270.000 customers have already chosen pension savings with ING.
"}},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/8f421fe7-e6f6-4b6a-8e63-34f388995b3d/img_icon_geen_saldo_beleggingsrekening","type":"image","width":96,"original":"https://assets.ing.com/m/15be613ebd445544/original/img_icon_geen_saldo_beleggingsrekening.png","extension":"png"},"highlighted":false,"items":[{"body":"Kill two birds with one stone and benefit from a tax advantage of up to 30% while topping up your statutory pension.","title":"Tax benefits"},{"body":"You choose the amount and frequency of your payments, from €10/month (with a minimum of €120 per calendar year).","title":"From €10/month"},{"body":"Define the level of risk you want to take by choosing one of the three available funds. Adapt the amount of your transfers at any time according to your budget and your needs.","title":"Flexible"}]},{"componentType":"sectionTitle","title":"What is a pension savings fund?"},{"componentType":"paragraph","richBody":{"value":"A pension savings fund* is a type of collective investment fund that enables you to save for your retirement while benefiting in principle from a tax advantage of up to 30%**.
You can also benefit from a potentially higher return than with a pension savings insurance scheme, because your capital is invested in shares, bonds and cash.
Like all investments, funds carry risks. Your capital and returns are therefore not guaranteed.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/55116598-7dd7-4f78-bc06-8e230bddecf9/Midsection-of-woman-sitting-by-potted-plant","original":"https://assets.ing.com/m/58999358f8fcc27e/original/Midsection-of-woman-sitting-by-potted-plant.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Why choose a pension savings fund?"},{"componentType":"paragraph","richBody":{"value":"Our pension savings funds are designed to help you achieve your pension goals and build up a nice top-up to your statutory pension. Here are some of the advantages of a Star Fund account:
The average statutory pension in Belgium was €1,322.18 net for an employee in January 2022***.
The good news is that you can top up this amount, and the earlier you start, the greater the impact on your capital when you retire
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/8425f2cf-baa8-4c1b-995a-1cd521229c0b/Young-man-sitting-on-beach-against-clear-sky","original":"https://assets.ing.com/m/59a9a44d6f1d45e7/original/Young-man-sitting-on-beach-against-clear-sky.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Prepare your pension in the best possible way"},{"componentType":"paragraph","richBody":{"value":"Small streams end up being big rivers! With Star Fund, you can start saving for your retirement from as little as €10 a month. What's more, you can adjust this amount at any time to suit your budget and your needs.
The tax reduction is calculated at the special average rate of 30% or 25%, plus municipal tax. You benefit from an annual tax reduction of respectively:
You can easily transfer your pension savings plan from another bank to ING. A Smart choice because you not only benefit from our experience but also from a cashback worth EUR 125 and possible reimbursement transfer fees (max €75). Discover how to do it here.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/e5f31dcb-5b39-4ff1-b224-3f820ef37cb5/A-happy-couple-sits-on-the-couch-laughing-as-they-watch-something-on-their-laptop","original":"https://assets.ing.com/m/37c5bae2ad729c6c/original/A-happy-couple-sits-on-the-couch-laughing-as-they-watch-something-on-their-laptop.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Start saving for your retirement now"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"How to log on","body":"Use your debit card and the card reader or itsme®"},{"title":"Fill out the form and select your fund","body":"Set the annual amount and payment date"},{"title":"Finalise your application","body":"Check the summary and sign"}]}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/investments/mobile/ewv/product/7500/open?EW=true","text":"Preparing for retirement"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","richBody":{"value":"
"}},{"componentType":"sectionTitle","title":"Not an ING customer yet?"},{"componentType":"paragraph","richBody":{"value":"
New to ING? Choose your banking pack and become a customer in just a few steps:
You can suspend or close your Star Fund account if you wish.
Please note:
A withdrawal before your 60th birthday is fiscally very disadvantageous: you pay 33,31% tax on the capital.
Need help? Call us at 02/ 464 60 04
"}},{"title":"Can I change the risk level of my pension savings?","richBody":{"value":"Yes, you can adjust the risk level of your Star Fund. You can switch once per year for free between our three risk levels via the App/Home’Bank. Your current positions will be sold and reinvested into the new investment fund with the risk level of your choice. Your account number does not change.
Where can I find this in the App?
Where can I find this in Home’Bank?
You will receive a confirmation once processed.
"}},{"title":"Can I transfer my pension savings fund from another bank to ING?","richBody":{"value":"Yes, it is possible. You can easily transfer your pension savings plan from another bank to ING. More information here
"},"textLinks":[{"url":"/en/individuals/pension/star-fund-transfer_terms-and-conditions","text":"Discover the conditions"}]},{"title":"What are the conditions to open a Star Fund?","richBody":{"value":"You can open a Star Fund if you:
Opening a Star Fund is fully digital and takes only a few minutes.
"}},{"title":"Until when can I make contributions?","richBody":{"value":"You can contribute until the year you turn 64. Your Star Fund remains active afterward, but new contributions are no longer possible. Your capital stays invested until you decide to sell (part of) it.
"}},{"title":"What happens tax wise before / at / after age 60 or 65?","richBody":{"value":"The tax treatment depends on your age and on when you started:
Selling before your 60th birthday is very disadvantageous from a tax perspective.
You pay 33.31% withholding tax on your accumulated capital.
Withholding of the final tax (long-term savings tax or anticipatory tax)
If you opened your Star Fund before age 55, the final tax of 8% is automatically withheld on your 60th birthday. You do not need to take any action.
If you opened your Star Fund after age 55, this final tax is only withheld on the 10th anniversary of the contract opening.
Have you already been taxed at age 60? → Then you can sell without any additional tax.
Have you not yet been taxed (e.g., opened after age 55) and the contract has not yet reached 10 years? → Then the tax is applied at the time of sale → may increase up to 33,31%!).
At age 65, you are not required to sell your Star Fund. You may choose freely when you want to sell, without any additional tax, provided the final tax has already been applied.
"}},{"title":"How long does it take for my sale to be processed?","richBody":{"value":"Via the app or Home’Bank:
You can adjust or stop your periodic plan at any time via the app or Home’Bank.
In the App:
In Home’Bank:
Deleting the plan does not stop your Star Fund — you can always make a one‑off contribution or reactivate a plan later.
"}}]},{"componentType":"feature","featureName":"survey-starter?surveyName=59522f2c-4560-4b39-a780-2e4b451abb8d&autoStart=180"}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Why invest?","intro":"Benefits of investing","image":{"transformBaseUrl":"https://assets.ing.com/transform/de7bb8b9-6ae6-4664-aad1-5a572045a8b1/benifits-of-investing-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7f24e1031037982d/original/benifits-of-investing-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/benefits-of-investing"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How to start investing","intro":"Tips & tricks for beginners","image":{"transformBaseUrl":"https://assets.ing.com/transform/8fc72199-aa92-4b99-8e72-f0a742156c10/your-first-steps-investments-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/235a975e6d9192b1/original/your-first-steps-investments-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/how-to-start-investing"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notice"},{"componentType":"paragraph","richBody":{"value":"* A fund, also known as a Fonds Commun de Placement or Sicav, is a financial instrument that enables you to invest in a portfolio of transferable securities (shares, bonds, etc.) in line with a specific investment strategy. Although funds offer a number of advantages, they also entail risks and costs. Capital and/or returns are not guaranteed.
** The tax advantage depends on your personal situation, the amount of your taxable income and the maximum deductible amount for which you opt.
*** The average statutory pension was €1,322.18 net per month in January 2022 for Belgian employees. Source: Pensionstat.be
"}}]}}}