Returns and more information
inbestMe Pension Plans (updated returns at GVC Gaesco):
Standard Pension Plans
Start preparing your future now and invest in Standard Pension Plans and enjoy the journey
Additionally...
Start your plan now from €250 and take advantage of the usual tax breaks, along with the efficiency of indexing and the low costs of automation. Establish your regular contribution and start writing your story.
From just 0,60% management
inbestMe does not charge for the management of the Pension Plan portfolios, that means the costs in the Pension Plans are not invoiced to the client directly, these commissions are implicit in the pension plans. 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* | Custodial fee | Average cost for other items | Average costs of assets** |
|---|---|---|---|
| 0,60% | 0,10% | 0,11% | 0,15% |
* Management fee shared between GVC Gaesco and inbestMe. ** Average implicit cost of the ETFs that make up the pension plan portfolio (amount resulting from averaging of all profiles; the real amount will vary depending on the plan profile).
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Do you have any question?Do not keep it for yourself,we have the answer.
Sometimes money issues are complex, which is why we designed our Standard 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 pension plan with inbestMe is just €250. Right from the outset, you can schedule regular contributions—monthly, bi-monthly, quarterly, etc.—with 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.
Other questions about Standard Pension Plans:
What are the inbestMe pension plans?
What documentation do I need to open a Pension Plan?
Is there an annual contribution limit to my Pension Plan?
For more information, you can consult our Frequently Asked Questions about Pension Plans.