Delegate You entrust investment decisions to a team of experts. This guarantees that the right decisions will be made at the right time, in line with your objectives, situation, investment horizon and therefore your risk profile.
Expertise A dedicated portfolio manager is responsible for managing your assets according to your needs and in accordance with your objectives, situation, investment horizon and therefore your risk profile.
Bespoke You describe your needs, expectations and ambitions and we propose a solution adapted to your objectives, situation, investment horizon and therefore your risk profile.
Transparency You will receive a report including a wealth assessment and the performance of your investments.
Rigorous method Your portfolio manager adopts a rigorous management approach and regularly checks the different securities in your portfolio.
Follow-up Our risk managers monitor the implementation of the investment strategy and assess the risks associated with your portfolio.

What is a discretionary management mandate? 

You have neither the time, need nor desire to manage your investment portfolio yourself, but you wish to be invested in financial markets. 

By signing a discretionary management mandate, you fully delegate management of your investments to a team of professionals. But first we determine with you what your goals, investment horizon, amount you wish to invest and risk profile are. 

Our experts then manage your portfolio for you, taking advantage of opportunities on the market and regularly reviewing its performance with you.

A mandate adapted to your financial goals and circumstances 

We determine your investor profile together in order to build a portfolio that best matches your goals, profile and financial circumstances. To do this, we take into account several factors, including: 

  • expected investment duration, 
  • the level of risk you are prepared to take, 
  • the potential performance that you expect from your initial investment, 
  • your sustainability preferences.

You will be assigned one of the five profiles below once you have completed this preliminary step with the help of your own Personal or Private Banker. This profile will clearly reflect your main preferences in terms of risk and investment goals.

The image shows a table entitled "Level of risk/expected return". The table is structured along two axes. The vertical axis lists the different investment profiles: Aggressive, Dynamic, Balanced, Moderate and Conservative. The horizontal axis indicates the expected level of risk/return, ranging from Very Low to Very High. Each investment profile is represented by dots placed in the columns corresponding to the expected level of risk/return. At the bottom of the table, a text indicates "Investment horizon" with an arrow going from "Short term" to "Long term".

The table explains that return and risk are linked. The higher the expected return, the higher the risk. The level of risk/return correlates with the risk profile:

  • aggressive profile: very high level of risk/expected return
  • dynamic profile: high level of risk/expected return
  • balanced profile: medium level of risk/expected return
  • moderate profile: low level of risk/expected return
  • conservative profile: very low level of risk/expected return

The table also shows a correlation between the level of risk/expected return and the investment horizon: with an aggressive profile and a very high level of risk/expected return, the investment horizon is long-term. Conversely, with a conservative profile and a very low level of risk/return, the investment horizon is short-term.

Choice of the most suitable investments

A team of investment experts then manages your portfolio for you. Our team uses its expertise and knowledge to allocate the financial products best suited to your profile and the type of mandate chosen.

Risk management

Having a team of experts at your side enables you to control your risk. Indeed, your manager will work on your portfolio based on the information you have given them and your profile. They then have room for manoeuvre that enables them to be highly responsive to the macroeconomic environment in particular, and to be able to manage your risk and desired return. 

All investments involve risks such as the risk of loss of capital, market risk, interest rate risk, credit risk and liquidity risk. Your level of exposure to these risks is determined and communicated to you when you define your investor profile.

Wide range of mandates

We offer different types of mandates to match your profile and needs. These may consist solely of ING funds or financial products enabling you to build a bespoke portfolio.

High-end services

Regular updates with your Personal or Private Banker.

Possible access to a dedicated portfolio manager depending on the amount invested.

A report with a detailed view of each component in the various financial products held in your portfolio as well as the performance achieved, available whenever you wish on My ING and at request from your account officer. 

Regular access to information to keep up to date with the latest economic news and developments on financial markets. 

Invitations to events throughout the year (macro-economic conferences, financial education, etc.).

Rates and Terms & Conditions

All rates and terms and conditions of our mandates are available on request.

Please contact your Private or Personal Banker directly for any other information you may require or send us an email.

Documentation

My Money

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How can we help you?

Call us from Monday to Friday

+352 44 99 94 15

Send us an email

private.banking@ing.lu

Where to find us

26 Place de la Gare, L-2965 Luxembourg
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