Invest or save?

You should actually invest AND save. Putting money aside to have a safety cushion to cover the unexpected is essential. For the short term, saving is generally a better solution. For your longer-term plans, the return on investment is more attractive than on traditional savings.

  The difference between





Have cash immediately on hand

Grow your pool of savings over the long term

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 return of 0% to 1% a year

How much?²
Average return of 2,3% to 7,8% a year

¹ Source : European Central Bank, 2010-2020.
² Source : ING Portfolio Management, Bloomberg. 2010-2020.

  How do other people

  manage their money?¹


Europeans save 83 % of their money. 17 % are invested.


For their part, Luxembourgish  residents save 69% and invest 31% of their money.

¹ Source: Calculation by ING based on data from: European Central Bank Household Sector Report, 2020 Q3.

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

If you want to make money, you only need to invest a little.             

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