{"type":"document","data":{"id":"06f0a228-d116-4fcc-b77a-88d039e09415","localeString":"en-GB","publishDate":"2025-10-31T13:41:31.156+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Choose the flagship solution that best matches your profile, and then personalise your portfolio based on your interests together with your Portfolio Manager. Would you prefer to delegate the management of your assets? Or would you rather be fully involved in building your portfolio?"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/individuals/services/contact-us-appointment?journey=invper&flow-step=call-me-back","text":"Interested? We’ll get in touch with you!"}},"coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/9803cc3b-f054-4387-8cd7-de31c3036a3c/PrivateBanking_BE_1612x800px_Truffles","type":"image","width":1612,"original":"https://assets.ing.com/m/6d4954acb90f940b/original/PrivateBanking_BE_1612x800px_Truffles.jpg","extension":"jpg"},"title":"Personalisation of your portfolio with your Portfolio Manager","subtitle":"Choose the flagship solution that best matches your profile, and then personalise your portfolio based on your interests together with your Portfolio Manager. Would you prefer to delegate the management of your assets? Or would you rather be fully involved in building your portfolio? Select the personalised management approach that suits you best."},"backLink":{"textLink":{"url":"/en/private-banking/investing","text":"Tailor-made investment solutions"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"The core of your portfolio: our flagship solutions"},{"componentType":"paragraph","richBody":{"value":"<p>Flagships are fund-of-funds* solutions. The experts at ING’s Investment Office have the freedom to select the best investment solutions to build these flagships. They are actively managed in line with our investment strategy and convictions.<br />You can choose between different approaches, levels of sustainability, and risk/return profiles. The flagship you select becomes the <strong>core of your portfolio</strong>.</p>"}},{"componentType":"sectionTitle","title":"Choose the personalised management approach that suits you best"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Discretionary Portfolio Management","image":{"transformBaseUrl":"https://assets.ing.com/transform/a66cb778-8270-4ca0-bdc0-02b06145183d/PrivateBanking_BE_196x176px_ChefWithClient","type":"image","width":196,"original":"https://assets.ing.com/m/7d8ff727db1e14bc/original/PrivateBanking_BE_196x176px_ChefWithClient.jpg","extension":"jpg"},"usps":[{"body":"Share your investment preferences with your Portfolio Manager and delegate the management of your assets to an expert.","iconType":"check-mark"},{"body":"We give you peace of mind.","iconType":"check-mark"},{"body":"Starting from €2,500,000","iconType":"check-mark"}]},{"title":"Advisory Portfolio Management","image":{"transformBaseUrl":"https://assets.ing.com/transform/e6c15ce1-e345-41d0-9cd7-853d560437a9/PrivateBanking_BE_196x176px_ManCloseToDish","type":"image","width":196,"original":"https://assets.ing.com/m/5aa84e748131d4cd/original/PrivateBanking_BE_196x176px_ManCloseToDish.jpg","extension":"jpg"},"usps":[{"body":"Together with your Portfolio Manager, you select the best investment solutions that perfectly match your aspirations.","iconType":"check-mark"},{"body":"We advise, you decide","iconType":"check-mark"},{"body":"Starting from €2,500,000","iconType":"check-mark"}]}],"title":"Discretionary Portfolio Management,Advisory Portfolio Management"},{"componentType":"sectionTitle","title":"Does personalised portfolio management meet your needs?"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Moudy El Khodr, </strong>Head of Portfolio Management Wallonia at ING Private Banking, shares insights on the benefits and opportunities of personalised portfolio management during his appearance on Canal Z.</p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/405569b36a694ec9/original/2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.mp4","videoPreviewURLs":["https://assets.ing.com/asset/0eaa58b8-f886-4af5-a34a-3bdca5745471/480p/2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.mp4","https://assets.ing.com/asset/0eaa58b8-f886-4af5-a34a-3bdca5745471/1080p/2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.mp4","https://assets.ing.com/asset/0eaa58b8-f886-4af5-a34a-3bdca5745471/720p/2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.mp4","https://assets.ing.com/asset/0eaa58b8-f886-4af5-a34a-3bdca5745471/mp4/2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/405569b36a694ec9/mini-2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.jpg","webimage":"https://assets.ing.com/m/405569b36a694ec9/webimage-2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.jpg","thul":"https://assets.ing.com/m/405569b36a694ec9/thul-2-Z-EXTRA-Investissement-a-la-carte-Canal-Z-Moudy-El-Khodr.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Key takeaways"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"Who manages my assets?","richBody":{"value":"<ul><li><p><strong>In discretionary portfolio management,</strong> you entrust your dedicated Portfolio Manager with the management of your assets, benefiting from their knowledge and expertise.  As your dedicated manager, they are always available and will regularly provide you with all the necessary information.</p></li><li><p><strong>In advisory portfolio management, </strong>your dedicated Portfolio Manager is also available at all times and will keep you informed through regular discussions.