Start now and enjoy the journey
Welcome to your new pension plan. Why new? It's new because it's a portfolio managed for you by inbestMe. So you needn't think any more about changing your plan as your horizons change over the years. New because it includes indexed variable income, which combined with fixed income allows for up to 11 plans to adapt yours to your investment profile. New because of its low costs. New because starting it is practically child's play.
Start your plan now from €250 and take advantage of the usual tax breaks, along with the efficiency of indexing and the low costs of automation. Establish your regular contribution and start writing your story.
inbestMe pension plan is a portfolio that combines two pension plans: a fixed income pension plan and a pure equity pension plan, which integrate and follow all inbestMe investment principles. By combining both plans, we obtain up to 11 different pension plan portfolios.
The inbestMe Fixed Income P.P. with DGS code nº N5350 fund has a risk level of 4 and the objective is to achieve long-term performance by investing in fixed income Collective Investment Schemes (CIS) with global exposure. The fund's closing performance at 05/31/2023 is:
| 1 Month | 1 Year | YTD | Yearly | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Plan F.I. | 0,4% |
-2,4% |
0.9% | 0.6% | -1.8% | 3.5% |
* Performance is net of all fees (net of the maximum management fee). Past performance is no guarantee of future performance. Short-term markets can be very volatile (volatility is a measure of risk), in the long term, the trend of a highly diversified global portfolio is upward.
See full details of inbestMe Fixed Income P.P.
The inbestMe Equity Income P.P. with DGS code number N5349 Fund has a risk level of 6 and is designed for investors with a more determined profile, who seek high long-term returns through low-cost ETFs. The fund's closing performance at 05/31/2023 is:
| 1 Month | 1 Year | YTD | Yearly | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Plan E.I. | 1.4% | 1.2% | 6.1% | 6.7% | 21.8% | 1.8% |
* Performance is net of all fees (net of the maximum management fee). Past performance is no guarantee of future performance. Short-term markets can be very volatile (volatility is a measure of risk), in the long term, the trend of a highly diversified global portfolio is upward.
See full details of inbestMe Equity Income P.P.
The costs in the Pension Plans are not billed directly to the client, these commissions are implicit in the pension plans. This table shows the average cost, as the final cost will depend on the investor profile, and its breakdown is:
| Management fee* | Deposit cost | Average cost for other items | Average cost of assets** |
|---|---|---|---|
| 0,60% | 0,10% | 0,11% | 0,15% |
* Management fee shared between GVC Gaesco and inbestMe. ** Average implicit cost (amount resulting from averaging of all profiles; the actual amount will vary depending on the plan profile).
See more details on costs in the FAQs on inbestMe Pension Plans Costs.
Discover our portfolio of Socially Responsible Pension Plans (SRI) with a very high degree of sustainability. A pension plan with the same tax advantages as a traditional plan, but investing in ESG (Environment, Social, and Governance) style funds and positive impact funds that follow sustainable development objectives promoted by the United Nations.
Minimum amount and regular contributions
The minimum amount to start your pension plan with inbestMe is just €250. Right from the outset, you can schedule regular contributions—monthly, bi-monthly, quarterly, etc.—with a minimum amount of €50. And if at any time you need to cancel your contribution, you can do it without any trouble: they are not compulsory. Currently, the maximum amount allowed for individual pension plans is €1,500 per year.
What advantages does a pension plan portfolio offer over a pension plan?
With inbestMe, you will have a portfolio of pension plans instead of one, single pension plan. What are the advantages? Since it is a portfolio managed by inbestMe, you will not have to worry about keeping your plan adjusted to your needs as the years go by. inbestMe will keep the portfolio adjusted to your investment profile and, if your personal situation changes, we will lower—or raise—the profile ourselves so you don't have to find another fund that fits your new situation. In short, a plan for life.
Can I transfer my current Pension Plan to inbestMe?
Yes, of course. You will need to order the transfer of your current Pension Plan from inbestMe. To do this, you will need to start the procedure of opening an account, at the end of which you can decide to transfer your current Pension Plan.
Will I get a gift or discount for opening a pension plan with inbestMe?
Some institutions may offer you gifts and discounts for transferring your pension plan. But nothing comes free. If on the one hand they offer you a gift, on the other they will likely be charging you. That is why our pension plans do not feature those promotions. We prefer to offer the lowest possible costs, and then you can do with your money what you think is best.