type=\"internal\" href=\"/en/individuals/managing-my-assets/investment-academy/investments-how-to-calculate-your-returns\">How to calculate your return on investment</a></p><p>&gt; <a data-type=\"internal\" href=\"/en/individuals/managing-my-assets/investment-academy/the-abc-of-shares-and-bonds\">The ABC of shares and bonds</a></p><ul><li><span><span><span><strong><a data-type=\"internal\" href=\"/en/individuals/investing/bonds\"><span><span>Bond</span></span></a></strong><span>: Subscribing to a bond is like making a loan to a company, local authority or government. This loan is at a certain rate for a specific term (5 years, 10 years, 20 years, etc.) which is known from the outset.</span></span></span></span></li></ul><p>&gt; <a data-type=\"internal\" href=\"/en/individuals/managing-my-assets/investment-academy/the-abc-of-shares-and-bonds\">The ABC of shares and bonds</a></p><ul><li><span><span><span><strong><a data-type=\"internal\" href=\"/en/individuals/investing/investment-funds\"><span><span>Funds</span></span></a></strong><span>: An investment fund is a basket of different financial products, such as shares or bonds. Investing in a fund allows you to invest in several companies, regions, currencies, etc. at once. </span></span></span></span></li></ul><p>&gt; <a data-type=\"internal\" href=\"/en/individuals/managing-my-assets/investment-academy/what-is-an-investment-fund\">What is an investment fund?</a></p><ul><li><span><span><span><strong><a data-type=\"internal\" href=\"/en/individuals/investing/trackers-etf-investment\"><span><span>Trackers</span></span></a></strong><span>: Trackers, also known as Exchange Traded Funds (ETFs), are funds listed on the stock exchange which, through a single security, enable you to invest in all the shares that make up a stock market index*.</span></span></span></span></li><li><span><span><span><strong><a data-type=\"internal\" href=\"/en/individuals/investing/investment-insurances\"><span><span>Branch 23 insurance</span></span></a></strong><span><span>: </span></span><span>Branch 23 insurance is life insurance where the premiums paid by the policyholder are invested in investment funds by the insurer.</span></span></span></span></li><li><span><span><span><span><strong><a data-type=\"unknown\">Branch 21 insurance</a></strong>: Branch 21 covers life insurance products with guaranteed rate and capital. (THIS PRODUCT IS NO LONGER SOLD.)</span></span></span></span></li><li><span><span><span><strong><a data-type=\"internal\" href=\"/en/individuals/investing/structured-notes\"><span><span>Structured note</span></span></a></strong><span>: A structured note is a debt security issued by a financial institution that does not have a fixed interest rate.</span></span></span></span></li><li><span><span><span><span><span><strong><a data-type=\"internal\" href=\"/en/individuals/investing/sustainable-investments\">Sustainable investments</a></strong>:</span></span> <span>Sustainable investment solutions enable you to invest your money while having a positive impact on society and preserving your potential return.</span></span></span></span></li></ul><p>&gt; <a data-type=\"internal\" href=\"/en/individuals/managing-my-assets/investment-academy/can-investment-be-sustainable-and-responsable\">Can an investment be sustainable and responsible?</a></p>"}},{"componentType":"sectionTitle","title":"Investment options at ING"},{"componentType":"paragraph","richBody":{"value":"<p>Do you now have a clearer view and feel ready to take the plunge? Here are the solutions available to you:</p><ul><li><strong><a data-type=\"internal\" href=\"/en/individuals/pension\">Fiscal savings</a>: </strong>Fiscal savings allow you to save for your retirement. And as a bonus, the government will give you an annual tax reduction up to 30% on the amount you saved in the previous year.</li><li><a data-type=\"internal\" href=\"/en/individuals/investing/easy-invest\"><strong>ING Easy Invest</strong></a>: With ING Easy Invest, you can invest without worrying. All you have to do is choose the term and the amount, and we&apos;ll take care of the rest!</li><li><a data-type=\"internal\" href=\"/en/individuals/investing/ing-self-invest\"><strong>ING Self Invest</strong></a>: The ING Self Invest solution allows you to manage your investments yourself. Using an online platform, you can buy or sell the investment products you want, in order to build up your portfolio.</li><li><a data-type=\"internal\" href=\"/en/individuals/investing/investment-advice\"><strong>ING Invest Advice</strong></a>: The ING Invest Advice solution lets you receive personalised investment advice from our experts.</li></ul>"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Investment simulator","intro":"Find out what return you can expect!","image":{"transformBaseUrl":"https://assets.ing.com/transform/80c4c47c-0d87-4aa6-90a9-6c8f8f7ecb1b/calculate-investment","type":"image","width":288,"altTextEN":"calculator","altTextNL":"rekenmachine","original":"https://assets.ing.com/m/13f6e98348ab86a5/original/calculate-investment.png","extension":"png"},"link":{"url":"/en/individuals/investing/investment-calculator"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Get more info and tips"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"News | Economy and financial markets","intro":"Find the latest podcasts, videos and analyses of our experts.","image":{"transformBaseUrl":"https://assets.ing.com/transform/e392387d-9693-4975-8a13-35fdcf427e35/Businessman-on-city-street-using-newspaper-as-protection-from-rain","type":"image","width":5500,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/57a63623c65f6572/original/Businessman-on-city-street-using-newspaper-as-protection-from-rain.JPG","extension":"jpg"},"link":{"url":"/en/individuals/news/economy-and-financial-markets"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span>*Stock market indices</span></span><span>: these are indicators that measure the overall performance of a region, market or sector<span><span> (e.g. geographical stock market indices, sectoral stock market indices, etc.)</span></span></span></span></span></span></p>"}}]}}}