Had a windfall?
Now a €50 bonus with (pension)investing
Have you had a windfall in your account? Your holiday pay, for example, or a tax rebate? You might be planning to put the money into a savings account, but have you considered other options? Investing, for example, for a good pension, to travel or for another long-held dream.
Investing involves risk. You could lose all or part of your initial investment.
Start with a bonus
€50 bonus with investing
Do you want to get more out of your windfall or holiday pay? If you start investing by 30 June 2025 and meet the terms and conditions, we’ll give you a €50 bonus. Choose which way of investing suits you best.
€50 bonus with pension(investing)
How about using your windfall to build up extra pension? If you open a pension account by 30 June 2025, we’ll give you a €50 bonus. You decide for yourself whether to save or invest your deposit, or a combination of the two.
Investing. How it works
Investing means putting your money away for an extended period. The aim is to make a profit and hopefully build up some extra capital for later. To go off travelling perhaps, or to make life a bit easier when you retire. Investing gives you a chance of higher returns than you can earn on savings. But investing also involves risks. You could lose all or part of your initial investment.
Different ways of investing
Self-directed or guided investing
There are various ways to invest. Don’t have much time or the right knowledge? Guided investing might work for you. If you want to take charge of your investments yourself, we have a global range of products to choose from. Decide on your goal, the risk level and how long you want to invest for.
- Invest through your investment account
- Buy or sell whenever you want
- Start investing from €20
- Invest in a large or small range of products
- Manage your own investments, or opt for guided investing; compile your own portfolio or choose one of our managed profile funds
- Now with a €50 bonus
Investing for your pension
Pension investing is a way of investing to top up your pension. You do this through your pension account. If you stay within your annual margin, you’ll be eligible for up to 49.5% tax relief. When you’re ready to retire, you can have the capital you’ve accrued paid out as gross income.
- Invest through your pension account
- Your money stays in the account until you retire
- Invest amounts from €1
- Possible tax benefits
- Guided investing; you invest in a well-diversified model portfolio
- Now with a €50 bonus
What’s right for me?
Saving or investing?
The decision about whether investing is right for you depends on your situation. Have you got a healthy savings account and a bit to spare? Are you prepared to take more risk than with saving? And what are your goals? If you’re planning to buy a new washing machine shortly, it’s more sensible to save. But if you want to travel later on, investing might be a better option. You can also opt to save and invest. This gives you the continued security of saving.
Pension saving or pension investing?
The decision about whether you should save or invest to top up your pension depends on your situation and goals. If you’re looking for a secure way to top up your pension, pension saving is probably a sensible choice. You simply transfer any money you have to spare into a pension account. Your savings will earn interest and there’s no risk of losing your capital.
Pension investing is an opportunity to gain higher returns, particularly if you invest for the long term. But turbulence on the stock market could cause the value of your investments to drop. You must be prepared to take a risk. ABN AMRO can invest your pension investments in well-diversified model portfolios, which makes it easier to keep track.
You can also opt for a combination of saving and investing within your pension account. This gives you a chance of earning higher returns with part of your pension capital, while you enjoy the peace of mind of saving with the other part.
More about pension saving >
More about pension investing >
Discover pension saving and investing >
Investing or pension investing?
Do you want to invest to top up your pension? To give yourself extra financial security when you retire, or maybe to maintain your current lifestyle? And are you interested in investing in a diversified model portfolio? If so, pension investing might be what you’re looking for. You do this through your pension account. To open this, you first need a pension savings account. Pension investing allows you to benefit from tax relief, unlike regular investing. All you need to do is make sure you stay within your annual margin.
More about your annual margin >
Do you have other dreams for the future? Perhaps you want to travel. Maybe you want to invest for your pension, without your money being blocked in the account until you reach retirement age. Or perhaps you’d enjoy compiling your own portfolio and actively trading yourself. If so, investing might be what you’re looking for. We offer various options for self-directed investing. You can choose from a large or small range of products. If you don’t have enough time or the right knowledge, or you’d prefer our experts to manage your investments for you, you could consider guided investing.
Find out which type of investing is right for you >
Can I spare the money invested for a long period of time?
An important question to ask yourself when choosing between investing and pension investing is; can I spare the money invested for a long period of time? If you invest through pension investing, the money really is for later; you can’t easily access it before the end of the term. You can of course stop the pension investing service by selling your investments. The proceeds of the sale will then be transferred to your pension savings account, so that you can continue saving.
Investing and pension investing
It’s possible to invest, and invest for your pension, at the same time. This means transferring part of your capital into your pension investment account and another part into your regular investment account. Saving and pension saving is another possibility.
Start gradually
If you’re interested in investing, but the idea is making you nervous, it might help to approach investing as a long-term goal. If you’re patient enough to invest your money and let time do the work, you’re more likely to earn positive returns. Another reassuring thought is that you can invest small amounts. You can do this through periodic investing, for example. This involves investing smaller amounts at fixed intervals.
Questions from clients about investing
Do you need to be an expert to invest?
You don’t have to be an expert to invest. And you don’t have to follow the stock market news every day either. You should, however, ask yourself the following questions:
Do I have enough money, alongside my savings?
What's my investment goal?
How long do I intend to invest for?
How much am I willing and able to invest?
Can I spare the money for a long period?
How much risk am I willing to run?
How much time do I want to spend on my investments?
It’s also important to know something about the basics of investing. This will help you to make the right decisions. Our step-by-step investment plan explains the ins and outs of investing. And we’ll talk you through the opportunities and risks.
When is the best time to start?
That’s a very good question. The simple answer is that there is no such thing as the ideal time to enter the stock market. No one can predict whether stock markets will go up or down over the coming months. If you’re keen to get started with investing, why not make investments at different times? Every month, every six months or every year, for example. This way, there's a smaller chance you only invest at an unfavourable moment. You’re spreading the risk and increasing your chance of positive returns.
Periodic investing is a good way of spreading your investments by investing at different times. Periodic investing means automatically investing a fixed amount at fixed times. This takes a lot of the work off your hands.
Can I invest risk-free?
There’s no such thing as risk-free investing. Your investments can (temporarily) go down in value, depending on a company’s performance, market sentiment, and how the economy is going. So you could lose all or part of your initial investment. Here are some tips to help you limit the risk:
- Be aware of the risks and don’t jump on bandwagons.
- Only invest money you can spare. Maintain a buffer for unforeseen circumstances.
- Remember to put some extra money aside for a rainy day.
- Consider your horizon (how long you want to invest for), and choose the risk you are willing to take accordingly.
- Start investing gradually, over a longer period.
- Spread your investments if you are doing the investing yourself. Don’t invest in just one specific share or shares from one single industry or country. Consider ETFs or investment funds, which offer a good spread for your investments.
Here are the risks:
Most investors have heard of price risk, market risk, concentration risk and credit risk. We’ll explain what all these risks mean and which other risks you should be aware of.
Investing involves risks
Investing involves risks. You could lose (some of) the money you invested. If you are going to invest, it is important that you are aware of this. Invest with money you can spare. Read more about the risks associated with investments.
Do you need help?
Do you have a question?
Find the answers to frequently asked questions about investing on our service page.
