With inbestMe ETFs you will be investing in a careful selection of listed index funds that replicate the performance of the world's best indexes. These funds have been 100% strategically selected to achieve their peak performance in the medium/long term. inbestMe will monitor your plan and if necessary the team of experts will make specific changes to the composition so as to constantly keep to the best strategy.
Our technology will keep your plan balanced, managing your new contributions intelligently, and will apply tax optimization procedures.
The composition of our ETFs portfolios are made up of between 8 and 13 ETFs depending on the investor's profile. However, for each ETF position we use up to 3 equivalent ETFs which, when sold and bought, allow us to do Tax Loss Harvesting(TLH) the portfolio. 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 of your personalised portfolio, we recommend that you complete our brief questionnaire.
|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|
|LYXOR CORE EURSTX 600 DR||LU0908500753|
|SPDR EUR DIV ARISTOCRATS||IE00B5M1WJ87|
|ISHARES S&P 500 EUR-H||IE00B3ZW0K18|
|ISHARES CORE MSCI JAPAN||IE00B4L5YX21|
|ISHARES CORE EM IMI ACC||IE00BKM4GZ66|
|VANG FTSEAPXJ USDD||IE00B9F5YL18|
|ISHARES EUROPE PRPRTY YIELD||IE00B0M63284|
|INVESCO PHYSICAL GOLD ETC||IE00B579F325|
* 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.
|Invested amount||Management||Depositary and trading cost||Average built-in cost of the asset|
|5.000 € a 99.999,99 €||0,45%||0,20%||0,19%|
|100.000 € a 499.999,99 €||0,40%||0,20%||0,19%|
|500.000 € a 999.999,99 €||0,30%||0,20%||0,19%|
|1M € a 4.999.999,99 €||0,25%||0,0955%||0,19%|
|More than 5M €||0,13%||0,0955%||0,19%|
What are ETFs?
An Exchange-Traded Fund or ETF is an investment fund that aims to replicate the performance of a specific index or market. The most popular ETFs are based on indexes, but there are also many based on other asset classes, such as currencies and commodities. An ETF is treated in the regulated markets as a stock, but has the same benefits as a fund in terms of diversification and professional management, even for limited investments.
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.