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100% of the appreciation stays in your portfolio

Dravoluneria uses predictive AI models to eliminate transaction fees and continuously optimize family investments based on data, not emotion.

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Analysis panel sample
  • Risk exposure
  • Predicted trend
  • Liquidity

Illustrative preview - values are updated according to market data in real operation.

Fees and excess data gradually reduce the long-term value

Family portfolios in the Czech Republic usually go through intermediaries who charge entry, exit and management fees. Over the horizon of twenty years or more, these costs cut a significant part of the total return, even if the individual rates look low. Added to this is the abundance of market reports and indicators that are difficult to evaluate without a professional background – decisions are then often made under pressure or based on current sentiment, not data.

Dravoluneria inserts an algorithmic filter into this process: the model continuously monitors market conditions and suggests actions according to a defined risk profile, regardless of short-term fluctuations in market sentiment.

The principle of the impact of fees in the long term

Portfolio with regular fees
Portfolio without transaction fees

A simplified representation of the principle – specific values depend on the type of portfolio and the length of the investment horizon.

Dravoluneria – technological background of the analytical platform

Data Access to Family Finances

Dravoluneria was created with the aim of offering middle-income families in the Czech Republic a tool that until now was available mainly to institutional investors: predictive models and automated risk management without the need to pay for each transaction.

The platform does not replace your decision making. It summarizes the volume of market data into clear recommendations and leaves the final decision of how much and when to invest to you.

Analytical core of the platform

Three interconnected layers of data processing behind each recommendation.

01

Real-time analysis

The system continuously processes market data and projects changes to the status of your portfolio, so you have an up-to-date picture of the development of investments without the need to manually monitor the market.

02

Prediction of market trends

Predictive models evaluate historical and current patterns of market behavior and estimate likely developments, which Dravoluneria uses to adjust asset allocation in your favor.

03

Automated risk management

The model checks the risk exposure of the portfolio against your chosen profile and suggests adjustments before the deviation has a significant effect on the resulting valuation.

How it is possible to offer trading without fees

The Dravoluneria model is built on process automation, not on additional hidden costs passed on to you.

1

Data collection and preparation

The platform collects market data from publicly available sources and stores it in a structure that can be processed by predictive models without the manual intervention of analysts.

2

AI portfolio optimization

The algorithm compares your current portfolio composition with your target risk profile and suggests adjustments that minimize rebalancing costs.

3

Execution free of charge

Automated processing reduces the need for extensive manual back-office, which typically increases the operating costs of intermediaries. Dravoluneria translates this savings directly into zero transaction fees – 100% of the revenue stays in your account.

Specific scenarios for family financial planning

The model adapts to your goal, not the other way around.

Retirement planning

For a long investment horizon, the model gradually reduces the proportion of volatile assets and increases the weight of conservative instruments, usually at pre-defined intervals according to the approaching target date. You are still in control of the pace of this change.

Optimization of the educational fund

For funds with a fixed drawdown date, for example starting university, the model works with a shorter and more precisely defined horizon and places more emphasis on portfolio liquidity in the last years before drawdown.

Preservation of property

If the objective is primarily to protect existing capital against inflation, the model limits risk exposure and focuses on yield stability, even at the cost of lower potential appreciation.

Technical reliability and data security

The infrastructure is designed so that both data processing and account access remain consistent and protected.

System availability

The infrastructure is continuously monitored and any deviations are resolved according to internal operating procedures, so that access to data and the portfolio is as stable as possible.

Data processing

Prediction models process market data from multiple sources simultaneously, with the aim of maintaining a low latency between receiving data and projecting recommendations (low-latency processing).

Encryption standard

Data at rest and in transit is protected by AES-256 encryption and an end-to-end encrypted connection between your device and the platform.

The future of your family investments starts with data

Opening an account is free and you pay no commission or hidden fees on the trades. The decision of how much and when to invest is always up to you.

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