Your money deserves the highest security: Make safe investments with inbestMe

Independent custodian

inbestMe opens an individualized and personalized account for the client at Interactive Brokers (for ETF portfolios) and at GVC Gaesco (for Index Fund portfolios). Both act as operating and custody platforms of the client’s positions. The clients maintain control of their accounts at all times. For the duration of the management remit, inbestMe is authorized to manage the client’s assets as per the profile selected.


We are completely independent in choosing the best assets to manage our clients’ portfolios. This selection is made only with criteria of efficiency. The assembly of the portfolio is carried out with the aim of obtaining the greatest diversification that will guarantee optimization of the distribution of assets to maximize the return/risk ratio. We diversify not only by asset classes and regions, but also by providers of the different assets (Index Funds and ETFs).

Supervision and control

nbestMe is a securities agency regulated by the CNMV, the body in charge of supervising and inspecting the Spanish securities markets and the activities of all those involved. The objective of the CNMV is to ensure the transparency of the Spanish securities markets and proper pricing, as well as the protection of investors. inbestMe is registered with the CNMV under number 272 and reports regularly as established by this official body.

Your account is protected with the maximum coverage on the market

Dependiendo del tipo de cartera disfrutarás de hasta 3 tipos de coberturas.

inbestMe coverages

What coverage would come into play if inbestMe ceased its activity?
In the event that inbestMe ceases its activity, your invested positions will not be affected. Why? Because inbestMe does not safeguard your Index Funds, Pension Plans or ETFs. By investing with inbestMe you sign a discretionary portfolio management contract in which inbestMe becomes the portfolio manager. For this reason, if inbestMe ceases its activity, your invested assets will not be affected. Rather, you would no longer have the figure of a portfolio manager, and you would have several options: find another manager, manage your portfolio yourself or withdraw your investment and make it cash. Regarding the custodian of your Index Funds, Pension Plans or ETFs, inbestMe uses different entities depending on the type of asset. In the case of Index Funds and Pension Plans, inbestMe works with GVC Gaesco. And, in the case of ETFs, inbestMe works with Interactive Brokers Ireland (for ETF accounts of European residents) and Interactive Brokers USA (for ETF accounts from the rest of the world).

Index Funds coverages

What coverages does the cash held in BBVA inbestMe’s account have for its Index Funds customers?

Up to €100,000 per customer. n the case of Index Funds portfolios, there is a small percentage of capital (around 1%) that is held in cash in a BBVA account in inbestMe’s name. What would happen to this cash if inbestMe ceased its activity? In this case, the coverages offered by Fogain would come into action: €100,000 per customer.

What would happen to my Index Funds if GVC Gaesco went out of business?

In the case of your positions invested in Index Funds, these are recorded in an internal register within the omnibus account that Allfunds Bank (platform used for contracting funds) maintains in each funds manager. In the event that GVC Gaesco ceases its activity, under the supervision of the corresponding regulator, another custodian entity would be sought to transfer the funds so that you could continue with your investment portfolio .

ETFs coverages

What would happen if Interactive Brokers went out of business?
The answer depends on whether we are talking about your cash or your invested positions.
  • In the case of you invested positions (ETFs), these are recorded in an internal register within the omnibus account that IB maintains in each manager. In the event that IB ceases its activity, under the supervision of the corresponding regulator, another custodian entity would be sought where to transfer the ETFs so that you could continue with your investment portfolio.
  • In the case of cash held in IB, this, as it is a capital held in Interactive Brokers’s name (either in its branch in Ireland or in the United States*), it would be necessary to cover it with one of the 2 agencies that each headquarters of IB have. In the case of IB Ireland, the cash would be covered by the ICCL up to 90% of its total with a maximum of €20,000 and, in the case of IB USA, the cash would be protected by the SIPC up to $500,000.
In the case of ETF portfolios, the custodian where the securities account is opened in the client’s name is Interactive Brokers. Depending on the country of residence, the securities account will be opened with IB Ireland (residents of a member state of the European Union) or IB LLC USA (all other countries where we can offer the service).

Invest with peace of mind

inbestMe uses the most secure encryption available. We store all information on secure servers. We carry out systematic processes to ensure proper safeguarding of information. Your privacy is assured. Hence, for certain critical activities (transfers, signing of contracts, relevant data changes) we generate unique validation codes to double the security of the processes.

Important notice

The coverage expressed here only act in the event of bankruptcy of the custodians, agencies and those involved in the management and transactions of the client’s account. 100% secure investments do not exist. All investment involves risk and is subject to possible losses. These coverages do not guarantee the value of the investment. Markets are, in the short term and by definition, volatile. Returns and risk are unfailingly associated: but the portfolios we build at inbestMe are very broadly diversified and have been studied to optimize the profitability/risk ratio. In the long term, risk tends to decrease since the markets have a natural upward trend. It is essential that the potential investor fills in the questionnaire in order to obtain recommendation for their ideal profile.