Artificial intelligence at the service of your family assets.
A predictive analytics platform that learns from your risk tolerance to optimize your long-term financial decisions.
No commitment. The profile is built and revised through your responses.
An analytics infrastructure built to last.
The recommendations made by ValoriAi are based on quantitative models, updated based on market data and your own past arbitrages. Each proposed adjustment remains traceable: you consult the variables that triggered it before validating or refusing it.
- Traceability of decisions. Each recommendation indicates the data that motivated it.
- Continuous monitoring of models. The parameters are reviewed at regular intervals in view of the deviations observed.
An algorithmic approach to security.
Calculating your allocation follows three distinct steps, repeated each time your data or market is updated.
Structured data collection
You provide information on your objectives, your investment horizon and your financial situation. These elements constitute the basis of the initial profile, before any calculation.
Risk profiling using machine learning
Predictive models cross-reference your declared responses with the history of your decisions to estimate a finer risk tolerance than a simple questionnaire.
Dynamic portfolio adjustment
The allocation is recalculated continuously according to the evolution of the markets and your profile, rather than at fixed intervals decided in advance.
Three functions serving the same objective.
Each module addresses a distinct dimension of the portfolio, then the results are consolidated into a single view.
Correlation Analysis
The assets in your portfolio are evaluated according to their cross-behavior, in order to limit repeated exposure to the same risk factor hidden under several lines.
Continuous market monitoring
Market data feeds are continuously processed to detect significant deviations from your initial allocation assumptions.
Life scenario simulations
Retirement, financing of studies, transmission: each objective is modeled separately, then consolidated in an overall projection.
Static management or continuous optimization.
The difference relates less to the assets chosen than to the frequency and logic of revision.
| Criterion | Quarterly static management | AI continuous optimization |
|---|---|---|
| Scan frequency | Manual review every three months | Continuous recalculation, with each new data |
| Responsiveness to markets | Possible delay of several weeks | Almost immediate detection of significant deviations |
| Emotional bias | Decisions influenced by the current market climate | Recommendations based on rules set upstream |
| Profile customization | Questionnaire frozen at contract opening | Profile recalculated from your actual arbitrations |
The data used to recalculate your profile remains hosted and processed in accordance with the GDPR. No recommendations are applied automatically without your validation.
Two objectives, two calculation logics.
The scenarios below illustrate the structure of the reasoning, without prejudging a guaranteed result.
Funding of studies
A family wishes to build up capital intended for a child's higher education, with a time horizon of ten to fifteen years.
- 01The horizon is fixed on the planned date of entry into higher education, and not on an arbitrary duration.
- 02The allocation, oriented towards growth assets at the start of the period, is gradually desensitized as the maturity approaches.
- 03Multiple market trajectories are simulated to estimate a likely capital range, rather than a single figure.
Retirement security
A household prepares the transition between employment income and retirement income, with the objective of maintaining its standard of living.
- 01The necessary capital is projected according to the desired starting age and the expected level of additional income.
- 02Risk exposure gradually decreases as the departure date approaches, and readjusts if it is postponed.
- 03An alert is triggered in the event of a discrepancy between the actual trajectory of the portfolio and the initially set objective.
Data security and model logic.
Three points come up most often before a family sets up their profile.
How is my personal and financial data protected?
The data transmitted is encrypted and hosted within the European Union, in accordance with the GDPR. You can at any time request access, rectification or deletion of the information you have provided.
On what basis does artificial intelligence formulate its recommendations?
The models rely on historical market data and your past trades to estimate a risk tolerance and propose an allocation consistent with your stated objectives. Each recommendation remains subject to your validation before any execution.
How is pricing structured?
Initial access to the profile analysis is free. The terms and conditions relating to continuous monitoring and automated rebalancing are presented to you before any subscription, in detail and without ambiguous wording.
Secure your future with mathematical precision.
The initial risk profile is built from your answers and your stated objectives. You retain validation of each adjustment subsequently proposed.