AI-powered wealth analysis
Reiter Wertfels combines predictive analytics with continuous risk assessment and provides parents with high time pressure with a comprehensible, daily updated basis for decision-making for long-term wealth creation.
Automated control
For parents with high incomes and little time, ongoing market monitoring is not a realistic option. Reiter Wertfels takes over the ongoing evaluation of relevant data sources and translates them into concrete, documented recommendations for action.
You set the goal and risk framework once. The platform monitors deviations, adjusts allocations within defined limits and keeps you informed in writing of any relevant changes.
Models continuously monitor market conditions and only trigger adjustments within predefined parameters.
The target horizon, risk tolerance and withdrawal plans are recorded once and form the basis of every further calculation.
Every automated adjustment is logged in a comprehensible manner using the underlying database.
Interaction is limited to reviewing daily reports, not surgical procedures.
Infrastructure & Architecture
The platform processes market, risk and portfolio data at fixed intervals and keeps the results available for review at any time. The underlying infrastructure is designed for stability and traceability, not short-term speculation.
Every model decision is based on a set of rules that are tested and documented before being applied to real portfolios. Changes to the rules are versioned and can be traced in the report.
Real-time transparency
Most classic asset management companies provide information at longer intervals. Instead, Reiter Wertfels provides a daily status report that summarizes development, risk assessment and adjustments made.
| Key figure | Presentation | Frequency |
|---|---|---|
| Portfolio value | History & status | daily |
| Change of day | absolute & percentage | daily |
| Risk index | Levels 1-5 | daily |
| Model adjustments | Reason & scope | when triggered |
| Target deviation | Target/actual comparison | daily |
Each report contains not only the result, but also the database and model logic that led to the respective assessment. Decisions can therefore also be verified retrospectively.
Reports are generated automatically and are available at a fixed point in the day. There is no selective or delayed sharing of information.
Transparency principle: All key figures relevant to an adjustment are disclosed, regardless of whether the result is positive or negative.
Methodology
The analysis follows a fixed, multi-stage process. Each level reduces the number of possible misjudgments before a recommendation actually influences the portfolio.
Market, macro and portfolio data are merged from multiple sources and checked for consistency.
Statistical models estimate likely development scenarios based on historical and current patterns.
Each scenario is compared against the defined risk tolerance of the respective investment goal.
Only adjustments within the approved framework are carried out and documented in the daily report.
Minimizing risk here does not mean avoiding every fluctuation, but rather limiting deviations to a predefined corridor. If a position exceeds this corridor, the weighting is automatically reduced, not a subsequent correction.
The models are regularly validated against current market data in order to identify drift between forecast and actual development at an early stage.
Use cases
The following scenarios show how different time horizons and withdrawal plans change the model parameters.
For an education fund with a known payout date - for example at the start of your studies - the model gradually reduces the risk tolerance in the last few years before the withdrawal. The goal is to reduce fluctuations close to the time needed, not to maximize returns until the last day.
Without a defined withdrawal date, risk tolerance remains more stable over longer periods of time. The model prioritizes diversification across multiple asset classes in order to cushion individual market phases instead of reacting to individual signals in the short term.
Questions & risk information
Adjustments only occur when a model signal exceeds the defined threshold. In calm market phases, this may not mean any change for several days.
The risk assessment is designed to reduce position sizes within the approved corridor. The associated daily report documents the trigger and extent of the adjustment.
Yes, the target horizon and risk tolerance can be adjusted at any time. The models adopt the new parameters from the following processing cycle.
Data processing takes place in accordance with the requirements of the GDPR on servers based within the European Union. Data will only be passed on to third parties for the purposes intended by law.
No. Predictive models provide probabilistic estimates, not assurances of future performance. Every report shows this accordingly.
Basic principles of data processing at Reiter Wertfels:
Entry takes place without any obligation to make an immediate portfolio change. You first gain insight into the reporting structure and the underlying model parameters.
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