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AI-driven asset decision support platform

Asset protection mechanism with data as the core

澄算通 uses real-time market data and AI prediction models to help retirees and pre-retirees pursue stable income while controlling the retracement within a pre-set range through a smart stop-loss system. We do not promise excess returns, but only focus on letting you clearly understand the risk logic behind each asset allocation.

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Demo Account Monitoring Panel Schematic data
Current retracement range
-2.4%
stop loss warning line
-8.0%
This month’s volatility coefficient
0.31

The data is only a logical representation of the system and is not actual customer account information.

core anxiety

The biggest worry about retirement assets is not the rise or fall, but the unexpected heavy fall.

  1. Data side:The market generates a large amount of price and trading volume data every day, which is difficult to digest and compare manually in real time.
  2. Analysis side:The AI model continuously compares historical fluctuation ranges and flags signals that deviate from the norm.
  3. Risk control side:Once the signal reaches the preset tolerance range, the smart stop loss mechanism will automatically intervene.
  4. Decision support side:The system converts the analysis results into understandable suggestions, which are then implemented after mutual confirmation by you and the consultant.

Comparison of retracement amplitudes

The chart below schematically presents the maximum drawdown difference between the traditional passive holding strategy and the introduction of a smart stop-loss mechanism. The actual value will vary depending on market conditions and asset allocation.

No stop loss
-24.6%
澄算通 mechanism
-8.2%

*Indicative data, not a guarantee of historical performance of any specific product

core technology

The operational logic of the Smart Stop-Loss system and AI prediction model

We break down the system into four steps, allowing you to understand how the machine determines risk before entrusting asset allocation, instead of leaving the decision to an incomprehensible black box.

01

Data collection

Integrating open market quotations, trading volume and macroeconomic indicators, updated daily, serves as the basis for model input.

02

Wave modeling

The AI model calculates the short-term and medium-term fluctuation range of assets and compares it with the historical normal distribution to find abnormal signals.

03

Stop loss trigger

When the retracement range approaches the pre-set tolerance threshold, the system automatically adjusts the position ratio to reduce the degree of exposure.

04

manual review

The advisory team will review the system recommendations and confirm that the adjustment direction meets your retirement cash flow needs before implementation.

System interface description

The operation interface adopts a single-page dashboard design. The current allocation ratio and retracement warning line are displayed on the left side, and recent system adjustment records and triggering reasons are listed on the right side. All numbers are presented in fixed-width fonts to facilitate quick comparison on your mobile phone or tablet.

The 澄算通 analysis team monitors the operation of the AI risk model in the data center

About 澄算通

Consulting support team composed of data analysis and risk control professionals

The analysis team of 澄算通 has long been focused on quantitative risk models and asset allocation logic, transforming drawdown control methods commonly used in institutional investments into an operating interface that can also be understood by the general retirement community. We believe that solid asset growth comes from a clear understanding of risks, rather than a lucky prediction of market trends.

Each system recommendation will be accompanied by a basis for judgment, allowing you to ask questions about the data itself when discussing with the consultant, rather than just passively accepting the conclusion.

Situational demonstration

How does the system adjust configuration logic under different retirement goals?

The following three scenarios are system logic demonstrations and are not investment recommendations for individual clients. The actual allocation still needs to be confirmed by the consultant based on your financial situation.

Enter conditionsThe assets you can invest are about 8 million yuan, and you expect to withdraw 30,000 to 40,000 yuan for living expenses every month. You can withstand a maximum drawdown of about 6%.
System configuration responseMainly fixed income assets, combined with low-volatility stock income positions, and the stop loss warning line is set at -6%.

Expected results:The system prioritizes maintaining stable cash flow. When the market continues to decline, it will prioritize reducing stock exposure to retain monthly withdrawal capabilities.

Enter conditionsThere is no need for withdrawal. The main goal is to combat inflation and preserve principal, and can withstand a drawdown of about 4%.
System configuration responseThe allocation focuses on low-volatility assets and some anti-inflation assets, and the stop-loss warning line is set tight, about -4% to -5%.

Expected results:The system prioritizes the stability of principal, and any abnormal fluctuation signals will prompt the allocation to return to the conservative range faster.

Enter conditionsThere are still 5 to 10 years before retirement, and you are still willing to bear moderate fluctuations to pursue asset growth, and can withstand a drawdown of about 10%.
System configuration responseThe allocation includes a higher proportion of growth assets, the stop-loss warning line is relaxed to -10%, and quarterly adjustment flexibility is retained.

Expected results:The system allows a larger room for fluctuations, but will still automatically reduce exposure when the warning line is hit to prevent a single heavy drop from eroding accumulated results.

*The above scenario values ​​are all system logic demonstrations. The actual allocation ratio will vary depending on personal asset size, tax status and retirement schedule.

Method transparency

How we build trust: expose processes, not just results

Source

The model input data comes from public exchange quotations, trading volumes and officially announced macroeconomic indicators. All data sources are traceable and no undisclosed or unauthorized information is used.

Security protection mechanism

Account information is stored in layered encryption, and system operation records are retained for subsequent review. Major configuration adjustments require a double confirmation process before being implemented.

Compliance statement

The analysis and recommendations provided by this platform are for asset allocation reference only and do not constitute individualized investment advice. Actual decisions are still recommended to be confirmed with a certified financial advisor before execution.

FAQ

Regarding system operation and risk control, the most frequently asked questions by retirees

Will the smart stop-loss mechanism cause frequent transactions and increase costs?

The system design is based on the principle of reducing unnecessary adjustments. It will only be triggered after it deviates from the normal fluctuation range and lasts for a certain period. The number of adjustments in most months is relatively limited.

If I am retired and cannot afford any losses, is this system suitable for me?

No mechanism can completely eliminate the risk of market volatility. We recommend that you clearly communicate your risk tolerance during consultation, and the consultant will help evaluate whether a more conservative allocation is needed, and may even recommend that some funds be maintained in low-volatility instruments.

Can the judgment basis of the AI ​​prediction model be publicly queried?

The data sources and trigger logic used by the model will be explained in writing during the consultation process. You can also ask to see historical adjustment records and corresponding trigger reasons.

Will the assets be converted into cash or other assets after the stop loss?

Depending on the allocation objectives, the system may convert the position into low-volatility fixed income instruments or cash equivalents. The actual practice will be confirmed with the advisor and will not be unilaterally and automatically converted to products without consent.

Do I need an investment or technology background to use this system?

The interface design is mainly based on simplified digital presentation. The main purpose is to allow you to understand the current risk status. Operational decisions are still assisted by consultants. You do not need to operate a complex trading interface by yourself.

Will 澄算通 guarantee that there will be no losses?

We will not and cannot guarantee that we will never lose money. There are risks in any investment. Our role is to control possible losses within your acceptable range through data and processes.

If you still have questions about the system logic, please feel free toContact the advisory team directly, we will explain possible allocation methods based on your actual asset status.

Discuss your retirement asset allocation with an advisor, starting with understanding your risk profile

Fill in the following information and we will contact you within one working day from a consultant with relevant experience to explain how the system can be customized based on your cash flow needs.

The consultation process does not involve the sale of any financial products, but only provides system logic description and risk assessment suggestions.