inbestMe Dynamic is a versatile investment plan composed of ETFs from around the world. Its management combines long-term strategies to take advantage of upward market trends with possible short-term tactics, with a clear objective: To reduce volatility in bear market situations.
Based on intelligent investment models, our team of experts will make periodic adjustments to one part of the portfolio. The other part of the portfolio will maintain the same strategic game plan as inbestMe Strategic.
Our technology will keep the plan balanced, managing your new contributions intelligently, and will apply tax optimization procedures.
Our ETFs Dynamic portfolios are deposited in an Interactive Brokers (IB) account. This account will be opened at your name and will be managed by inbestMe. IB is one of the best qualified brokers in the world, with coverages between 20k € and $500k. Your account will be opened in IB Ireland or IB USA dependening on your country of residence.
Our ETFs Dynamic portfolios are made up of between 8 and 16 ETFs depending on the investor's profile. As all our portfolios, we use Tax Loss Harvesting(TLH) for ETFs Dynamic portfolios. Please, keep in mind that the final funds of your portfolio may vary as our Investment Committee is constantly improving the portfolios. To find out more about the distribution, we recommend discover your personalized plan.
|SPDR BBG 1-3 EURO GOVERNMENT||IE00B6YX5F63|
|ISHARES EURO ULTRASHORT BOND||IE00BCRY6557|
|LYXOR EUR GOVERNMENT BD 3-5Y||LU1650488494|
|AMUNDI FLOT R EUR COR 1-3||LU1681041114|
|AMUNDI FLOAT RATE USD CP-C||LU1681041031|
|ISHARES EURO AGGREGATE||IE00B3DKXQ41|
|ISHARES EURO CORP BND IR-H||IE00B6X2VY59|
|ISHARES GLB CORP BD EUR-H||IE00B9M6SJ31|
|ISHARES USD TREASURY 7-10Y||IE00B1FZS798|
|ISHARES JPM USD EM BND EUR-H||IE00B9M6RS56|
|ISHARES EURO HY CORP||IE00B66F4759|
|INVESCO PREF SHARES DIST||IE00BDVJF675|
|UBS ETF MSCI ACWI H. EUR||IE00BYM11K57|
|ISHARES CHINA CNY BOND USD-D||IE00BYPC1H27|
|iShares MSCI Europe Value Factor UCITS||IE00BQN1K901|
|XTRACKER GOLD ETC EUR HDG||DE000A1EK0G3|
|ISHARES CORE MSCI JAPAN||IE00B4L5YX21|
|ISHARES CORE EM IMI ACC||IE00BKM4GZ66|
|VANG FTSEAPXJ USDD||IE00B9F5YL18|
|ISHARES EUROPE PRPRTY YIELD||IE00B0M63284|
|ISH EDGE MSCI ERP MLTFCTR||IE00BZ0PKV06|
The Dollar portfolio will use similar funds but in $ currency.
IVA included. In addition, for inbestMe ETFs Dynamic accounts, we charge a variable success fee on the performance obtained of 5%, following the guarantee of the HWM (High Water Mark).
|Invested amount||Management||Depositary and trading cost||Average built-in cost of the asset|
|10.000 € a 99.999,99 €||0,50%||0,11%||0,19%|
|100.000 € a 499.999,99 €||0,45%||0,11%||0,19%|
|500.000 € a 999.999,99 €||0,35%||0,11%||0,19%|
|1M € a 4.999.999,99 €||0,30%||0,11%||0,19%|
|More than 5M €||0,15%||0,11%||0,19%|
If you want to find out the historycal returns of our ETFs Dynamic portfolios, please visit our dedicated returns page.
For the combination of strategic and tactical allocation of assets. Through technical means, we seek to reduce the risk of dips during market recessions, and losses for the investor. To achieve this, Dynamic is made up of two parts: one called the core and the other the satellite. The core is managed with long-term objectives and the satellite follows a quantitative model approach. This satellite part is divided into 4 geographic areas and at the end of each month the two areas that show the greatest relative strength are selected.
Your ETF portfolio is held outside of Spain at Interactive Brokers (IB). This means that, in addition to the access to inbestMe, you will have a parallel access to IB and, when your first transfer is complete, you will receive a different username (by email) and password (by SMS) than inbestMe.
Although it is not essential that you enter to start investing, it will be necessary to access IB to: 1) Change the initial temporary password, 2) Record your security questions and 3) Notify your destination bank account in case you request a withdrawal total or partial.
In addition, if you are a resident in Spain, as IB is outside Spain, it will be necessary to present the Form D6 to “Hacienda” and, depending on the invested amount, Form 720.
In the event that any of the points above represents an inconvenience for you, we recommend to Open an Index Funds account.