inbestMe Dynamic is a versatile investment plan made up of ETFs from all over the world. The game plan combines long-term strategies with short-term tactics, with a clear objective: reducing volatility and taking advantage of bull market trends.
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 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|
|SPDR EUR DIV ARISTOCRATS||IE00B5M1WJ87|
|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|
* All these funds are those used by inbestMe, but this does not mean that they are all in your portfolio, as this will depend on your profile. Therefore, we recommend that you take our brief questionnaire to find out your personalised portfolio. In 2 minutes you will be able to see the funds used in your portfolio, the percentage and amount that you will be invested in each one of them. 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 €||0,55%||0,20%||0,19%|
|100.000 € a 499.999,99 €||0,50%||0,20%||0,19%|
|500.000 € a 999.999,99 €||0,40%||0,20%||0,19%|
|1M € a 4.999.999,99 €||0,30%||0,0955%||0,19%|
|More than 5M €||0,15%||0,0955%||0,19%|
Why choose inbestMe ETFs Dynamic
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.
Things to consider when opening an ETF portfolio
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.