Saldunep connects depots and accounts across multiple trading venues into a single, consolidated overview. This means you can pursue an asset strategy without checking prices every day or being an analyst.
Start your free analysisAnyone who spreads assets across multiple brokers, banks and trading venues quickly loses track of the actual risk in the overall portfolio. Manual comparisons between platforms are time-consuming and error-prone, especially under time pressure in everyday family life.
Saldunep takes over this merger as a central AI instance. Market data from all connected sources is continuously evaluated and condensed into comprehensible, low-risk recommendations for action - without emotional distortion caused by short-term price movements.
Saldunep brings together holdings from different depots and exchanges via real-time data consolidation. The result is a single, reliable source for the entire family wealth - including risk exposure per asset class.
Instead of managing multiple apps and credentials, you see metrics like diversification, volatility and cluster risk in one place. Changes to individual accounts are automatically included in the overall rating.
Saldunep's recommendations are based on a three-step, comprehensible process - technically sound but explained without technical jargon.
Price, volume and fundamental data from all connected accounts and trading venues are continuously recorded and converted into a uniform format.
Statistical models evaluate fluctuation ranges, correlations and concentration risks within the overall portfolio over different time horizons.
The model results produce concrete, prioritized suggestions for action to adapt the asset strategy - for testing, not automatic execution.
Access to connected accounts occurs via encrypted, read-only interfaces. Saldunep does not store access data in plain text and processes data exclusively for analysis within the platform.
Data transmission and storage follow established encryption standards common in the German financial sector.
Data processing and server locations are based on German and European data protection law.
All recommendations require conscious confirmation. The final decision remains with you if you wish.
The following examples show how Saldunep supports typical financial decisions in a family context.
For long-term savings goals, such as a child's education, Saldunep continually assesses whether the investment structure fits the remaining time horizon and suggests adjustments before deviations become relevant.
Based on existing deposits and savings rates, it is estimated whether the planned retirement provision is on track. Gaps that are identified early can be closed with smaller, planned adjustments.
Shifts between asset classes that result from price movements over time are identified. Saldunep proposes concrete reallocations to maintain the originally selected risk level.
Saldunep supports the connection of several common brokers and custodian banks via standardized, reading interfaces. New connections are added regularly; A current overview is available via customer contact.
The models are based on historical and current market data and provide probabilities, not guarantees. Each recommendation is presented with the underlying reasoning so that it can be understood and questioned if necessary.
The platform is designed for a low-touch model. A weekly review of less than 15 minutes is usually sufficient to review and, if necessary, confirm recommendations.
An initial analysis shows how your existing portfolios and accounts can be presented in a consolidated overview and where the greatest concentration of risk currently lies.
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