You can choose from 3 different funds, each corresponding to a certain level of risk:
The risk level of each fund is thus determined by the types of investments made with it and whether those investments are low-risk or high-risk.
Want to know more about the different solutions? Visit star-fund.be for more information and documentation.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"Do I need to change my pension savings fund?","richBody":{"value":"You are currently already saving for your retirement through one of our pension savings funds. You are not obliged to change your current fund at all. You can find information about your current pension savings fund via Home'Bank and the ING Banking app. If you want to keep this, you don't have to do anything.
"}},{"title":"Which fund should I choose?","richBody":{"value":"Changing your pension savings fund is only possible via Home'Bank. This means that you decide for yourself how you want to save for your retirement from now on. Please review all information and documentation before making an investment decision. You can find this information at star-fund.be.
"}},{"title":"Are there additional costs if I change my pension savings fund?","richBody":{"value":"No, there are no additional costs. The costs for the 3 pension savings funds are identical. The change of your fund itself is also completely free of charge.
"}},{"title":"Does this affect my periodical plan?","richBody":{"value":"Once the change of your pension savings fund has been finalized, future payments will be made into your newly chosen fund. Nothing else changes in your plan. The amount and frequency remain unchanged.
"}},{"title":"Does this affect my tax reduction and declaration?","richBody":{"value":"Changing your pension savings fund has no influence on your tax reduction and declaration. The total amount you want to save for your retirement on an annual basis remains unchanged. You can consult this amount in Home'Bank or the ING Banking app by selecting 'Change Plan'. So nothing changes for your tax declaration. As every year, you will receive a tax certificate from us for the total amount invested in that income year (all deposits in the relevant income year are added up, regardless of which fund the deposits were made in).
"}},{"title":"How can I change my fund?","richBody":{"value":"You can only change your pension savings fund yourself via your ING app or Home'Bank. Select 'Manage' and then 'Fund switch' from your ING app. In Home'Bank open the overview of your Pension Savings Fund and select "Fund Switch" under the block "My portfolio overview". Please note that it takes approximately 2 banking days before your fund has been changed.
"}},{"title":"How long does it take for my fund to change?","richBody":{"value":"Once you have signed the application digitally, it will take 2 banking days before your fund has been changed. If you consult your Star Fund account in your app or Home'Bank, the details of your Star Fund account will only be updated after these 2 banking days.
"}},{"title":"How often can I change my pension savings fund?","richBody":{"value":"If you invest for your retirement, it is for the long term. Usually, the risk you want to take for your investments remains stable over the years. But depending on your age, investment horizon or your financial situation, your risk appetite may change. That is why it is possible to change your fund once a year.
"}},{"title":"Will my Star Fund account number change if I change the fund?","richBody":{"value":"The 8-digit account number remains the same.
"}},{"title":"Will my deposits still be debited from the same cash account if I change my fund?","richBody":{"value":"Yes, future deposits into the newly chosen fund will be made via the same cash account (= the reference account of your Star Fund account).
"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"* By fund we mean 'undertaking for collective investment' (= UCI). UCI is a general name for institutions that raise financial resources from the public and manage a portfolio of financial instruments.
** Home'Bank, Business'Bank and the ING Banking app are available to all Home'Bank, Business'Bank or ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the Home'Bank, Business'Bank, (annexed to ING’s General Regulations), the General Terms and Conditions of the ING Banking app, transaction fees, is available on www.ing.be, at your ING branch and by telephone on +32 2 464 60 04.
"}}]}}}