</p></li></ul>"}},{"title":"Is it appropriate to the level of risk I am willing to take?","richBody":{"value":"<p><strong>We base our approach on the elements defined in your investment profile</strong>, which includes your risk tolerance.<br />This profile plays a key role in shaping your investment mandate.<br />Of course, you can easily change your profile if your situation or preferences evolve.<br />Your portfolio management will then be adapted accordingly to reflect this new context.</p><p> </p>"}},{"title":"How is my portfolio put together?","richBody":{"value":"<p>Managing your portfolio mobilises the skills and expertise of a <strong>large number of specialists</strong>.</p><p>We build your portfolio based on the active investment strategy defined by our strategists and on the selection of the best investment solutions.</p><p>The investment approach is therefore built on 2 pillars:</p><ul><li>A dedicated fund*, managed in a fully open architecture** as the backbone of your portfolio.</li><li>Individual lines including shares, bonds, funds, structured notes, trackers...to reflect your specific preferences.</li></ul>"}},{"title":"Are the risks well managed?","richBody":{"value":"<p>At ING Private Banking, we pay a lot of attention to risk management. Your Portfolio Manager continuously monitors financial markets and your portfolio. We apply diversification rules to optimise risk management. In addition, a dedicated risk management team carries out regular checks on all portfolios under management.</p>"}},{"title":"Does the Portfolio Manager work alone on the portfolios?","richBody":{"value":"<p>To build and manage your portfolio, we use the skills of a <strong>large number of specialists</strong> such as our:</p><ul><li>economists</li><li>investment strategists</li><li>specialists in financial instruments (equities, bonds...)</li></ul>"}},{"title":"Is there a minimum amount to invest?","richBody":{"value":"<p>A minimum investment of:</p><ul><li><strong>€2.5 million </strong>is required to have access to the personalised discretionary management services.</li><li><strong>€2.5 million</strong> is required to subscribe to our advisory management solution.</li></ul>"}},{"title":"What about reporting?","richBody":{"value":"<p>You will receive a fully transparent management report in your own language:</p><ul><li>Daily tracking of your investments in the ING Banking app or by logging in via ing.be.</li></ul>"}},{"title":"What is the asset management cost?","richBody":{"value":"<p>Pricing is calculated according to the size and specific features of the case.</p>"}}]},{"componentType":"cards"},{"componentType":"sectionTitle","title":"Interested in our investment solutions?"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Already an ING Private Banking client?","intro":"Contact your Private Banker via the ING Banking app!","image":{"transformBaseUrl":"https://assets.ing.com/transform/4c8f79aa-f653-430e-bd15-7a94e7640b59/Fingerprint-phone-hand-spot","type":"image","width":615,"original":"https://assets.ing.com/m/6e6f3de4c512a23f/original/Fingerprint-phone-hand-spot.png","extension":"png"},"link":{"url":"/en/private-banking/contact/contact-us-private-banking"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Want to find out more about Private Banking?","intro":"Leave us your details and we will get back to you!","image":{"transformBaseUrl":"https://assets.ing.com/transform/67010ed0-a27d-4c66-b37c-a6bfb9a308c2/icon-Video-call-woman-spot","type":"image","width":847,"original":"https://assets.ing.com/m/7e02e75f5d5f534d/original/icon-Video-call-woman-spot.png","extension":"png"},"link":{"url":"https://www.ing.be/en/individuals/services/contact-us-appointment?journey=invper&flow-step=call-me-back"}}]},{"componentType":"sectionTitle","title":"Also interesting !"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Private Markets Solutions","intro":"Diversify your portfolio with Private Equity and/or en Private Credit investment opportunities.","image":{"transformBaseUrl":"https://assets.ing.com/transform/09a7fd7e-e882-4135-873b-a35bc0f082ba/Private-Banking-chef-s-hands-preparing-herbs-on-dish-general-16x9","type":"image","width":1920,"original":"https://assets.ing.com/m/518fe6c6f5f49573/original/Private-Banking-chef-s-hands-preparing-herbs-on-dish-general-16x9.jpg","extension":"jpg"},"link":{"url":"/en/private-banking/investing/private-markets"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"DRD fund","intro":"A tax-efficient investment solution.","image":{"transformBaseUrl":"https://assets.ing.com/transform/6d44502f-0372-43e5-a4d5-1067b29fd245/Private-Banking-sommelier-talking-to-chef-fam-bus-R","type":"image","width":3840,"original":"https://assets.ing.com/m/835ee4aed94ea42/original/Private-Banking-sommelier-talking-to-chef-fam-bus-R.jpg","extension":"jpg"},"link":{"url":"/en/private-banking/investing/drd"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Investment solutions","intro":"Tailored investment solutions from €500,000. Your portfolio is managed according to your needs and goals.","image":{"transformBaseUrl":"https://assets.ing.com/transform/9803cc3b-f054-4387-8cd7-de31c3036a3c/PrivateBanking_BE_1612x800px_Truffles","type":"image","width":1612,"original":"https://assets.ing.com/m/6d4954acb90f940b/original/PrivateBanking_BE_1612x800px_Truffles.jpg","extension":"jpg"},"link":{"url":"/en/private-banking/investing"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>* 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.</p><p>** Open architecture = Selection of the best underlying funds in the market, including those of other financial institutions</p>"}}]}}}