InbestMe Financial Success Review and Comparison

 InbestMe Review: Earnings and financial success

Are you in search of a secure and lucrative platform for investing in index funds? Do you question whether InbestMe is the optimal choice for expanding your wealth?

In this piece, we will delve into the specifics of what InbestMe provides, its pros and cons, how it stacks up against other comparable platforms, address common inquiries, and assist you in making a well-informed choice regarding your investments. 📈💰

ROBO ADVISOR	MINIMUM INVESTMENT	COMMISSION	ASSESSMENT	PROMOTION
	1.000€	0.65%		15000 € of free management

Inbestme offers a mix of passive and active investment strategies. It offers three distinct plans, each tailored to your initial investment amount, with the investment portfolios being managed by a group of investors.

The investment options include index funds and ETFs, with a total of over 3,000 assets available globally.

Furthermore, InbestMe makes it possible to open accounts from virtually any location globally and in various currencies, a feature not available from other robo advisors.

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What is InbestMe and how does it work?

InbestMe serves as a digital investment advisor, also referred to as a robo advisor in the English language. With InbestMe, investing in the stock market becomes a straightforward, effortless, and affordable process through the investment in index funds and ETFs, all with minimal fees. Additionally, they provide Indexed Pension Plans.
This digital investment management is made possible by employing algorithms, which assess your investment profile and recommend a portfolio that suits your risk level and individual traits, thereby simplifying the investment journey and ensuring your funds are well-managed.
So, why should you trust your investments with InbestMe? The answer lies in their partnership with Interactive Brokers, a reputable broker known for its strong financial stability and global recognition as one of the premier options.

What services does InbestMe offer its users?

In contrast to other firms we've looked at, Inbestme enters the market with the choice to invest in either index funds or ETFs, catering to a variety of profiles.

Index Fund Options

These are the standard passive investment portfolios offered by robo advisors, distinguished by InbestMe's inclusion of sustainable investment funds.

• Inbestme Index Funds: Aimed at long-term success, these funds are available starting from as little as €1,000. You can choose between a conservative portfolio focused on fixed income or a more aggressive portfolio with a higher allocation to variable income. There are 10 profiles available to adjust the portfolio's tilt towards one direction or another.
• Inbestme SRI Index Funds: Similar to the first option, but with an additional focus on socially responsible funds.

ETF Options

• Inbestme ETF: Offers fully passive and diversified portfolios, typically consisting of around 10 ETFs, ensuring long-term diversification across various asset classes.
• Inbestme ETF Dynamic: A variation on the previous option, featuring some active management to mitigate losses during market downturns, aiming to protect the investor from market risks.
• Inbestme ETFs SRI: Portfolios with a strong emphasis on socially responsible ETFs, fully managed with a minimum investment of €15,000.
• Inbestme ETFs Value: Strives for a balance between a preference for value investing without compromising the portfolio's quality, offering reinvestment opportunities, recurring contributions, and periodic rebalancing.
• Inbestme Advanced: Portfolios of ETFs or index funds that can be customized by the investor, requiring an initial investment of €100,000.

Pension Plans

Looking to save for your retirement and benefit from the tax advantages it offers, you can open an indexed pension plan at Inbestme for as little as €250.

Inbestme Savings Account

The newest addition to our offerings is the Inbestme savings account.

This account is designed for individuals who have accumulated savings but prefer not to invest in variable income or their robo advisor, opting instead for a guaranteed return.

This option is your savings account.

What sets this account apart is the ability to invest in two types of accounts: one linked to European interest rates and another to US interest rates.

