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Portfolio Adviser Workspace

A financial plan with probabilities for every client of your app

White-label financial planning for your brokerage app. Workspace interviews the client, simulates thousands of market paths and returns a plan they can act on: goal probabilities, an emergency fund, deposits and taxes, a portfolio optimised under a risk limit, and the levers that change the outcome. Then it explains the plan in the client's language.

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Portfolio Adviser Workspace plan result with goals and wealth fan

What is Portfolio Adviser Workspace?

Portfolio Adviser Workspace is a white-label financial-planning module from DIVID.AI that brokerages embed in their client app. It interviews the client in eleven steps, simulates thousands of market scenarios, and returns goal probabilities, an emergency fund, a risk-limited portfolio and what-if levers, explained by AI in English, Bahasa Indonesia or Russian. A full plan takes 3–9 seconds.

Online brokers

Turn a trading app into an advisory app without hiring advisers.

Investment apps and neobanks

Offer planning as a feature; keep the client inside your product.

Asset managers with a retail channel

Let clients see why the recommended allocation fits their goal.

How it works

How Workspace works, step by step

  1. 01

    Interview

    Eleven steps: currency and horizon, income, mandatory and discretionary spending, capital and holdings, emergency fund, deposit rates, goals, risk attitude, market views, review.

  2. 02

    Scenarios

    Thousands of market paths rebuilt from real historical price moves (block bootstrap), converted across currencies, adjusted for the client's market views and tested on past crisis periods.

  3. 03

    Optimisation

    Three risk levels. Weights keep the likely worst-case loss (value-at-risk) within a limit, with caps per asset class. If no mix fits, the plan falls back to the lowest-risk portfolio.

  4. 04

    Goals & levers

    Probability for each goal against its threshold. Levers: cut discretionary spending, add income, deposit share, risk level, relax the goal.

  5. 05

    Explanation

    A language model turns the facts of the plan into a four-part explanation and a checklist, never inventing a figure.

What you get

Workspace features

Goal probabilities

Target amount, emergency fund, extra spending or portfolio return, each with a probability and a status.

Cash-flow realism

Monthly income, inflation by currency, deposits at term and on demand, taxes, unexpected expenses.

Risk you can see

Likely worst-case loss (value-at-risk), wealth in the worst 1 % of scenarios, the chance of having to sell to cover spending, and the deepest fall.

What-if in seconds

Move a lever and re-simulate; adopt the recommended plan in one click.

Portfolio tools and alerts

Audit an existing portfolio, rebalance to increase profitability, favourite and black-listed stocks, weekly risk alerts with rebalance advice.

Three languages

Interface and explanations in English, Bahasa Indonesia and Russian; currencies including USD, IDR, RUB, AMD.

Screens

Workspace screens

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Workspace interview, goals stage with the live picture panel
Interview: goals stage with a live picture of the finances
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Workspace verdict with goal probabilities and the recommended action
Verdict: which goals are reachable and what helps
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Workspace allocation donut with emergency fund and instruments, and risks in plain words
Where to put the money, and the risks in plain words
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Workspace levers with instant recalculation of goal probabilities
Levers: every change recalculates the odds
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Workspace explanation in plain words with a checklist
Explanation in plain words, with a checklist
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Workspace list of plans with status and goal summary
My plans: recalculate, edit answers, compare

Facts, not promises

Workspace today: status and coverage

  • Full plan in 3–9 seconds, what-if in 2–9 seconds on 2,000 simulated paths (local benchmark, September 2026).
  • Markets: IDX, MOEX, NASDAQ/NYSE; FX cross rates via USD; local instruments per market on request.
  • Status: available; white-label and API integration by project.
  • Decision support only: the final recommendation logic and disclaimers are configured by your licensed team.

Integration

How it fits into your stack

White-label

Your brand, your universe of instruments, your risk policy.

API

Plan request in, plan result out: JSON contracts for interview schema, run, what-if and explanation.

Standalone

Hosted workspace with your SSO.

FAQ

Workspace FAQ

Does it give investment advice?

It produces a plan and explains it. Whether that is "advice" depends on your licence and your configuration; we ship it as decision support with your disclaimer.

Which data does it use?

Daily prices and FX from our data storage; deposit rates and inflation by currency; the client's answers. No personal data leaves your perimeter in the on-premise option.

Can we limit the instruments?

Yes: allowed classes, caps per class, excluded tickers, a core list of approved instruments.

How long is an integration?

A hosted pilot starts in days; white-label integration is a project measured in weeks.

Put a plan behind the buy button.

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