Lys Phormuedom analyzes market data in real time and puts together a portfolio adapted to your life situation. You get started in less than 60 seconds, without having to read up on technical language or follow the market yourself.
No binding. You see your proposal before you decide on anything.
You retain control. The technology takes care of what is time-consuming and difficult to keep track of manually.
The system continuously assesses how much risk is reasonable given your savings horizon and your goals. When the market moves more than usual, the composition is gradually adjusted, so that the fluctuations in the value of your portfolio are kept at a level you have accepted in advance.
Instead of checking the rates yourself, you get a tool that reads market data continuously throughout the day. You don't have to be glued to the screen to see if anything has changed regarding your savings.
Large amounts of financial information are translated into few, clear figures and a brief explanation in Norwegian. You will know what has happened to your portfolio, and why, without having to interpret graphs or technical reports yourself.
You don't need to understand how the models calculate. You just need to answer a few simple questions about yourself.
You answer a few questions about your savings target, time horizon and how much fluctuation you are comfortable with. This normally takes less than a minute.
The system collects up-to-date market data and calculates a composition that suits your answers, with an emphasis on stability rather than speculation.
You will be presented with the proposal with a simple explanation of the choices that have been made. You decide for yourself whether you want to proceed.
The goal is stable growth over time. Predictive models are used to mitigate the effects of strong market movements, not to time short-term gains.
The models look for patterns that have historically preceded periods of market turmoil, and gradually adjust exposure ahead where possible.
Changes to the portfolio are made in small steps over time, so that you avoid sudden and unnecessary fluctuations in value.
The recommendations are built around savings horizons of several years, not short-term speculation in individual shares or trends.
The portfolio is continuously monitored, and you are notified if something requires your attention or an active choice from you.
Your money is managed through ordinary, regulated financial instruments. Lys Phormuedom does not take positions that are not explained to you in advance.
Lys Phormuedom only collects information that is necessary to give you a relevant recommendation: savings target, time horizon and risk tolerance. The data is not used for any other purpose and is not shared with third parties for marketing purposes.
At any time, you can ask for an explanation of why your portfolio looks the way it does. The answer is given in words, not just in numbers.
All costs related to management are shown together before you decide, so you know exactly what you are paying for. We do not use advanced models to hide how decisions are made. You must understand why the system recommends what it does.
Your funds are invested through ordinary, regulated financial products. Lys Phormuedom does not take any positions that are not explained and visible to you in advance.
Yes. You have ongoing access to your overview, and withdrawals are handled in the usual way through your account, with no lock-in period on our part.
The models assess market data against the goals and risk tolerance you have specified. All recommendations are followed by a short, understandable rationale.
No. You answer a few simple questions and the system does the rest. The explanations you get along the way are written in standard Norwegian.
The system is built to reduce, not eliminate, fluctuations. During turbulent periods, the composition is gradually adjusted to moderate the effect on your portfolio.
It takes less than a minute to answer the questions needed to set up a portfolio tailored to you. You do not commit to anything until you have seen the proposal.
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