Share Classes & Expenses

Class A | Class B | Class C

Class A [1] [2]

Equity Funds

Amount of Purchase As a % of the offering price [3] As a % of net asset value
$0–$49,999 5.75% 6.10%
$50,000–$99,999 4.50% 4.71%
$100,000–$249,999 3.50% 3.63%
$250,000–$499,999 2.50% 2.56%
$500,000–$999,999 2.00% 2.04%

Fixed Income Funds

Amount of Purchase As a % of the offering price [3] As a % of net asset value
$0–$49,999 2.50% 2.56%
$50,000–$99,999 2.50% 2.56%
$100,000–$249,999 2.00% 2.04%
$250,000–$499,999 2.00% 2.04%
$500,000–$999,999 1.25% 1.27%

Domestic Index Plus Funds [4]

Amount of Purchase As a % of the offering price [3] As a % of net asset value
$0–$49,999 3.00% 3.09%
$50,000–$99,999 2.50% 2.56%
$100,000–$249,999 2.00% 2.04%
$250,000–$499,999 1.50% 1.52%
$500,000–$999,999 1.00% 1.01%
  • [1] Shareholders that purchased funds that were a part of the Lexington family of funds at the time of purchase are not subject to sales charges for the life of their account.
  • [2] Shareholders that purchased funds that were part of the Aetna family of funds prior to February 2, 1998 at the time of purchase are not subject to sales charges for the life of their account.
  • [3] The term “offering price” includes the front-end sales charge.
  • [4] Excludes the ING Index Plus International Equity Fund.
    A 2.00% redemption fee applies only to Class A shares held less than 365 days for the ING Russia Fund. Redemption includes shares sold or exchanged into another fund. There is no sales charge for purchase of Class A shares of ING Classic Money Market Fund and ING Money Market Fund. However, if Class A shares are exchanged for shares of another ING Fund, there will be a charge for the applicable sales load for that fund upon the exchange.
    Former shareholders of Class M shares of ING Emerging Countries Fund, ING MagnaCap Fund and ING GNMA Income Fund are not subject to sales charges on purchases of Class A shares of the Fund for the life of their account.

Purchases Above $1 Million (Class A Shares)

There is no initial sales charge on purchases of $1,000,000 or more of Class A shares. If shares are redeemed within the time periods listed below, a contingent deferred sales charge (“CDSC”) will be imposed as follows:

Amount of Transaction CDSC [5] CDSC Period
$1,000,000–$2,499,999 1.00% 2 Years
$2,500,000–$4,499,999 0.50% 1 Year
$5,000,000 and over 0.25% 1 Year
  • [5] There is no front-end sales charge for purchases of ING Senior Income Fund Class A common shares in an amount of $1 million or more. However the shares will be subject to a 1.00% Early Withdrawal Charge (EWC) if they are repurchased by the Fund within one year of purchase.

Class B

ING Equity Funds
ING Fixed Income Funds [6] [7] [8]
ING Domestic Index Plus Funds [9]

Contingent Deferred Sales Charge (“CDSC”)

1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr
5.00% 4.00% 3.00% 3.00% 2.00% 1.00% 0.00%
  • [6] The ING Senior Income Fund has a Early Withdrawal Charge (“EWC”) of 3%, 2.5%, 2%, 1.5%, 1.0%, for the 1st, 2nd, 3rd, 4th & 5th year, respectively. After the 5th year there is no EWC. After the 8th year Class B shares convert to Class A shares. Class B shares are closed to new investments. Please refer to the prospectus for details. The ING Senior Income Fund has a 0.25% trail starting in the 1st month. The ING Senior Income Fund has a 0.75% 12b-1 fee.
    Class B shares that were purchased through funds that were part of the Nicholas-Applegate Mutual family of funds at the time of purchase are subject to a different contingent deferred sales charge. Class B shares convert to Class A shares at the end of eight years and trail payments convert to Class A amounts.
  • [7] Investors who exchange shares from other ING Funds will be subject to the other Fund's CDSC Schedule, which may mean that their CDSC will extend beyond the Guarantee Maturity date.
  • [8] Class B shares for the ING Emerging Markets Fixed Income Fund, ING Global Bond Fund, ING GNMA Income Fund, ING High Yield Bond Fund, ING Intermediate Bond Fund and ING National Tax-Exempt Bond Fund are closed to new investments. See prospectus for details.
  • [9] Class B shares in the ING Index Plus LargeCap Fund, ING Index Plus MidCap Fund and ING Index Plus SmallCap Fund are closed to new investments. See prospectus for details. Excludes the ING Index Plus International Equity Fund.

Class C

CDSC 1 Year
Equity Funds 1.00%
Fixed Income Funds [10] 1.00%
Domestic Index Plus Funds [4] 0.75%
  • [4] Excludes the ING Index Plus International Equity Fund.
    A 2.00% redemption fee applies only to Class A shares held less than 365 days for the ING Russia Fund. Redemption includes shares sold or exchanged into another fund. There is no sales charge for purchase of Class A shares of ING Classic Money Market Fund and ING Money Market Fund. However, if Class A shares are exchanged for shares of another ING Fund, there will be a charge for the applicable sales load for that fund upon the exchange.
    Former shareholders of Class M shares of ING Emerging Countries Fund, ING MagnaCap Fund and ING GNMA Income Fund are not subject to sales charges on purchases of Class A shares of the Fund for the life of their account.
  • [10] The ING Senior Income Fund has a 1.00% EWC for the first year starting in the 13th month.