Predictive Analytics Platform
Épargnheim analyzes your positions in real time, evaluates market scenarios and automatically adapts your exposure. No daily manual intervention is required.
Portfolio risk index
3.2 / 10
Recalculation every 4 seconds
The observation
Financial data flows are multiplying: indices, key rates, macroeconomic news. Monitoring them manually, in parallel with professional activity and family life, exceeds the time actually available.
Market movements occur at any time, including outside working hours. A decision delayed by a few hours can be enough to transform a temporary correction into a lasting loss of capital.
Mechanism
The engine continuously ingests market data and recalculates your portfolio's exposure for each significant change in price or implied volatility.
Statistical models estimate the probability of adverse scenarios in the short term, based on historical data and current market signals.
When the calculated risk exceeds the threshold you set, coverage adjustments are triggered automatically, within the limits of your authorizations.
Approach
Épargnheim was designed for profiles who manage assets alongside a full-time job. The platform supports daily position monitoring and only asks for your attention in the event of a decision requiring explicit validation.
Each recommendation is accompanied by a numerical justification, which can be consulted at any time from your customer area.
Method
Secure connection to your securities accounts and market feeds. The data is normalized before any processing.
The models assess the likelihood of adverse scenarios and calculate a target exposure level for each position.
Coverage adjustments are applied, within the risk limits you have defined in advance.
Compatible integration with major online brokers via secure API. No manual input is required after initial setup.
Technical specifications
99.9%
Target system availability, measured on a monthly basis
<200ms
Processing latency per scan cycle
4 sec
Risk score recalculation interval
15 years
History depth used for training models
Frequently asked questions
Connections to securities accounts are made via encrypted APIs, read-only when possible. No banking identification data is stored on our servers.
You define the risk limits and types of adjustments allowed in advance. Beyond these limits, manual validation remains necessary before any execution.
The platform currently covers stocks, bonds and ETFs listed on major European and North American exchanges.
Yes. A switch in your customer area immediately turns off automatic adjustments, without affecting monitoring and alerts.
Each decision is accompanied by the input variables and the synthetic reasoning leading to the calculation, which can be viewed in your account history.
A demonstration lasts approximately thirty minutes and focuses on your real situation, without obligation.
Request a demo