In summary, we offer:

Types of   service	inbestMe Strategic FI	inbestMe Strategic ETF	inbestMe Go	inbestMe Dynamic	inbestMe Advanced ISR/Value	inbestMe Advanced	Pension Plans
Type of     management	100% passive management in index funds	100% indexed ETF management	100% indexed ETF management for under 25s	50% passive management and 50% active management ETFs	100% ETF index management. Socially responsible.	100% personalized ETF management	100% indexed management with ETFs and index funds
Minimum   investment	1.000 €	5.000 €	3.000 €	10.000 €	15.000 €	50.000 €	250 €
Number of     assets	Between 7 and 113	Between 8 and 11	Between 8 and 11	Between 8 and 12	Between 9 and 11	Between 8 and 11 expandable	–
Commissions	0.37 – 0.76%	0.52 – 0.87%	0.22% up to €5,000	0.62 – 0.87% + 5% success fee	0.70 – 0.95%	1.00 – 1.20%	0.85%

Also, if you register with our link, you will have a welcome promotion of 15,000 euros of FREE management:

ACCESS THE PROMOTION HERE ➔

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What is the procedure for investing at InbestMe?

Opening an account with inbestMe is straightforward. All you need to do is:

1) Complete the assessment provided on this website, allowing inbestMe to understand your investment profile.

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The exam is straightforward (just 10 questions) and should take you no more than 5 minutes to finish. However, it's crucial to outline your risk profile so that inbestMe can suggest the most suitable investment portfolio for you.

Some common questions include:

• Age
• What type of investment are you interested in: mutual funds, retirement plans, or equity-linked savings schemes?
• Income
• Savings
• How much are you willing to invest?
• Past investment history

2) Review your customized portfolio

It's important to remember that the level of risk and variety in your portfolio should match your risk profile. Generally, the inbestMe algorithm is accurate, but it's recommended to thoroughly review it, especially since this aspect is significant. Moreover, you have the option to adjust your portfolio to increase or decrease risk.

3) Set up your account

After selecting the investment portfolio that fits your requirements, you'll only need to go through the account creation process.

You'll need to fill out the agreement completely online, but before that, please send a photo of your ID and a receipt.

4) Deposit your funds and... that's it!

After verifying your identity, your account is open, you can proceed with the deposit. After that, you're done!

As we always suggest, a solid savings-investment strategy involves setting up automatic monthly transfers from your checking account to invest a small sum each month with minimal effort.

€15,000 FREE MANAGEMENT AVAILABLE HERE ➔

Advantages and disadvantages of investing with InbestMe

Advantages

1. It enables you to put your money into both Index Funds and ETFs, as well as Pension Plans.
2. You can register completely online, which includes a very challenging test.
3. You have the option to invest in funds that focus on social responsibility (SRI funds).
4. You can access Index Funds, SRI Index Funds, and Kids Accounts that begin at just €1,000, while Pension Plans and SRI Pension Plans start at €250.

Disadvantages

1. It offers a wide range of options, which might be overwhelming for those seeking a straightforward investment in index funds.
2. The initial investment for ETFs is €5,000.

InbestMe Commissions

The fee InbestMe charges for handling your funds through these options can vary based on the plan selected.

For instance, with the basic Index Funds plan, which is the most popular, the fee structure includes a 0.42% commission from InbestMe, an additional 0.11% from the depositary, and a 0.14% fee from the funds themselves, on average. (These fees will decrease as your contributions grow.)

Bills	F. Indexed	F. ISR	ETF	ETF Dynamic	SRI ETF	ETF Value	Advanced
Management	0.41%	0.41%	0.41%	0.50%	0.55%	0.55%	0.60%
Custody	0.11%	0.11%	0.11%	0.11%	0.11%	0.11%	0.11%
Products	0.13%	0.17%	0.19%	0.19%	0.32%	0.25%	0.25%
Of Success			5%
TOTAL	0.65%	0.69%	0.71%	0.80%	0.98%	1.01%	0.96%

Costs could be slowly lowered as your investment grows.

Composition of investment portfolios

InbestMe crafts investment strategies tailored to the unique characteristics of each investor, utilizing index funds and exchange-traded funds (ETFs) provided by some of the top global asset managers.

