Data analysis and artificial intelligence for families
Negoziatura observes market trends and your financial situation, identifies relevant risks and transforms complex information into clear indications to protect your family's assets over time.
A summary of your risk profile, automatically updated when your situation changes, designed for those without technical financial skills.
Negoziatura is designed for medium-income families who want to manage pensions, savings and study funds with professional-level tools, without having to become financial market experts.
The system does not promise returns: it processes market data and information that you provide on your assets, compares them with your risk appetite and returns understandable indications, always keeping the final decision up to you.
Interest rates, inflation, market news, bank records – for a working family, following all of this constantly is unrealistic. The risk is making important decisions - about your pension or your children's education fund - based on partial information or generic advice that is not suited to your situation.
Negoziatura automatically processes the relevant data and compares it with your risk profile, updated over time. The result is not a list of numbers, but an operational indication: where the risk is concentrated, what to observe, what safety margins to maintain. You always have the final say on every choice.
Three functions that work together, continuously, without requiring your daily intervention.
The model observes how you react to market changes and the choices you make, and gradually adapts its indications to your real risk tolerance, without requiring repeated questionnaires or complex manual configurations.
Market and asset data are processed continuously. When significant changes to your schedule arise, the system reports them in a timely manner, rather than leaving you to discover them late.
In addition to describing the current situation, the system develops plausible evolution scenarios, useful for understanding which safety margins to maintain before a risk becomes a concrete problem.
No "black box": each phase is designed to let you understand where each indication comes from.
We collect public market data and information you share about your assets and goals, such as your retirement, children's education or emergency fund.
The algorithm compares this data with your risk profile and identifies the areas in which your assets are most exposed, proposing possible course corrections.
Receive a clear indication, with the reasons behind it. The final decision, as always, remains yours: the system supports, does not replace your judgement.
Three common scenarios among families using risk analysis tools like this.
The system monitors the residual time horizon and the composition of retirement savings, signaling when risk exposure is no longer consistent as the goal approaches, so as to be able to rebalance with a margin of time.
For goals with a defined date, such as your children's college, predictive analytics helps you understand if the savings set aside are progressing in line with the goal or if it is advisable to intervene further in advance.
In phases of market instability, continuous monitoring identifies the most exposed asset components and proposes risk mitigation measures consistent with your tolerance, without impulsive reactions.
Some of the most common questions from those evaluating an AI-based analytics tool for the first time.
The data you share is processed in compliance with the General Data Protection Regulation (GDPR) and used exclusively to generate analyzes relating to your profile. They are not shared with third parties for commercial purposes.
No. The indications are formulated in clear language, without presupposing technical knowledge of finance. The system takes care of the analytical part; You are left with the decisions, accompanied by understandable explanations.
Negoziatura does not replace a consultant when an ongoing personal relationship is necessary, but offers constant monitoring and updated analysis that would normally require periodic manual reviews, useful as daily planning support.
Planning for your family's financial security is a journey of small and constant decisions. Negoziatura accompanies you through each of them, with updated analyzes and clear indications.
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