inbestMe’s portfolio offering exceeds 150 possible combinations, considering portfolio types, asset types, risk profiles, investment styles, and currency.
At inbestMe, we have been publishing the historical performance of our portfolios for years with a very specific goal: to help understand how different investment strategies behave over time.
Now we have taken a further step.
We have not only improved the design and visual clarity of this page; we have also evolved our historical performance page and turned it into an indexed portfolio comparator.
The main innovation is the ability to make direct comparisons between portfolios under homogeneous criteria, avoiding partial or biased analyses.
Given the number of available combinations —more than 150 indexed portfolios— and not knowing any other service with this level of breadth and detail, we believe this is the most complete indexed portfolio comparator in Spain (and probably in the world), allowing comparison of risk profiles, asset types, portfolio types, investment styles, and currency.
Below we show these features in more detail and why they may be useful for investors.
1. Compare Risk Profiles
The most common comparison is by risk profile.
The comparator allows you to see, in the same chart, the evolution of a conservative portfolio versus a more aggressive one.
In the following chart, a profile 9 is compared with a profile 7 of our index fund portfolios.
This clearly shows (profile 9 vs 7):
- How annualized return (TAE) increases when taking more risk: 8.5% vs 6.6%.
- How volatility (11.6% vs 9.7%) and maximum losses (-29.4% vs -24.7%) increase.
- The real long-term difference: accumulated return of 110.4% vs 79.1%, provided you can handle higher volatility and a long time horizon.
2. Compare by Asset Type
At inbestMe, we build portfolios mainly with two types of assets: index funds and ETFs (noting that pension plans are built with ETFs).
The comparator allows comparison by asset type.
For example, below we compare the same profile 7 based on the two asset types.
Both portfolios are conceptually similar. But ETF portfolios have an allocation to gold.
Over the long term, TAE is very similar, slightly higher in index funds 6.6% vs 6.1%.
Until 2022, gold had not contributed to returns; in fact, it had subtracted return, while in 2025 gold was decisive in adding 4.2 percentage points of return for this profile.
Other metrics, like Sharpe ratio 0.56/0.59, volatility 9.7% vs 8.9%, and maximum losses around -25% are very similar.
3. Compare by Portfolio Type
Beyond the specific asset, the comparator allows analysis of different portfolio types, built with different philosophies and combinations.
Next, we see how our savings portfolio, almost a straight line (0.5% volatility) that has accumulated +8.2% since inception, is radically different from a profile 7 index fund portfolio that accumulates +33.7% (period restricted from 12/1/2022, start of the Savings Portfolio).
This additional return is not “free.” While the savings portfolio practically has no risk, with 0.5% volatility and no maximum loss, the profile 7 index fund portfolio has to withstand 9.7% volatility and has experienced a maximum loss of -24.7% (Covid period), designed for radically different goals: the first for immediate savings or emergency fund, the second to accumulate capital and clearly outperform inflation long-term.
A subtler comparison is between a savings portfolio and a bond portfolio:
With a prudent bond portfolio, clients have achieved annualized returns up to 3.4%, taking very little additional risk (0.7% vs 0.5% volatility, maximum loss -0.2%).
4. Compare by Investment Styles
One of the comparator’s most powerful features is comparing investment styles.
A frequent question these days is about Indexed Socially Responsible Investing (ISR).
As seen in the chart, performance since inception is very similar. Currently, the standard version leads with 79% accumulated return (6.6% TAE) vs 70% (6.0% TAE) for the ISR version.
Temporal analysis shows a clear rotation between styles: between 2020–2022 ISR outperformed relatively, while in the last two years it has clearly lagged behind the standard version.
This reminds us that if the investor is unwilling to accept these differences at certain points of the cycle, their sustainability convictions are probably not strong enough to sustain a long-term ISR strategy.
The next chart compares standard style profile 10 with value profile 10.
inbestMe’s ETF value portfolios led in 2025 with a maximum return of 21.5%, but the value style is still years behind.
5. Compare by Currency
inbestMe offers a (more limited) range of dollar-denominated portfolios.
The comparator allows comparison of equivalent profiles in EUR/USD.
In general, dollar portfolios have accumulated better returns, and 2025 is no exception.
In the right-hand chart, a profile 10 accumulates +139% in dollars vs +119% in euros. In lower profiles, the relative differences are even larger: in profile 4, dollar portfolio return (+76.9%) nearly doubles the euro version (+38.9%).
Sharpe ratio, however, is equalized or even better for some euro portfolios.
Complete Metrics
Dive as deep as you want.
In all comparisons, analysis is not limited to accumulated return.
The comparator shows, since inception of each portfolio:
- Accumulated return
- Annualized return (TAE)
- Volatility
- Sharpe ratio
- Maximum loss
Beyond returns, the last three metrics provide context and help compare with other portfolios you may hold elsewhere.
For personalized comparison, we recommend using our recently improved fund comparator.
You can also see a summary table showing the last three years’ returns, accumulated returns, and TAE differences.
Data Download Options
The tool allows downloading data in Excel to analyze as needed, or PDF for attaching/sharing.
Need to compare more than two portfolios: multi-comparator?
Internally, inbestMe uses an advanced multi-comparator allowing simultaneous analysis of multiple portfolios under the same transparent, homogeneous approach.
In the chart above, 6 portfolios are compared.
Over the long term, higher profiles accumulated more return, up to 148.6% / 10.5% TAE (January 2026 close), but also endured more volatility and drawdowns. The general rule: to get more return, you must take more risk.
For more complex analysis or specific multi-portfolio comparisons, contact us and we’ll analyze it with you.
Transparency and Analysis, Not Promises
RentaPast performance is not a guarantee of future returns.
This comparator is not designed to choose “the best portfolio.”
It is designed to:
- Understand the risk taken
- Visualize real historical performance, in most cases 8 years (2017–2025)
- Make better-informed decisions aligned with objectives and risk profile
Investing well is about understanding data, context, and consequences, not predicting the future; your goals, horizon, and risk tolerance are most important.
We hope this tool helps.
Discover your best plan.
ANNEX: Important note applicable to all charts
