Kappatur applies adaptive AI to monitor markets continuously and rebalance your portfolio according to the risk level you are actually comfortable with — reviewed in minutes, not managed daily.
Discover your risk profileNo trading experience required. Data processed under DSGVO, hosted within the EU.
Between work, school pick-ups and the ordinary logistics of running a household, reviewing positions, reading market commentary and rebalancing a portfolio tends to fall to the bottom of the list. That gap is rarely due to a lack of interest in financial security — it is a lack of time.
The process is designed to take you a few minutes to start, after which the system carries the ongoing work.
You answer a short set of questions about your financial goals, time horizon and comfort with fluctuation. This forms your initial risk profile — a starting point, not a fixed label.
Our models track market data, volatility patterns and portfolio performance in real time, comparing outcomes against your stated risk tolerance and flagging meaningful deviations.
When adjustment is warranted, the system rebalances allocations within the boundaries you approved at onboarding. You receive a summary; no manual trade confirmation is required.
You retain visibility and control over the parameters; the platform handles the repeated, time-consuming decisions in between.
Positions are checked against market movement continuously, rather than on a fixed weekly or monthly schedule, so drift from your target allocation is caught early.
Your risk profile is not static. The system refines its understanding of your comfort with volatility over time, based on how you respond to past adjustments.
Pattern recognition across historical and current data helps anticipate potential volatility before it fully materialises, allowing earlier and smaller corrective adjustments.
We know that German investors weigh stability and data privacy heavily, and we built the platform with that expectation in mind rather than as an afterthought.
All personal and portfolio data is processed and stored on servers located within the EU, in line with DSGVO requirements. Data is never sold to third parties.
The model combines statistical risk measures with pattern recognition across market indicators. It operates within the boundaries you set — it does not override your stated risk tolerance.
Recommendations and rebalancing actions are structured to remain consistent with German regulatory and tax reporting conventions relevant to retail investors.
Yes. Kappatur does not lock your funds into fixed terms. Standard settlement times for the underlying investment instruments still apply, which is typically a few business days.
Onboarding takes around ten minutes. After that, most users check their summary report a few times a month rather than managing anything actively. You decide how involved you want to stay.
You can update your risk profile at any point. The system also adjusts gradually based on how you respond to previous recommendations, so it does not rely solely on a one-time questionnaire.
No. The AI analyses data and proposes or executes rebalancing within limits you set at onboarding. It does not pursue speculative short-term trades or operate outside your agreed risk boundaries.
On servers located within the European Union, in compliance with DSGVO. You can request a summary or deletion of your data at any time through your account settings.
Answer a short set of questions to see how an adaptive, hands-off approach could fit around your schedule and your comfort with risk.
Discover your risk profile Read more about data handling and methodology