Socially Responsible Investment style
An indexed pension plan with a high level of sustainability score and with the same advantages and tax breaks as a traditional pension plan. Why indexed? Because it is a portfolio composed of the best SRI and impact ETFs on the market. inbestMe will manage the portfolio for you so that over the years you can forget about changing your plan, as it will automatically modify it according to your horizon. Thanks to the combination of indexed equities and fixed income, we can create up to 11 plans to adapt your plan to your investor profile. All this with very low costs of -50% compared to traditional plans.
Start saving on your tax return with the ISR pension plan from €250 and take advantage of the same tax benefits as always, with the efficiency of indexation and the low costs of automation. You can transfer your plan from another entity to inbestMe without any cost or tax impact in a simple and easy way in just a few minutes.
Find out about the returns of the 2 pension plans that, combined, form the inbestMe SRI Pension Plans portfolio.
The inbestMe Fixed Income P.P. with DGS code nºN5350 fund has a risk level of 4/7 and invests in fixed income Collective Investment Schemes (CIS) with a global exposure with the objective of long-term performance. It is the same fund as the one used in the standard pension plan and incorporates a small degree of SRI ETFs in its distribution. Its performance at the close of 05/31/2023 was:
| 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 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 SRI Equity Income P.P. with DGS code no. N5392 has a risk level of 6/7 and is designed for investors with determined profiles who want to do their bit for a better society and planet. They are looking for good long-term returns through socially responsible ETFs with a high degree of diversification and low cost. Its performance at the close of 05/31/2023 was:
| 1 Month | 1 Year | YTD | Yearly | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Plan SRI E.I. | 2.2% | 1.3% | 7.4% | 7.4% | 21.5% | 9.6%* |
* 2020 performance obtained from a backtest and is net of all fees (net of 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 SRI 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. Our intention is that the cost of the plan will be adjusted as the Plan acquires greater volume. This table shows the average cost, as the final cost will depend on the investor profile (see further information), and the breakdown is as follows:
| Management fee* | Deposit cost | Average cost for other items | Average cost of assets** |
|---|---|---|---|
| 0,60% | 0,10% | 0,11% | 0,22% |
* 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).
Minimum amount and regular contributions
The minimum amount to start your SRI pension plan with inbestMe is just 250€. You can also start your plan by transferring your current pension plan from another entity to inbestMe. You can schedule a regular contribution (monthly, bi-monthly, quarterly, etc.) of a minimum amount of €50. And, if at any time you need to cancel your contribution, you can do so without any problem, they are not mandatory. Currently, the maximum amount allowed for individual pension plans is €1,500 per year.
Can I transfer my current Pension Plan from another entity 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.
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.