Valtor uses predictive models and real-time data to suggest and implement an investment strategy. There's no percentage taken out of your returns — 100% of what you earn stays.
Most brokers charge a percentage on each transaction and a fixed annual management fee. With Valtor, those two costs don't exist — meaning the compounded yield remains intact year after year.
Buying, selling, and rebalancing don't incur a per-transaction fee—a cost that, with traditional brokers, directly cuts into your returns.
The algorithm processes market and macroeconomic data and generates a capital allocation proposal adapted to the defined risk level.
The portfolio adapts to changes in the market without having to check the screen every day — decisions are applied according to predefined rules.
Every item of expense — or lack thereof — is shown in the order. There are no hidden currency conversion or inactivity fees.
| An item of expense | Traditional brokers | Valtor |
|---|---|---|
| Commission per transaction | usually 0.5%–2% | 0% |
| Annual management fee | fixed fee, regardless of results | 0% |
| Account inactivity fee | often there is | does not exist |
The process is divided into four steps. After setting the risk parameters, the system continues to operate independently — you retain insight, not the obligation to react daily.
You open an account and define the amount and level of risk that suits your family's financial situation.
The model processes market data, historical patterns and current portfolio exposure in real time.
The system generates the capital allocation and the expected range of outcomes, in accordance with the defined risk limits.
The strategy is applied automatically, with continuous monitoring and adjustment when market conditions change.
Automation logic: each action of the model is linked to a predefined rule — risk threshold, deviation range or rebalancing time interval. Nothing is executed outside of those limits without you explicitly changing the parameters.
The model does not optimize solely for maximum return — pre-defined loss and exposure limits are built into every capital allocation decision, before the transaction is executed.
Predictive analytics use historical volatility patterns to assess the likelihood of adverse scenarios and adjust portfolio exposures accordingly, rather than reacting only after a downturn.
The Valtor model handles market prices, historical volatility, macroeconomic indicators and publicly available financial statements. All sources are documented within the account, so that the model decision remains verifiable and not a "black box".
The parent allocates a fixed amount per month. The model allocates funds according to a defined risk profile and automatically rebalances the portfolio without the need for manual decisions.
The user transfers the existing investment structure. The model analyzes the current exposure and suggests corrections according to updated market data.
No commission is charged on transactions and portfolio management. Any third party fees, such as bank transfer, depend on your payment provider and are not under the control of Valtor.
The system is designed to operate without daily supervision. Periodic checking of the report is recommended, but the execution of the strategy does not require your intervention.
The model continuously monitors volatility and adjusts exposure within predefined risk limits. Sudden changes do not trigger automatic decisions outside those limits.
Withdrawal of funds is available in accordance with the terms of use of the account, with no contractual obligation to hold for a longer period.
Data sources and rebalancing logic are documented within the user account. Each implemented portfolio change is visible with the rationale that triggered it.
You can ask additional questions through the page for contact.
Setting up a risk profile takes a few minutes. After that, the AI model takes over the analysis and implementation of the strategy according to the defined limits.