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The project consists of several parts:
1. Assessment of the risk appetite of the potential investor, on the basis of the neural network evaluates the answers to dozens of questions.
2. The selection of the underlying investment portfolio based on risk appetite of each individual.
3. Contracts for the necessary rebalancing of the portfolio as changes in the risks of the securities in the portfolio.
4. Search for customers using free and paid workshops in the cities TON15 population.
The first part is implemented with the exception of large-scale testing involved users to train the neural network.
The second part is implemented is estimated at 60%.
Funding is needed for
1. Of obtaining a brokerage license FFMS
2. Attracting a wide range of people-testers for learning algorithms of risk assessment.
3. The purchase of necessary equipment to host within the data center used by Moscow exchange for the temporary reduction of transaction costs.
4. Hiring professionals to migrate source code from a legacy platform.
A full refund taking into account a discount rate of 10% per annum — 6 years.
The annual profit of the business at the time of return of the investment without regard to possible optimization — 36.7 M a year. The volume of investments in the management of 830М involved, 35M private.
Repayment schedule of borrowed funds:
January 2019 January 2020 7M 9M
January 2011 16M
January 2022 23M
Full repayment – October 2022 – 23.55 M
Total yield to raised funds – 57.1%
Simple annual yield – 9.5%
Market analytics
At the moment Russian brokers do not provide the ability for automatic selection of the portfolio. According to our estimates, this market will have explosive growth after the return to Russia of "long" foreign money.
The second factor positively influencing the future: Modern brokers are not much interested in attracting a group of investors with deposits 50-150K.
Analogues in the Russian Federation no.
1. Charge a % of capital under management.
2. Investment income received in accordance with their own risk assessment strategy.
3. Cost reduction through optimization of borrowed funds.
1. Regional workshops on basic financial literacy to attract the mass of investors with deposits up to 150 thousand rubles.
2. % collected from customers may be significantly smaller vs formulas 2 to 20, 2% of capital per year + 20% of the profits.
3. Automation will allow you to work with clients willing to invest very small amounts with minimal cost.
Russia
Project price: 100 000 000
Investments volume: 50 000 000
Stage: Project is at development stage
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Lobachev Denis Sergeevich
