Portfolios managed with 1 or 2 pension plans
At inbestMe we have created 3 Pension Plans that are combined to offer up to 11 profiles and 2 investment styles.
For example, the most conservative plan (profile 0) will be made up of 100% of the RF fund; the medium plan (profile 5) will have 50% of the RF fund and another 50% of the RV fund; and, the most determined plan (profile 10) will be made up 100% of the RV fund. Additionally, you can choose between two styles (Standard / Socially Responsible Investment).
- Details of the inbestMe Variable Income Pension Plan. The inbestMe Variable Income Pension Plan (DGS Code N5349) is a fully indexed fund made up of 9 ETFs from the best managers (Vanguard, Amundi, UBS, Lyxor...). The criteria for selecting the ETFs that make up the fund have been mainly 3: low costs, index tracking efficiency and global diversification. It has been proven that high costs are synonymous with poor long-term results, which is why we have chosen those assets with the lowest costs without compromising efficiency and diversification. Another of the most common mistakes when investing is geographic bias. Many investors tend to concentrate their investments in their country of origin, thus making a diversification error. inbestMe seeks to diversify funds as much as possible in order to protect clients from countries that may enter a recession.
- Details of the inbestMe Fixed Income Pension Plan. The inbestMe Fixed Income Pension Plan (DGS Code N5350) is a plan that, being classified as mixed fixed income, has a conservative risk profile, being very prudent and its exposure to variable income limited. inbestMe Fixed Income Pension Plan can invest up to 30% of assets in national and international equities tactically, although it has normally never exceeded 5%; The remaining 70% will be invested preferably in fixed income, both public and private, and in money markets, preferably in euros, but not ruling out any other of the main currencies. The distribution of the fund's assets is not limited by economic sectors. Rather, investments will be made in those securities that offer, in the opinion of the management company, the best risk-return profile over a medium and long-term horizon. The Fund plans to use derivatives, both fixed income and variable income, either as coverage of cash positions or as a complement and investment position.
- Details of the inbestMe Variable Income SRI Pension Plan. The inbestMe Variable Income ISR Pension Plan (DGS Code N5392) is a fully indexed fund made up of 10 ETFs from the best managers (Vanguard, Amundi, UBS, Lyxor...). The criteria for selecting the ETFs that make up the fund have been mainly 4: low costs, index tracking efficiency, high level of ESG score and guaranteeing maximum global diversification and including impact ETFs. It has been proven that high costs are synonymous with poor long-term results, which is why we have chosen those assets with the lowest costs without compromising efficiency and diversification. Another of the most common mistakes when investing is geographical bias. Many investors tend to concentrate their investments in their country of origin, thus making a diversification error. inbestMe seeks to diversify funds as much as possible in order to protect clients from countries that may enter a recession.
The rebalancing of the plans is carried out when there is a deviation of more than 3% with respect to the original distribution.
The inbestMe pension plans have been created with the collaboration of GVC GAESCO. inbestMe acts as an advisor to the three plans, choosing the composition and distribution of each fund and entrusting GVC GAESCO with its management.
You can read more about our Pension Plan methodology.