ING DiBa Savings Plan Shares.

How to create an ING DiBa savings plan? What are the advantages of an ING DiBa savings plan? Eulerpool has the answers, shows strategies and a list of all the stocks in ING DiBa's free savings plan.

ING DiBa Savings Plan Shares.

Automated investing. For some years now, many brokers have offered the option of setting up a savings plan on shares or ETFs. This is a regular purchase of securities at a predetermined price. The advantage of savings plans is a low or even no order fee.

Even today, individual purchases of shares are still very expensive with some brokers, which means that it is often only worthwhile to execute an order from €1,000. With the new Neo brokers, the whole thing has changed somewhat. Many offer very low order fees and the execution of savings plans is even free.

To explain the whole thing with an example, let's assume that we want to make an ING DiBa ING DiBa savings plan on the Apple share. We first determine when the ING DiBa savings plan should be executed. Here you are somewhat limited, because most brokers only offer the beginning or middle of the month. If you want to invest at longer intervals, you can also choose quarterly.

Then you select the ING DiBa savings plan amount. Here, it usually starts at €25, although this is also lowered further and further for many. This sum is now invested in Apple shares by the broker puts shares of a whole share in the deposit. This means that at a price of 150€, you get 0.166 shares worth 25€.

Easy way for private investors. For many beginners it is a big problem to know when to get in. Is the share now too expensive or still very much worth buying? An ING DiBa savings plan anticipates this question, because the same amount is always invested each month, regardless of where the share stands at that time. Thus, one invests in good as well as bad times and gets an average entry price in the long run.

For many private investors, an ING DiBa savings plan provides psychological support, because the risk of entering at a very bad time is hereby taken away. Many private investors put themselves under pressure and stress when prices fall. Many also get very nervous when there is a minus in the portfolio shortly after a large purchase.

The ING DiBa savings plan thus ensures that you do not get too nervous in bad times, but you also benefit from the good entry opportunities by investing regularly, without having to determine for yourself whether the lowest point will be reached now or only in a few weeks.

Positive points outweigh negative ones when investing for the long term. In terms of advantages and disadvantages, you have to differentiate a bit whether you want to invest something from your income monthly or invest a large one-time amount. If you want to invest something from your income monthly, you can either save over several months and then make a large single purchase in possible crashes. Otherwise, you invest it directly via ING DiBa savings plan.

Statistically, now is always the best time to invest, assuming that prices will rise in the long term. Many private investors often wait for a crash to buy, but miss out on all the price gains and dividends beforehand. On the one hand, they often buy much higher anyway, because hitting the absolute bottom is almost impossible, and on top of that, the mindset plays a big role in investing when prices are falling.

The ING DiBa savings plan therefore not only provides psychological support, but also significantly more time, because you don't have to worry about when is the right time to make an individual purchase.

Now to the disadvantages. These are led by the choice that one has in savings plans. Not every share is eligible for savings plans with the broker ING DiBa, which is usually due to the fact that the company is not large enough. However, the selection is very high and all large and medium-sized companies are eligible for savings plans at ING DiBa without any problems. In addition, the offer is constantly being expanded.

As already mentioned above, a certain point in time is predetermined. Therefore, you cannot invest at any time when using an ING DiBa savings plan. Moreover, the whole strategy is only worthwhile if you invest for the long term.

ING DiBa ETF Savings Plan: Invest an ETF on broadly diversified indices and thus benefit from the general market performance. One is very broadly diversified in many countries and sectors. This is a long-term type of investor who wants to invest regularly in the capital market.

ING DiBa long-term savings plan: Regularly save for a certain selection of shares over the long term. In this case, no changes are made over a longer period of time and you benefit from an average entry price.

Alternate ING DiBa Savings Plan: You can rotate the selection monthly or quarterly if you want to invest in more companies but the savings amount is not enough. For example, you could invest in one list of stocks every even month and in the other list every odd month.

Use ING DiBa savings plan as a single purchase: This point is interesting for many private investors who would like to buy individual shares, but do not have enough capital to buy, for example, a whole Amazon share (2,800€). In this case, one could set the ING DiBa savings plan to 1,000€ and terminate it again after execution. Thus, you have Amazon as a single position in the portfolio, but not overweighted, if all other positions are also about 1,000€ in size.

Automated investing. For some years now, many brokers have offered the option of setting up a savings plan on shares or ETFs. This is a regular purchase of securities at a predetermined price. The advantage of savings plans is a low or even no order fee.

Savings plan provider comparison

Provider
Fees /
Min. sum
#Shares / #ETFs
Comdirect
Execution on:
1. / 7. / 15. / 23.
1,5 % /
25 EUR
400 / 900
TradeRepublic
Execution on:
2. / 16.
#Shares / #ETFs /
10 EUR
2.500 / 1.500
ScalableCapital
Execution on:
1. / 4. / 7. / 10. / 13. / 16. / 19. / 22. / 25.
#Shares / #ETFs /
1 EUR
6.000 / 1.902
Consorsbank
Execution on:
1. / 15.
1,5 % /
10 EUR
580 / 794
ING
Execution on:
1. / 15.
1,75 % /
1 EUR
560 / 817

Start. As soon as you have opened a securities account, you can immediately start setting up savings plans. To do this, select the "Securities savings" item in the bar at the top of the screen.

Search for securities. You look for the respective share or the respective ETF that you want to save. When you are on the share, click on the "Savings Plan" button in the upper right corner.

Set parameters. First you choose the savings rate you want to invest monthly in the share or ETF, which must be at least €1. (Customers save on average 120€ per share at ING DIBa). Then you choose the month in which you want to start saving for the share or ETF. After that, you choose the savings date, which can be executed monthly / twice a month or quarterly on the 1st or 15th of the month.

ING DiBa savings plan. After you have specified the data, you will get an overview of the selected settings and a list of the costs, which consist of the savings plan rate, purchase costs, commission and sales costs. After that, you only have to click on "Start approval". All savings plans can then be found under Direct securities account under the field "Securities savings" and can be managed there.

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