Write your story

Start preparing your future now with inbestMe Pension Plans. From €250.

Open an inbestMe Pension Plan

Start now and enjoy the journey

inbestMe Pension Plans
A different pension plan, low on commissions

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.

  • We accept the transfer of your current plan
  • Broad diversification
  • Better returns

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.


Learn about our portfolio of Pension Plans

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.

Pension Plan Fixed Income

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 09/30/2021 is:


  1 Month 1 Year YTD Annualised 2020
Plan F.I. -0,2%


-2,8% 1,1% 1,7%


See full details of inbestMe Fixed Income P.P.


Pension Plan Equity Income

The inbestMe Equity Income P.P. with DGS code nº 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 09/30/2021 is:


  1 Month 1 Year YTD Annualised 2020
Plan E.I. -2,6% 28,6% 16% 9,7% 6,6%


See full details of inbestMe Equity Income P.P.


From just 0,60% management

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.

inbestMe Pension Plans, further information

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 €250. And if at any time you need to cancel your contribution, you can do it without any trouble: they are not compulsory.

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.

Learn more about pension plans