InbestMe

InbestMe, a Spanish automated investment service, launched in 2017 to provide a digital alternative to traditional banking and investment advisory. The venture was established by Jordi Mercader and Adrià Beso, who brought together their respective expertise in financial markets and technology. Mercader, with a background as a financial advisor and experience managing investment funds, identified a need for more accessible and efficient investment solutions for the average person. This perspective, combined with Beso's technological acumen, formed the foundation of the company.

The firm operates as a robo-advisor, targeting retail investors who seek a streamlined and cost-effective way to manage their savings and investments. Its business model centers on charging management fees based on the assets under management, which vary depending on the investment plan selected by the client. InbestMe has secured regulatory approval from the Comisión Nacional del Mercado de Valores (CNMV) in Spain, which authorizes it to operate within the European economic area.

The core offering is a highly personalized investment platform that utilizes low-cost, globally diversified Exchange-Traded Fund (ETF) portfolios. Clients begin with an online assessment to determine their risk tolerance and financial objectives, which the platform's algorithm uses to construct a suitable portfolio. InbestMe provides a range of investment strategies, including socially responsible investing (SRI) options, portfolios with dynamic adjustments, and thematic portfolios focused on specific megatrends like the digital economy or sustainability. The service automates key investment processes such as portfolio rebalancing and tax-loss harvesting, aiming to optimize the net returns for the investor. A key feature is the flexibility it offers, allowing clients to customize their portfolios beyond the initial recommendation, a characteristic that differentiates it from some more rigid robo-advisor models.

Keywords: robo-advisor, automated investing, wealth management, personal finance, portfolio management, ETF investing, financial technology, investment services, socially responsible investing, asset management