inbestMe SRI Index Funds | Socially responsible funds

Invest with Socially Responsible Indices

Invest in an Index Fund portfolio with mainly of socially responsible funds (SRI/ESG). Your portfolio will have between 90% and 100% SRI funds depending on your investment profile and invested amount. The portfolio is composed of funds that exclude controversial industry, filter the best companies by ESG score and include positive impact investing.

From €1,000
Just 0.41% max. management fee
High diversification

In Spain, natural persons can transfer from fund to fund with no tax penalties, that is, tax may be deferred until the time of reimbursement. inbestMe will take care of your plan keeping it in line with your profile and processing your new contributions. Invest according to your values with all the advantages of inbestMe: personalization, diversification and low costs with access to the bests classes.

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Composition

The composition of our SRI Index Funds portfolios depends on the invested amount. Please, keep in mind that the final funds of your portfolio may vary as our Investment Committee is constantly improving the portfolios.

For our portfolios of less than €5,000, we combine 2 of the 4 following funds:

Funds	ISIN	Article
Vanguard Global Short-Term Bond Index Fund - Institutional Hedged Accumulation (EUR)	IE00BH65QP47	6
Vanguard Global Bond Index Fund EUR Hedged Accumulation	IE00B18GC888	6
Amundi Index MSCI World SRI	LU1861133145	8
Amundi Index MSCI Emerging Markets SRI	LU1861137724	8

For our portfolios from 5,000 euros, we use up to 13* funds:

Funds	ISIN	Article
Vanguard Global Short-Term Bond Index Fund - Institutional Hedged Accumulation (EUR)	IE00BH65QP47	6
Vanguard Global Bond Index Fund EUR Hedged Accumulation	IE00B18GC888	6
iShares Green Bond Index Fund (IE)	IE00BD0DT578	9
Amundi Index Barclays Euro AGG Corporate SRI	LU1050468989	8
Vanguard U.S. Government Bond Index Fund - Institutional Accumulation EURO-HEDGED	IE0007471471	6
Vanguard Eurozone Inflation-Linked Bond Index Fund Investor Shares	IE00B04GQR24	6
iShares Emerging Markets Bond Index I2 Euro Hedged	LU1373035663	6
DWS Floating Rate Notes LC	LU0034353002	6
Amundi Index MSCI World SRI	LU1861133145	8
Amundi Index MSCI Global Climate Change	LU1437020909	9
BlackRock Global Impact Fund I EUR Hedged	IE00BLJP7H80	9
Amundi Index MSCI USA SRI (Euro Hedged)	LU1861134978	8
Amundi Index MSCI Emerging Markets SRI	LU1861137724	8
Vanguard SRI European Stock Fund EUR Institutional Accumulation	IE00B526YN16	8

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EU SFDR Regulation 2019/2088

In March 2021, EU Regulation 2019/2088 (SFDR) on sustainability disclosures in the financial services sector came into force to aid transparency of sustainability information. This regulation obliges major investment managers to classify their funds in 3 articles:

Article 6: Funds without sustainability objectives.
Article 8: Funds promoting social and environmental initiatives alongside traditional performance objectives.
Article 9: Funds with explicit sustainability objectives.

Our SRI Index Funds portfolio has 5 funds included in article 8 and 3 funds in article 9, making it one of the leading portfolios in the Spanish market with the best sustainability criteria.

How do Sustainability scoring work?

The sustainability rating is a way of measuring the ESG score and how sustainable our investments are. ESG (environmental, social and governance) risks and opportunities can vary by industry and company. The sustainability of our SRI Index Fund portfolios is XAA+++. This SRI rating follows the model:

CCC - AAA → Indicates the ESG score of the fund.
X → Indicates that the fund excludes the industries in question.
+, ++ o +++ → Indicates that the fund includes positive impact investment and its grade.

The ESG scores of the funds are classified as follows:

Rentabilidad inbestMe hom

Laggard

A company lagging its industry based on its high exposure and failure to manage significant ESG risks

Rentabilidad inbestMe hom

Average

A company with a mixed or unexceptional track record of managing the most significant ESG risks and opportunities relative to industry peers

Rentabilidad inbestMe hom

Leader

A company leading its industry in managing the most significant ESG risks and opportunities

Invest with low costs

IVA included. Up to 85% less than traditional services.

Invested amount	Management	Depositary and trading cost	Average built-in cost of the asset
1.000 € a 4.999,99 €	0,41%	0,105%	0,17%
5.000 € a 99.999,99 €	0,41%	0,105%	0,21%
100.000 € a 499.999,99 €	0,38%	0,105%	0,21%
500.000 € a 999.999,99 €	0,30%	0,105%	0,21%
1M € a 4.999.999,99 €	0,25%	0,06%	0,21%
More than 5M €	0,13%	0,06%	0,21%

Returns

If you want to find out the historycal returns of the Index Funds SRI portfolio visit our dedicated returns page.

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inbestMe Index Funds SRI
Further information

What is socially responsible investment?

Socially responsible investment is that which, apart from prioritizing the return on an asset, also takes into account its impact on society and the environment. For example, priority is given to those companies that protect human rights and equality at work or also for that companies who do not promote practices that are harmful to society, such as smoking, alcoholism or gambling.

What is the advantage of investing in an ISR portfolio?

The great advantage of investing in an ISR-style portfolio over an ISR investment fund is that, through a portfolio, this style can be adapted to the client's investment profile. If the client's investor profile changes, inbestMe will be able to automatically modify the portfolio to suit the new profile and the client will not have to look for a new fund that fits their new profile.

What percentage of ISR Indexed Funds will my portfolio have?

The percentage of SRI funds will depend on the amount invested and your investor profile. In the case of portfolios of €5,000 or more, these are made up of up to 11 funds and the percentage of socially responsible funds ranges from 46%, for an investor profile of 1/10, to 97% for an investor profile of 10/10. In the case of portfolios in the temporary situation below €5,000, these are made up of 2 funds and the percentage ranges from 10%, for an investor profile 1/10, to 100% for an investor profile 10/10.

How do I transfer my investment funds to inbestMe?

How are often rebalances applied to my Index Funds portfolio?

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