The index funds and ETFs employed by inbestMe are categorized into the following asset classes:

• Short-term government bonds of the Eurozone
• Long-term government bonds of the Eurozone
• Corporate Bonds/Non-Government Bonds
• High-yield bonds in Euros
• Bonds linked to inflation
• Bonds issued in the United States in emerging markets
• Stocks of developed market companies, distributed by region
• Stocks of emerging market companies, distributed by region
• Commodities and gold

In terms of the pension plans provided by inbestMe, it's important to highlight that they offer the flexibility to create up to 11 different portfolios, each with a distinct risk profile, by merging two funds: global variable income and global fixed income. This range of options includes portfolios from a purely defensive approach with a focus on fixed income to a more aggressive approach centered around variable income.

Profitability of inbestMe

Besides earning commissions, a key factor to consider when deciding to invest is how profitable the investment will be.

It's important to keep in mind that the returns from previous investments are only historical and don't guarantee future outcomes. Nonetheless, examining InbestMe's track record, it's evident that its investment portfolios have consistently delivered impressive overall returns over the past nine years.

Can you trust InbestMe?

If you're uncertain about the reliability of InbestMe as an investment service provider when you open an account with them, rest assured that it's a reputable entity. It's approved and supported, registered, and regulated by the CNMV with the registration number 272, CIF: A66929613, and is also listed in the Barcelona commercial register as a securities agency.

Moreover, InbestMe investors are covered up to 100,000 euros if the company goes bankrupt, as it is affiliated with the Investment Guarantee Fund (FOGAIN).

The broker for InbestMe, Interactive Brokers, is overseen by the Financial Conduct Authority (FCA) from the United Kingdom. However, the protection doesn't stop there, as investors are also safeguarded with up to $500,000 through the Securities Investor Protection Corporation (SIPC).

Comparison between InbestMe and other investment platforms

ROBO ADVISOR	MINIMUM INVESTMENT	COMMISSION	ASSESSMENT	PROMOTION	WALLET
	1.000€	0.45%		see current promotions	5
	2.000€	0.60-0.63%		15000 € of free management	10
	1.000€	0.63%		12000 € of free management	6
	1.000€	0.65%		15000€ of free management	11
	100€	0.75%		access the offer	-
	150€	0.85%		50 € gift	6

Here is a detailed comparison of the top robo advisors in Spain.

Common Questions

1. What's the smallest amount needed to begin investing with InbestMe?

To begin investing with InbestMe, you need a minimum of €1,000.

2. How does InbestMe figure out my risk level?

Your risk level is determined by a questionnaire that looks at your comfort with risk, financial goals, 

and how long you plan to invest.

3. What are the costs involved with using InbestMe?

It levies a yearly management fee that changes based on the type of account and the amount you invest. 

Fees start at 0.40% and can be lower for larger balances, as detailed above.

4. Can I take my money out whenever I want?

Absolutely, but it's important to remember that some investments might have specific withdrawal deadlines.

5. Does InbestMe promise any kind of return on investment?

It doesn't guarantee any returns, as investments are at the mercy of market fluctuations.

6. What kind of investments are part of InbestMe's portfolios?

InbestMe's portfolios can include a mix of stocks, bonds, exchange-traded funds (ETFs), 

and other financial tools. This information is provided in more detail a few lines back.

InbestMe opinion and conclusion

This stands out as an excellent choice for investing in Spain through robo advisors or

 automated investment managers.

It boasts a broad range of investments, minimal fees, and sophisticated algorithms designed to manage your 

portfolio automatically.

What sets it apart from other alternatives is its focus on socially responsible investing, despite its portfolio 

primarily consisting of ETFs. It also offers unique features, including a strong commitment to socially

responsible investing.

On the flip side, it comes with a few drawbacks, such as a high minimum investment requirement of 

€5,000 for the inbestMe Strategic Plan.

The wide selection of investment plans provided by inbestMe, catering to various risk profiles, 

is a significant advantage for many, offering more choices. However, this also introduces 

complexity, which could be seen as a disadvantage.

Don't miss this opportunity to receive 15,000 EUROS of free management. 

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