Štedorix continuously analyses market data and learns how much risk you're actually comfortable taking, then adjusts your allocations without waiting for you to log in.
Signals from equities, ETFs, and broader market indices are processed on a rolling basis, feeding a model that is retrained as conditions shift rather than reviewed once a quarter.
Most side-hustle investors don't lack ambition, they lack hours. Reading earnings reports, tracking macro indicators, and rebalancing at the right moment all compete with a full-time job, and usually lose.
The result is either inaction, where money sits in a single low-yield instrument out of caution, or reactive decisions made late at night after the market has already moved.
Štedorix was built to close that gap: an AI system that keeps working on your portfolio between the moments you have time to think about it.
Rather than relying on static historical averages, the model ingests pricing, volume, and volatility data continuously and updates its forecasts as new information arrives. Recommendations reflect current conditions, not last quarter's report.
During onboarding, Štedorix records how you respond to hypothetical drawdowns and gains. That profile becomes a constraint the AI operates within, so allocations shift toward your comfort level automatically as your circumstances or responses change over time.
When market conditions move outside the parameters set by your risk profile, positions are adjusted within the same trading window rather than at a fixed calendar date. You receive a summary of what changed and why, without needing to authorize each step.
Automated systems are only trustworthy if the process behind them can be explained. Here is the sequence Štedorix follows for every recommendation.
Market pricing, volatility indicators, and macroeconomic releases are pulled in on a rolling basis, alongside your account-level risk parameters and current holdings.
The model tests forecasts against realised outcomes and adjusts its own weighting, so accuracy for your specific portfolio composition improves over time rather than staying fixed.
A recommended action, whether to hold, reduce exposure, or diversify further, is generated with a plain-language rationale attached, and executed within the boundaries you've approved in advance.
The same underlying engine supports different objectives. Below are three common starting points for individual investors in Croatia.
For investors holding a concentrated position, Štedorix identifies correlated risk and proposes a gradual reallocation across asset classes, timed to avoid unnecessary transaction costs.
Investors saving toward a longer-term goal set a target horizon and risk ceiling; the AI favours positions with historically stronger long-run growth characteristics while staying inside that ceiling.
When volatility indicators rise beyond your set threshold, exposure to higher-risk instruments is trimmed automatically, and the freed capital is temporarily held in lower-volatility positions until conditions stabilise.
Onboarding takes about fifteen minutes. You'll answer a short set of questions about your current holdings and risk comfort, connect an account, and receive an initial allocation recommendation before you commit to anything.
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