Lolédris IA automates the gradual investment of your savings and adjusts entry points based on predictive models, to reduce exposure to sudden market movements without requiring constant monitoring from you.
Discover the Lolédris methodAnticipating the right moment to invest or withdraw from a market remains, even for professionals, an uncertain exercise. For a saver who has spent a career building up his capital, each decision takes on a particular weight: there is no longer any work income to compensate for a loss.
The most common temptation is to act on emotion: sell after a decline for fear of a greater fall, or invest massively after a rise for fear of missing an opportunity. These reactions, although human, statistically result in purchases at the wrong time and hasty sales. The progressive payment method (Dollar-Cost Averaging) exists precisely to neutralize this bias, by distributing investments over time rather than in a single gesture.
Investing a large sum at once fully exposes yourself to the market level at that precise moment, favorable or not.
Fear or euphoria often lead to acting at the least opportune moment, going against long-term logic.
Following financial news on a daily basis requires time and expertise that few individuals wish to develop.
Rather than distributing your payments on fixed dates without distinction, Lolédris IA relies on Data Intelligence which continuously observes a set of market indicators: volatility, volumes, valuation gaps.
These predictive models identify windows where purchasing conditions are statistically more favorable, and adjust the scheduled payment schedule accordingly. The principle of regular payment remains respected: only the precise moment of its execution is optimized.
The objective is not to predict the markets with certainty, which no system can guarantee, but to reduce the influence of chance on the average acquisition price of your positions.
Each feature responds to a concrete need expressed by savers who are close to or have already retired: preserving capital, not having to monitor the markets, and understanding what is happening in their account.
Payments are split and calibrated according to your risk profile, in order to limit the impact of a one-off drop on the entire capital invested.
The models analyze market data continuously, including outside of regular business hours, without requiring your presence.
Each transaction carried out on your account is logged and viewable, with a simple explanation of the reason that triggered the action.
The method was designed to remain readable from start to finish. You keep control of your capital at all times, which remains deposited in your accounts.
Your existing investment accounts are securely linked, so models have the information they need for analysis.
You specify your investment horizon and your tolerance for volatility; these parameters govern all decisions taken subsequently.
Scheduled payments are adjusted and executed automatically, within the limits you set, without ever exceeding your defined framework.
These answers cover the questions most frequently asked by our users regarding the protection of their data and their capital.
Connections to your accounts use financial industry standard encryption protocols. Lolédris IA never has access to your banking credentials directly: the connection goes through dedicated secure connectors.
The models do not suspend scheduled payments in principle: they analyze whether the reduction constitutes a favorable entry point in view of your risk profile. You can pause the process at any time from your personal space.
Your capital remains deposited in your own investment accounts and maintains the level of liquidity specific to the chosen supports. Lolédris IA does not impose any additional lock-up period.
No. The system automates the execution of a progressive payment strategy defined with you. It does not replace personalized support for broader asset decisions.
An initial analysis helps assess your current situation and determine whether the optimized progress payment method meets your capital preservation goals.
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