Artificial intelligence has completely changed the way we live, and there is no limit to what it can achieve. In its simplest form, algorithms track our purchases, anticipate our needs and monitor our moods, so that everything from the books we download on Kindle to the films we watch on Netflix are curated to suit our personalities and individual preferences. Spotify builds entire playlists based on our music consumption. Taxi apps know our regular routes around town. Dating websites suggest potential partners. And even Deliveroo remembers which noodles we ate last Friday.
But at its most complex, AI has subverted our deepest-held beliefs. Scientists at the University of Kansas have recently used machine learning to determine what makes sea levels rise and, last year, Nasa used AI to discover a new planet. Which raises the question: if AI can enhance almost every aspect of our lives, why can’t this technology be applied to the way we invest our money? And the answer? It can be.
Financial products are improving, and the evolution of machine learning and artificial intelligence has created a more level playing field for savvy investors, making financial security accessible, not just to ultra high-net-worth individuals, but to everyone. Today, there is no reason why any investor shouldn’t feel empowered to create a bespoke portfolio tailored to their circumstances, age, personal objectives and risk preferences, which can then be managed and optimised by advanced algorithms.
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Exo Investing agrees. Available as a smartphone app or as an online investment platform, Exo picks up where DIY investing, robo-advisers and traditional wealth managers have left off, shifting investing up a gear by using machine learning algorithms to closely monitor each portfolio on a daily basis.
But how does it work?
You can choose where you want to invest from regions, sectors and asset classes or you can let Exo take the reins. Taking into account your appetite for risk, your personal situation and your financial goals, Exo searches and analyses every leading exchange-traded fund on the London Stock Exchange to design your portfolio. Exo’s only goal is to help you reach yours – whatever that might be – and it will adjust your portfolio accordingly, depending on any changes in your personal situation or investment approach.
Exo’s portfolio management strategy minimises risk while maximising the potential for positive returns to increase the likelihood of you reaching your investment goals. Instead of checking your investments once a quarter, Exo looks at every portfolio, every day, for no additional cost above a low monthly fee.
To be a successful investor, you need long-term perspective and the ability to remain emotionally detached – something we just aren’t wired to do. However, the beauty of artificial intelligence is that it comes free of the emotions and biases of a human mind, and it can’t be influenced by a herd mentality. When there’s a dip in the market, shock, anger and panic can often lead to bad decisions, but Exo’s advanced machine learning is designed to spot trends and start to move assets into safe havens.
Likewise, in calmer markets, Exo gradually increases the weight of riskier assets to maximise the chance of positive returns. By monitoring your portfolio daily and adjusting to market conditions, Exo can shelter your portfolio during market downturns thereby reducing the need to recoup losses over time.
Exo's approach is founded on dynamic risk management and the consideration that when a portfolio loses 50% of its value, 100% value must be regained to offset this. Technology has erased the need for a one-size-fits-all mentality. You are an individual, and your investments should reflect that too.
Visit exoinvesting.com
When investing, your capital is at risk. The value of your investments can go down as well as up, so you could get back less than you invested. © Exo Investing is a trading name of Finhub Technologies Ltd. which is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 748161).
