Discretionary Portfolio Management

Global diversification.
Low costs.
Expert oversight.

Pinvest offers investment solutions designed to help each investor reach their financial goals with ease. The managed model portfolios are designed based on solid principles: strategic allocation, efficient diversification, and minimal costs.

What is a managed model portfolio?

It is a structured combination of assets —such as stocks and bonds— selected and overseen by professionals. Each portfolio is designed to meet a specific investment objective: growth, capital preservation, or a combination of both.

Instead of the investor having to manage their portfolio on a daily basis, Pinvest takes care of active management. After assessing the client’s profile, the most suitable portfolio is assigned, allowing them to invest with confidence and a long-term focus.

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What makes Pinvest different?

Long-term vision and stability

Pinvest designs portfolios that reflect the overall behavior of the market, aiming to reduce volatility and help clients stay true to their plan, even in times of uncertainty.

Human management, not automated

Pinvest manually rebalances each portfolio several times a year, returning it to its strategic allocation. Adjustments are only made outside of this cycle if the strategy requires it.

Low costs and total transparency

The portfolios are made up of ETFs selected for their quality, liquidity, and low operating expenses, ensuring transparency and efficiency in management.

Real global diversification

Portfolios are designed to provide broad exposure to equity and bond markets, offering an efficient and clear structure for effective global diversification.

What products does Pinvest use?

Pinvest builds its portfolios mainly using:

UCITS ETFs: Funds regulated under the European UCITS framework, offering transparency, international portability, and high standards of investor protection. The inclusion of UCITS allows for the use of efficient structures to serve international clients.

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Model Portfolios

Designed for different risk profiles:

Conservative

Capital preservation with minimal exposure to stocks

Fixed income

80%

Equity

20%

Historical return
annual average*

2.67 %

Time Horizon
recommended

2 to 3 years

Moderate

Balance with low risk, ideal for short to medium-term goals.

Fixed income

60%

Equity

40%

Historical return
annual average*

4.83 %

Time Horizon
recommended

3 to 4 years

Balanced

Balance between growth and stability.

Fixed income

40%

Equity

60%

Historical return
annual average*

6.95 %

Time Horizon
recommended

4 to 5 years

Growth

Greater exposure to global stocks with a long-term focus

Fixed income

20%

Equity

80%

Historical return
annual average*

9.04 %

Time Horizon
recommended

7 to 10 years

Aggressive

For those seeking to maximize returns by taking on more risk.

Fixed income

0%

Equity

100%

Historical return
annual average*

10.82 %

Time Horizon
recommended

More than 10 years

Conservative

Capital preservation with minimal exposure to stocks

Fixed income

80%

Equity

20%

Historical return
annual average*

2.67 %

Time Horizon
recommended

2 to 3 years

Moderate

Balance with low risk, ideal for short to medium-term goals.

Fixed income

60%

Equity

40%

Historical return
annual average*

4.83 %

Time Horizon
recommended

3 to 4 years

Balanced

Balance between growth and stability.

Fixed income

40%

Equity

60%

Historical return
annual average*

6.95 %

Time Horizon
recommended

4 to 5 years

Growth

Greater exposure to global stocks with a long-term focus

Fixed income

20%

Equity

80%

Historical return
annual average*

9.04 %

Time Horizon
recommended

7 to 10 years

Aggressive

For those seeking to maximize returns by taking on more risk.

Fixed income

0%

Equity

100%

Historical return
annual average*

10.82 %

Time Horizon
recommended

More than 10 years
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How to Invest?

Tailored Approach

Pinvest begins with a brief questionnaire designed to understand each client’s risk tolerance, goals, and investment horizon.

Assignment of the appropriate portfolio

After evaluating the client’s profile, Pinvest recommends an investment model that aligns with their goals and personal characteristics.

Continuous professional supervision

The Pinvest team is responsible for rebalancing and monitoring the portfolio, ensuring that it remains aligned with the defined strategy and adapted to market conditions.

Full control for the client

Clients can access their portfolio at any time, with the ability to make withdrawals as they wish, without penalties.

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Model portfolios have a competitive management cost

To keep costs low, efficient and low-cost investment vehicles are used. For our models, made up of UCITS ETFs, the total cost of the portfolio ranges between 0.89% and 0.99%, depending on the model.

Example of fees:

A UCITS ETF portfolio with a constant value of $1,000 held for 5 years would have a total cost of $49.80, which represents $9.96 per year. Of these $9.96 per year, $8 corresponds to the management cost and $1.96 to the cost of the UCITS ETFs.

Frequently Asked Questions

A UCITS ETF is an investment fund regulated under European Union rules, designed with high standards of investor protection and tax advantages for international clients. Additionally, it is considered one of the safest instruments globally.
This portfolio offers several key benefits for the investor: global diversification, professional management by Pinvest, reduced costs, simplicity in investing, and a strategy aligned with the client’s financial goals.
The assets that make up the portfolio are selected through market analysis, considering risk management and applying principles of strategic allocation. This approach is carried out with a long-term perspective, aiming to optimize the balance between growth and stability according to the investor’s profile.
Pinvest applies an approach based on strategic asset management. Portfolios are periodically rebalanced to ensure they remain aligned with investment goals. The firm does not use active management or market-timing algorithms.
Yes. These portfolios are designed for people who do not have the time or the necessary knowledge to manage their investments directly. Based on the client’s personal information and financial goals, Pinvest assigns an investment profile and a portfolio model suitable for their needs.
Yes. The client can partially or fully liquidate their investment at any time, at market value, without fees or penalties.
An investment portfolio is a combination of assets, mainly stocks and bonds, that are managed together with the goal of helping the investor achieve their financial objectives. Diversifying across different assets and regions reduces the risk of relying on a single company or country and promotes greater stability in wealth growth over time.