SRI Pension Plans

Improve your returns by investing responsibly in an SRI Pension Plan

Additionally...

Start saving on your tax return with the ISR pension plan from €250 and take advantage of the usual tax benefits, 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 a few minutes.

Returns and more information

Know the returns of the 2 pension plans that, combined, make up the inbestMe Pension Plan portfolio.

Fixed Income Pension Plan

The inbestMe Fixed Income P.P. with DGS code nº N5350 fund has a risk level of 4 and the objective is to achieve long-term performance by investing in fixed income Collective Investment Schemes (CIS) with global exposure. Its return at the close of 03/31/2024 was:

1 Month 1 Year YTD Yearly 2021 2020
Plan F.I. 0,3%

2,7%

-0,6% 0,8% -1,8% 3,5%

* Performance is net of all fees (net of the maximum management fee). Past returns are not a guarantee of future returns. 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.

Pension Plan SRI Equity Income

inbestMe SRI Equity Income P.P. with DGS code no. N5392, it 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 seek good long-term profitability through socially responsible ETFs with a high degree of diversification and low cost. Its profitability at the close of 03/31/2024 was:

  1 Month 1 Year YTD Yearly 2021 2020
Plan SRI E.I. 0,5% 15,8% 4,9% 8,1% 21,5% 9,6%

* 2020 performance obtained from a backtest and is net of all fees (net of maximum management fee). Past returns are not a guarantee of future returns. 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.

From just 0,60% management

inbestMe does not charge for the management of the ISR Pension Plans portfolios, that means the costs of the Pension Plans are not invoiced to the client directly, these commissions are implicit in them. Our intention is that the cost of the plan will be adjusted as the Plan acquires more volume. This table shows the average cost, as the final cost will depend on the investor profile (see more information), and its breakdown is:

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 of the ETFs that make up the ISR pension plan portfolio (amount resulting from averaging of all profiles; the actual amount will vary depending on the plan profile).

Do you have any question?
Do not keep it for yourself,
we have the answer.

Sometimes money-related issues are complex, which is why we designed our ISR Pension Plan to be as easy to understand as possible. Here are some of the most frequently asked questions.

Minimum amount and regular contributions

The minimum amount to start your SRI pension plan with inbestMe is only €250. You can also start your plan by transferring your current pension plan from another entity to inbestMe. You can schedule a periodic contribution (monthly, bimonthly, quarterly, etc.) of a minimum amount of €50. And if at any time you need to cancel your contribution, you can do it without any trouble: they are not compulsory. Currently, the maximum amount allowed for individual pension plans is €1,500 per year.

Will I get a gift or discount for opening a pension plan with inbestMe?

Some institutions may offer you gifts and discounts for transferring your pension plan. But nothing comes free. If on the one hand they offer you a gift, on the other they will likely be charging you. That is why our pension plans do not feature those promotions. We prefer to offer the lowest possible costs, and then you can do with your money what you think is best.

Can I transfer my current Pension Plan to inbestMe?

Yes, you can.

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? ince 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.

Who can open a Pension Plan?

Anyone with a Spanish DNI or NIE.

Anyone with a Spanish DNI or NIE can open a pension plan with inbestMe, whether or not they are a Spanish resident. At the moment, our pension plans are not available for companies.