A web/mobile tool where users input their ETF holdings and target allocation. The tool continuously monitors portfolio drift, provides risk analysis (drawdown estimates, sector/geographic concentration), and generates specific rebalancing trades. It factors in macro signals like interest rate changes or geopolitical events to flag when a strategy review is warranted, supporting buy-only rebalancing for tax efficiency.

The rise of zero-commission brokers in Europe (Trade Republic, Scalable Capital) has created millions of self-directed ETF investors who lack professional advisory tools. Increased geopolitical volatility and interest rate shifts have made passive buy-and-hold strategies feel insufficient, driving demand for smarter, automated portfolio oversight.