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Marketing communication
ING Aria Funds : Conservative
About this Fund
A sub-fund of ING Aria, a Luxembourg-based open ended investment company (SICAV) without maturity date subject to European regulations and managed by ING Solutions Investment Management S.A., management company under Luxembourg Law.
Objectives*
► Investment Objective:
The objective of the sub-fund is to seek exposure to bonds and money market instruments primarily via open-ended UCITS/UCIs mainly domiciled in member states of the European Union.
► Investment Policy:
The aim of the sub-fund is to provide steady growth of invested capital while seeking performance linked primarily to bonds and money market instruments. The purpose of the sub-fund is limited to passive investment.
► ESG considerations:
The investment approach of the sub-fund considers ESG factors in the portfolio selection and management in order to generate long-term competitive financial returns and positive societal impact (Article 8 SFDR).
► Benchmark:
The sub-fund is actively managed and is not constrained by a benchmark index.
► Trading and cut-off time:
Investors may request redemptions of shares daily in line with the relevant section of the Fund's prospectus.
► Distribution policy:
Capitalisation shares: your shares do not distribute dividends, all income is reinvested.
Distribution shares: your shares will be distributing shares.
► Currency:
EUR
► Additional information:
Depositary: CACEIS Bank, Luxembourg Branch.
The latest prospectus and periodic regulatory documents drawn up for the entire Fund are available free of charge in English from the Management Company, ING Solutions Investment Management S.A., 26, Place de la Gare, L-1616 Luxembourg or on the website https://www.ing-isim.lu. The net asset value is available on request from the Management Company. Investors may convert their shares of any class of one sub-fund of the Fund into shares of another class of that sub-fund or a different sub-fund subject to the provisions of the prospectus.
► Intended retail investor:
This product is suitable for investors who are willing to accept the risk of total loss of invested capital and have an investment horizon of approximately 1 year. It is intended for investors who do not have the minimum required level of knowledge and experience of financial markets. This product can be used both as a primary investment and as part of a diversified portfolio.
*This is the content mentioned in the Key Information Document (KID). The capital and/or returns is/are not protected or guaranteed. The prospectus and the KID must be read before making an investment decision. The promoted investment concerns the acquisition of units or shares in a fund, not in an underlying asset.
Portfolio*
- Composition
- Asset allocation
*Data as of 31/12/2024 (updated on a quarterly basis).
Source: ING Solutions Investment Management S.A.
Performances*
- Evolution of the Net Asset Value (NAV)
- Performances net of all costs
** For recent products, available NAV may be less than 5 years.
**Year to Date, net performance since 1st January.
***The share class was launched in 10/2014.
*Data as of 31/12/2024 (updated on a quarterly basis).
Past performance does not predict future returns.
For distribution classes, the return shown reflect the assumption that dividends have been reinvested.
Source: ING Solutions Investment Management S.A.
Dividends
Dividend calendar*
Frequency: 1x/year
*Gross amounts in EUR. The distribution represents the sum of distributed income over the last 12 months.
Costs
One-off costs upon entry or exit
- Entry costs: Maximum 5.00%
- Exit costs: none
The percentage shown is the maximum amount that can be paid out of your investment. Your financial advisor or distributor can inform you of the associated entry and exit charges.
Ongoing costs taken each year
- Management fees and other administrative or operating costs: 1.89% of the value of your investment per year.
This is an estimate based on actual costs over the last year.
- Transaction costs: 0.15% of the value of your investment per year.
This is an estimate of the costs incurred when we buy and sell the underlying investments for the product. The actual amount will vary depending on how much we buy and sell.
Incidental costs taken under specific conditions
- Performance fees: none
In order to limit the liquidity risk and protect all existing investors against the costs incurred by subscriptions and redemptions, the Fund has adopted, for all of its sub-funds, a protection mechanism called “Swing Pricing”. Swing Pricing aims to counter the negative impact (on the NAV) caused by inflows and outflows by automatically adjusting the NAV upward or downward using a predetermined percentage (the «Swing Factor») in the cases where these net inflows or outflows exceed the predefined levels (the “threshold(s)”).
For more information with regards to the costs, please consult the prospectus and/or the KID available under the section "Documents".
Your advantages
Optimal diversification
A selection of the best funds on the market. This means your portfolio is diversified.
Risk management
If an asset class is temporarily subject to heightened risk, this is controlled by the reduction of the weighting of this asset if considered appropriate.
Responsiveness
The portfolio is adapted continually depending on market conditions and events, as well as the economic outlook, in order to benefit from the best opportunities.
Risks
Risk Indicator
The summary risk indicator is a guide to the level of risk of this product compared to other products. It shows how likely it is that the product will lose money because of movements in the markets or because we are not able to pay you.
We have classified this product as 2 out of 7, which is a low risk class. This rates the potential losses from future performance at a low level, and poor market conditions are very unlikely to impact the capacity to pay you.
This product does not include any protection from future market performance so you could lose some or all of your investment.
... in addition to the risks taken into account in the above risk indicator, the following must be taken into account...
Credit risk
There is a risk that the issuer may default. The likelihood of this happening will depend on the credit-worthiness of the issuer.
Currency risk
Changes in exchange rates may cause the value of your investment to decrease or increase.
Liquidity risk
Liquidity risk exists when particular investments are difficult to purchase or sell. Consequently, the Fund may be unable to transact at advantageous times or prices and this can reduce expected returns.
Please refer to the Fund's prospectus for a full list of risks which can affect the overall Fund value.
The content above has been prepared by ING Solutions Investment Management (ISIM), the management company of the Fund. This content contains information, including, without limitation, statements and statistics that have been obtained by ISIM and are of the ownership of ISIM. ING has no liability in relation to the accuracy, completeness, and update of this content.
Documentation
I am a customer
I need information
Practical information
Additional information: ING Aria is an investment company with variable capital (SICAV) under Luxembourg law, meeting the conditions of Directive 2009/65/EC and managed in accordance with that Directive by the management company, ING Solutions Investment Management S.A. The following information is available free of charge from the website ing-isim.lu, under “Our Funds”: the prospectus (in English), Key Information Document (KID) (in official language(s) of your country), annual reports and semi-annual reports (in English). Paper copies may be obtained free of charge from the institutions providing the financial service. The prospectus and the Key Information Document (KID) must be read before making an investment decision. The net asset value is available on request from the management company. It is also available from the institutions providing the financial service. Information about payments, participants, unit redemptions or repurchases and about the Fund is available to the public from the offices of the institutions providing the financial services.
Remuneration Policy: The current English version of ING Solutions Investment Management S.A.’s remuneration policy is attached to the prospectus and can be consulted on the website ing-isim.lu/policies.
Taxation: Depending on your tax regime, any capital gains and income arising from the ownership of shares in the Fund may be subject to taxation. We advise you to consult your financial advisor for more information on taxation.
Legal information: ING Solutions Investment Management S.A. can only be held liable for the statements contained in this communication if they are misleading, inaccurate or contradictory to the corresponding parts of the Fund’s prospectus. This communication is specific to the product as mentioned at the beginning of the communication. The liabilities and assets of each sub-fund are segregated. The annual (semi-annual) report is prepared by the Fund for all sub-funds. The summary of investors' rights is available in English, French, Dutch and German under: ing-isim.lu/policies.
Complaints: Should you wish to make a complaint, your financial intermediary is the first point of contact. You can also send it in writing to ING Solutions Investment Management S.A., 26 Place de la Gare, L-1616 Luxembourg or by email to compliance.isim@ing.com.
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