Invest or save?

You should actually invest AND save. Putting money aside to have a safety cushion to cover the unexpected is essential. In the short term, saving is generally the best option. In the long term, investing usually outperforms saving. Investing carries risks. You should also always factor inflation into your considerations.

  The difference between





Have cash immediately on hand. #Security


Grow your pool of savings over the long term. #Yield

What for?
Afford unplanned expenses, whether treats or necessities

What for?
Make your money work for you or save comfortably for your retirement

How much?¹
Average annual yield in Luxembourg 0% to 2.25 % gross

How much?²
Average annual return of 0 % to 8.16 % gross.

¹ Source : ING analysis - 2021 - 2023.
² Source : ING Portfolio Management Bloomberg. Calculation from 2013 to 2022.

How do native and adopted Luxembourgers maintain or improve

  their financial situation?¹


say they invest in investment products.


say they regularly set long-term financial goals.

¹ Source : Ipsos survey on behalf of ING Luxembourg - 2013

 I've made up my mind, I'm going to take the plunge!

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