Robo-advisory as a Service
A core Mindlytx product: a complete robo-advisory journey, delivered to licensed institutions as a service.
1 · Risk profile
Balanced
From the investor questionnaire
2 · Model allocation
- Equities50%
- Bonds35%
- Cash15%
By risk band and goal horizon
3 · Rule monitoring
- Single position ≤ 10%8.2%Within
- Cash ≥ 5%15%Within
- Sector ≤ 30%34%Breach
Illustrative interface with sample data. Not live market data.
Overview
Robo-advisory is built on the same intelligence backbone as the rest of Mindlytx, and is offered as a complete product rather than a single module. It takes an investor from risk profile to goals, plan and model allocation, then keeps the portfolio visible against its rules. It is delivered with and through appropriately licensed partners, who remain responsible for regulated advice and execution.
How it works
- 1Spending analysisFrom statements
- 2Risk profileQuestionnaire
- 3Goals and planHorizon and goals
- 4Model allocationBy risk band
- 5Rule monitoringLimit breaches
Expenditure analysis
The plan starts from how the investor actually spends, not from what they estimate.
Bank or wallet statement lines are rebuilt into a household balance sheet: income against spending, fixed commitments, installment plans and idle cash. The surplus is then allocated against real upcoming liabilities, with an emergency fund and high-cost debt handled before investing.
1 · Income vs spending, monthly
IncomeSpending
2 · Where the money goes
Share of monthly income. Installment plans detected from statement lines.
3 · Surplus into the plan
- 1Starter emergency fundFirst
- 2Pay down high-cost debtThen
- 3Savings goalThen
- 4Invest what is leftLast
Feeds the model allocation. No individual stock picks.
Illustrative interface with sample data. Not live market data.
Capabilities
- 01
Investor risk-profile questionnaire
- 02
Expenditure analysis from bank or wallet statements: cash flow, commitments and installment plans
- 03
Goal and investment-horizon capture
- 04
Financial plan with a model asset allocation by risk band
- 05
Recommendations grounded in platform data
- 06
Portfolio rules and limit-breach monitoring
- 07
Portfolio visibility, exposure and concentration analytics
Good to know
Delivered with licensed partners. Execution and regulated advice remain the responsibility of the licensed institution.