Aggressive Bonds

An Aggressive Bonds Portfolio for your short and medium-term goals

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Aggressive Bond Portfolio

Invest in a 100% Fixed Income or Bond portfolio from Index Funds or ETFs with corporate bonds or government bonds. An Aggressive Bonds Portfolio with funds simplifies management and is more fiscally optimal. Our automated bond portfolio is broadly diversified and can give you better returns with controlled risk.

Bonds Portfolio
Aggressive
Mutual Funds

From
5,000 €
  • With the best money market funds
  • The best index bond funds
  • Defer your taxation until withdrawal
  • Portfolio of transferable funds (only for Spanish residents)
  • Coverage: FOGAIN (Spanish Investment Guarantee Fund).
  • National custodian
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Bond Portfolio
Aggressive
ETFs

From
5,000 €/$
  • With the best money market ETFs
  • The best indexed bond ETFs
  • Accumulation ETFs.
  • Option in Euros or Dollar
  • Coverage: SIPC
  • International custodian
Open Aggressive Bond Portfolio in EUR and ETFs
Open Aggressive Bond Portfolio in USD and ETFs

Additionally...

If you tolerate a little more risk, you will qualify for a higher Yield.

Average duration of the bonds in the portfolio around 5 years

Net Yield in EUR IF "Aggressive": 3,73%*
Last update date: 1/12/2024

Net Yield in EUR ETF "Aggressive": 3,81%*
Last update date: 1/12/2024

Net Yield in USD ETF "Aggressive": 4,54%*
Last update date: 1/12/2024

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Returns

The Aggressive Bond portfolio has been designed with long maturities, over 5 years, to maximize the estimated net Yield.

*The published Yield is the current average yield (at maturity) of the money market and bond funds that make up the portfolio weighted by their weight and discounting all the commissions borne by the portfolio, the TER of the funds (0.34% average) , the average management fee (0.35%) and the maximum custody (0.105%).

The Yield is therefore not guaranteed. The profitability that the portfolio actually obtains will be different since the value of the funds may vary depending on the evolution of interest rates and credit risk premiums.

If you want to know the expected profitability of an Atrevida Bond portfolio, we recommend you visit our historical returns page.

Important note: Past returns are no guarantee of future returns. Long-term financial markets generally have a natural upward trend while they can be very volatile in the short term.

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Composition

A Aggressive Bond Portfolio simplifies management and is more fiscally optimal than purchasing T-bills or bonds outright. Our automated bond portfolio is broadly diversified, and designed to maximize returns. The investment committee takes into account the existing rate curve to optimize its distribution. Additionally, in this case, the degree of sustainability of the funds is taken into account in their selection.

It is a combination of money market funds, SRI bonds and green bonds to avoid stock volatility, preserve capital and generate the highest possible return in line with current interests. Although bonds are less volatile than stocks, they are not risk-free.

FundsISINSFDR*
BlackRock ICS Euro Liquidity FundIE00B44QSK78Art. 8
BNP Paribas Funds Sustainable Enhanced Bond 12MLU1819949089Art. 8
DWS Invest ESG Floating Rate Notes LCLU1965928069Art. 8
Goldman Sachs Green Bond Short DurationLU2102358178Art. 9
Pictet-EUR Short Term High Yield I EURLU0726357444Art. 8

*SFDR: It is the acronym Sustainable Finance Disclosure Regulation and it is the EU Sustainable Finance Disclosure Regulation (SFDR). It is a set of EU rules that aim to make the sustainability profile of funds more comparable and better understood by end investors. Article 8: are those that promote social and environmental initiatives alongside traditional results objectives. Article 9: are those with a clearly defined sustainable investment objective.

IMPORTANT NOTE: Please note that the final funds in your portfolio may vary, as our Investment Committee is constantly improving portfolios. To learn more about the distribution of your personalized portfolio, we recommend you take our brief questionnaire.

In the design of these portfolios and in the selection of funds or ETFs, maximum global diversification, the greatest return/risk efficiency and, at the same time, minimizing costs are sought. Sustainability criteria have been explicitly taken into account during its composition. Visit our FAQ on How the Sustainability Level works.

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Costs*

Mutual Funds – Aggressive Bond Portfolio in EUR:
Invested amount Management Depositary and trading cost Average built-in cost of the asset
€1,000 to €4,999.99 0,35% 0,105% 0,28%
€5,000 to €99,999.99 0,35% 0,105% 0,28%
€100,000 to €499,999.99 0,35% 0,105% 0,28%
€500,000 to €999,999.99 0,30% 0,105% 0,28%
€1M to €4,999,999.99 0,25% 0,105% 0,28%
More than €5M 0,13% 0,105% 0,28%
ETFs – Aggressive Bond Portfolio in EUR/USD:
Invested amount Management Depositary and trading cost Average built-in cost of the asset
€1,000 to €4,999.99 0,35% 0,105% 0,19%
€5,000 to €99,999.99 0,35% 0,105% 0,19%
€100,000 to €499,999.99 0,35% 0,105% 0,19%
€500,000 to €999,999.99 0,30% 0,105% 0,19%
€1M to €4,999,999.99 0,25% 0,105% 0,19%
More than €5M 0,13% 0,105% 0,19%
*These costs are already discounted from the published estimated net Yield. Read more about the Yield of Bond Portfolios.

Bond Portfolio
Conservative

From €1,000

Savings Portfolio EUR

From €1,000

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Sometimes money issues are complex. Especially the Aggressive Bond Portfolios have their complexities. Here are some of the most frequently asked questions.

The published Yield is the current average yield (at maturity) of the monetary and bond funds that make up the portfolio weighted by their weight and discounting all the commissions borne by the portfolio, the TER of the funds (0.15% average), the average management fee (0.38%) and the maximum custody (0.11%). The annual return of the portfolio may be different.

No! The Yield is an indication of the weighted annualized return (net of commissions) generated by the portfolio of funds that comprise it and does not have to be the return that the portfolio actually obtains since the value of the funds may vary depending on the evolution of interest rates.

The portfolio is made up of transferable funds and with tax deferral to optimize and delay taxation as much as possible (Spain residents). In the case of withdrawals with capital gains, these will be subject to withholding according to the personal income tax rate. In the case of ETFs, UCITs and accumulation are used so that they are as effective as possible and there are no withholdings on capital gains. You will still have to report your capital gains in your annual return.

The portfolio has been designed with money market and bond funds that generally have less volatility than stocks. Even so, bonds are not risk-free since their value can vary depending on the evolution of interest rates and credit risk premiums. If you want a portfolio with little risk, a savings portfolio may be better for you.

Yes, in all our wallets you can withdraw money and have them available in 5 business days. This portfolio is designed for a horizon of about 3 years or more since, although it has less volatility than a stock portfolio, it is subject to interest rate risks.

If you want a portfolio with minimal risk, we recommend that you consider our Savings Portfolio, which has been designed to have very low volatility.

Other questions about Bond Portfolios:

Read more about Index Funds

How do I transfer my investment funds to inbestMe?

How often do you rebalance my Index Funds portfolio?

For more information, you can consult our Frequently Asked Questions about Bond portfolios.