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Mandate without management fees - Retail Banking
In an era where financial markets are increasingly complex and interconnected, many questions can arise about investments. Is it the right time to take the leap from saving to investing? About my investments: is it the right moment to buy or to sell? In other words, it is difficult to take decisions alone with a cool head regardless of whether you are a beginner or an expert. At such times, a dedicated investment advisor can help, advise and work with you. Their goal is to work with you to plan out a short, medium and/or long-term investment strategy based on your projects for the future, your profile and the markets and life’s unknowns.
Enjoy an investment mandate without management fees until October 31, 2025!
At ING Private Banking, we propose personalized investment solutions, from independent investing to total delegation of your portfolio, and today we are pleased to offer you the possibility to try our solutions with this exclusive offer:
New management mandate
Between the 1st of February and the 30th of April 2025, subscribe to a new management mandate and get the management fees for free until the 31st of October 2025.
Or
Additional contribution to existing management mandate
Between the 1st of February and the 30th of April 2025, make an additional contribution to your existing mandate and get the management fees on this net additional contribution for free until the 31st of October 2025.
This offer applies to management fees only and is subject to conditions detailed below. Other fees can apply depending on the type of mandate: exchange fees, transaction fees or custody fees.
Choose the solution that suits you the best.
Managed Fund Portfolio
It enables you to benefit from the support of a team of independent experts specialised in selecting investment funds. For your investments, it uses the "ING Aria Lion" SICAV, which managers invest in to build a portfolio containing the best investment funds in each asset class adapted to each profile.
Conditions: new mandate from EUR 100,000 or additional net contribution in your existing mandate from minimum EUR 100,000.
Advisory Mandate
In addition to your private banker, a personal investment expert is dedicated to you. He/she is your special contact to discuss financial markets, assist you in building and monitoring your portfolio on a daily basis and help you execute transactions. You receive recommendations from this expert, but you stay in charge of your decisions.
Conditions: new mandate from EUR 750,000 or additional net contribution in your existing mandate from minimum EUR 100,000.
Tailor Made Discretionary Mandate
In addition to your Private Banker, a portfolio manager is assigned to you and is in charge of managing your assets in line with your needs and objectives. This financial expert, part of a team of multi-asset specialists, will optimise your financial assets and make your life easier. You can therefore be sure that the right decisions have been made at the right time, in line with your investment strategy.
Conditions: new mandate from EUR 1,000,000 or an additional net contribution in your existing mandate from minimum EUR 100,000.
How to enjoy this exclusive offer?
Are you interested in exploring this further or do you have any questions regarding our investment solutions?
- Send us an email at personal-banking.lu@ing.com.
What are the benefits of a management mandate
- Your advisor works with you to develop an approach that is both personalised and suited specifically to you.
- Our experts introduce you to the different investment options as well as their benefits, downsides, risks and expected returns, all in clear layman's terms.
- You do not have to follow the financial markets too closely. We track your investments, their maturities and their progress and ensure that they still meet your needs and your investor profile.
- Obtain a regular, proactive update about the economic environment and the bank’s forecasts.
All investments involve risk. The risks will be established when you define your investor profile.
Calculation method
New management mandate
When signing a new mandate during the subscription period, special conditions will be put in place to set the management fees to EUR 0.00 (from the first day) until the end of the campaign period (31st of October 2025).
Additional contribution to your existing mandate
During the subscription period, it will be observed on a monthly basis what new net contribution has been made. The net contribution is the positive difference between all supplementary payments and withdrawals. This amount must be at least EUR 100,000 in order to qualify for the action.
On the 31st of October 2025, the net amount you have left in the management mandate will also be observed. This amount is your new net contribution during the subscription period less withdrawals made during the campaign period. It must be at least EUR 100,000 at the end of the campaign period to qualify for the campaign conditions. This amount will also be the cap used as a basis for calculating the reimbursement of management fees.
In other words, if you make a top-up payment of more than EUR 100,000 during the subscription period and leave it until the end of the holding period, all management fees related to that top-up will be refunded to you.
However, if you make a contribution and afterwards multiple withdrawals, this may exclude you from the conditions to be eligible for a reimbursement of the management fees.
Please note as well that cash (proceed) or asset movements between the ING Aria funds range and portfolio management solutions or vice versa (on one account as well on accounts belonging to the same client's group*) will be considered not to constitute additional invested capital in the investment solutions in scope of the offer above and are therefore excluded from the offer.