Senatoption learns the income and expenditure data of freelancers and sole proprietors to reduce the time and judgment burden of manual asset management. We support the design of stable fund management with a focus on prediction accuracy and risk management.
Freelance income is generated on a project-by-project basis, so the timing and amount of payment are not constant. Many business operators check market conditions in their free time and decide on allocations based on their experience, but this method tends to lead to variations in judgment and opportunity losses, and it also increases the burden of continuous review.
Senatoption provides a mechanism to entrust this decision process to AI. It continuously learns income and expenditure data and risk tolerance, and automatically reflects surplus funds generated between projects in the allocation design.
It learns by combining the risk tolerance answers collected during initial setup with actual deposit and withdrawal patterns. If market conditions or personal financial situations change, the allocation policy is not a fixed rule, but is adjusted gradually according to the learning results.
It integrates everything from data capture to allocation optimization and future forecasting, reducing the effort required for decision-making.
We continuously import deposit and withdrawal information from bank accounts and securities accounts, as well as market data, and instantly reflect changes in your financial situation. No manual entry or transcription is required.
Compare the volatility of each asset allocation with the set risk tolerance and visualize it as a quantitative score. You will be notified if there is an unacceptable bias.
We calculate an individual allocation ratio that balances short-term liquidity and medium- to long-term growth based on the expected project income and fixed cost payment cycle.
Based on past data and market trends, we present multiple scenarios of asset trends over a certain period of time. Forecasts are updated regularly as assumptions change.
We will explain the learning and verification process behind the word "automatic" step by step.
Connect account information and market data to centrally understand the inflow and outflow and holding status of funds.
We compare the initial survey with actual financial behavior and continually estimate the acceptable range of fluctuation.
Generates an allocation proposal based on your estimated risk tolerance and executes it within set conditions.
Compare execution results with changes in market conditions and periodically review model weighting.
We will show you how Senatoption works in three situations relevant to freelance practice.
Immediately after receiving a large deposit, it is a time when funds tend to accumulate temporarily until the next payment cycle. Senatoption secures the short-term necessary living and business expenses and then reflects the remaining surplus in allocation according to risk tolerance.
Since you can know in advance when income tax and consumption tax will be paid, you can plan to secure the necessary amount and use the remaining funds for investment. We adopt a system that gradually shifts to a more liquid allocation as the tax deadline approaches.
Apart from income from one-off projects, for funds you want to accumulate over the medium to long term, you can set an allocation policy that does not overly react to short-term market fluctuations. Once set up, we limit the frequency of reviews and only perform periodic re-evaluation.
We will answer questions about data handling and the basis for algorithmic decisions, which are frequently asked when considering implementation.
Account linking is done through encrypted communication, and the acquired data will not be used for any purpose other than analysis. Access to stored data is restricted to authorized processes.
Each allocation proposal is marked with the referenced risk score and recent data changes. Although not all judgments are disclosed on a formula-by-formula basis, you can check the main indicators behind the judgments.
The time it takes to withdraw funds varies depending on the nature of the assets to be allocated. For funds needed in the short term, you can set a separate allocation category that prioritizes liquidity, making it easy to handle sudden withdrawals.
Senatoption entrusts the design of the allocation of funds between projects to AI, reducing the burden of continuous review. First, check the analysis based on your current financial situation.