Invest customer money automatically by risk profile

Robo-advisers invest money automatically according to risk profile

Needs setupAI Act: no extra obligationsRecommending & personalisingFinTech & payments, Asset management

Fits: Finance & accounting

Even with small amounts, investors get a broadly diversified investment that matches their risk profile and is regularly rebalanced to the target weights. Your advisers look after the cases that really need a conversation.

Is this for you?

  • You have a licence for portfolio management or work with a partner who has one.
  • You have a few clearly described model portfolios and a questionnaire on knowledge, goals, investment horizon and bearable losses.
  • You can handle a project lasting several months with compliance, IT and the custodian bank.
First step today

Write your rules for mapping the questionnaire to a model portfolio on one page and use the template below to apply them to three made-up test investors. Check whether the rules are unambiguous and whether contradictory information leads to a follow-up question rather than an investment.

How to go about it

  1. Define what automatic investment should achieve
  2. Bring together the questionnaire, customer information and portfolios
  3. Set up allocation and rebalancing
  4. Check allocations with test cases and an initial customer group
  5. Open up to all new customers
  6. Regularly check fit and spread

Templates to copy

Try it now
in the training
Analyse
in the training
Plan the rollout
in the training
Included in the training

The complete guide

  • 6 steps explaining exactly what to do
  • 3 proven templates to copy into your own AI
  • Safe use: data, checking, deciding, informing
  • Pitfalls, effort and how to recognise success

With the training you get all 430 guides for as long as your access runs.

See the trainingOne-off per person, no subscription

Same approach, other use cases

13 more use cases follow the pattern “Recommending & personalising”.

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FT-01 · Legal status 08.10.2026