Investment options in the Netherlands

Periodic investing

Automatically invest a fixed amount

Under periodic investing, you choose to automatically invest a fixed amount one or more times a year. This money is then automatically invested in an investment fund of your choice, for example once a month.

You determine and arrange the following yourself:

  1. The form of investing through which you want to invest periodically: Guided Investing, Self Directed Investing Basic or Self Directed Investing Plus.
  2. The amount of periodic investments.
  3. How often you want to invest automatically: once a month, once a quarter, once every six months or once a year.
  4. In which investment fund, from the range under your chosen form of investing, you invest in.
  5. When you want to change something, withdraw money or stop.

Benefits of periodic investing

By buying investments at different times, you spread your risk. For instance, you buy the investment fund in one quarter for a lower price and in the next quarter for a higher price. In this way, the purchase price averages out. This makes you less sensitive to price fluctuations in the longer term.

With periodic investing, you buy a part of an investment fund every time. This way you can grow your investment in steps. And if all goes well, also your return.

You can set up periodic investing yourself through Internet Banking. You decide everything yourself: when you start, how often and how much you want to invest, whether you want to change something and when you stop. You can also always give an order to sell all or part of your investment.

Under periodic investing, you do not pay any transaction costs for buying or selling investment funds. You buy and sell investment funds in Guided InvestingSelf Directing Investing Basic and from the basic range in Self Directing Investing Plus always without transaction costs.

You do pay the running costs and service costs for your chosen form of investing: Guided InvestingSelf Directed Investing Basic or Self Directed Investing Plus.

When buying an investment fund, you must take into account the costs that these funds incur:

  • Management and administration costs, the so-called running costs. 
  • Costs for buying and selling investments, i.e. the transaction costs within the fund.

These costs are already included in the price of the investment fund.

This is how you set up periodic investing

  1. Choose an investment type

    Choose the type of investing that suits you: Guided Investing, Self Directed Investing Basic or Self Directed Investing Plus and follow the instructions.

  2. Select an investment fund

    For Guided Investing, determine the Profile Fund. For Self Directed Investing Basic and Plus, use the fund selector to choose an investment fund in which you want to invest.

  3. Choose the amount

    Determine the amount that you want to automatically invest periodically.

  4. Choose the term

    Choose whether you want to invest per month, per quarter, bi-annually or annually.

  5. Select a start and end date

    Indicate both the start and end dates.

  6. Confirm and send

    Confirm and send the order through Internet Banking.

 

How does periodic investing work?

Suppose you have chosen to start investing with ABN AMRO Guided Investing for € 100 per month. You subsequently open an investment account within a few minutes..

You also specify the account from which this € 100 can be automatically debited. This is the so-called linked contra account from which the amounts for your orders and service costs are debited. You can use an existing current account as a contra account or an Investor Savings Account will be opened automatically for you.

Once this has been arranged, € 100 will automatically be invested in your chosen investment fund every month. This investment fund will be assigned to your investment account and will be visible in the overview, including the associated value.

TIP! Make sure there is enough money in the account

The periodic amount is automatically debited from the linked contra account, this is the account from which your orders are paid. However, if there is insufficient money in this account, the periodic deposit will not be made on that occasion. If there is enough money the next time, the periodic deposit simply continues as before. 

So always make sure that there is enough money in this contra account. You can easily arrange this by setting up a periodic transfer from a current account to the linked contra account. This can also be a current account held with another bank.

 

Everything about the risks of investing

Investing involves risks, you may lose (part of) your investment. Read more about the main investment risks and how it works.

Read all about investment risks

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