inbestMe

inbestMe is a Spain-based discretionary portfolio manager (robo-advisor) that builds and maintains diversified portfolios using UCITS index instruments, offering standard and socially responsible (ISR/ESG) options, index-fund portfolios that can qualify for Spain’s traspaso tax deferral, ETF-based portfolios without tax deferral, savings portfolios oriented to short-term instruments, and pension plans; clients complete a risk questionnaire and are mapped to a risk level across a range from very conservative to high equity exposure, with ongoing automated rebalancing and periodic drift controls rather than client-directed trading. The firm is regulated in Spain and operates with third-party custodians/depositaries where client assets are held separately from the firm’s own balance sheet; investor protection frameworks apply at the custodian level, while market risk remains with the client. Pricing is tiered by balance and product type: management fees are published on a sliding scale and are charged in addition to underlying fund/ETF expense ratios and custody/transaction costs; the all-in annual cost for most portfolios typically falls in a broad range around the mid–to–upper tens of basis points to about 1% depending on configuration and size. Minimum investments apply and vary by product, with lower thresholds for pension plans and higher for certain managed portfolios; funding is generally via bank transfer with optional recurring contributions. Portfolios are globally diversified across equities and fixed income, may include currency-hedged fixed income exposures, and use accumulating or distributing share classes depending on availability; tax treatment depends on the wrapper and the investor’s fiscal residency. The service provides digital onboarding, portfolio monitoring, and reporting in a web platform and app, with support in Spanish and English.