Keep 100% of your yield
Dobitura combines real-time data analysis with proven risk assessment algorithms to make retirement savings more stable without management or transaction execution fees.
Dobitura combines real-time data analysis with proven risk assessment algorithms to make retirement savings more stable without management or transaction execution fees.
Management fees seem negligible when expressed as a percentage, but their effect is cumulative each year on an ever-increasing capital base. The table shows the difference between the usual fee of 2% and the model without fees, on a hypothetical example of savings of EUR 50,000 with an assumed gross return of 5% per year.
| Period | Value without fee (0%) | Value with fee (2%) | The difference |
|---|---|---|---|
| The beginning | 50,000 EUR | 50,000 EUR | 0 EUR |
| 5 years | EUR 63,814 | EUR 57,964 | 5,850 EUR |
| 10 years | EUR 81,445 | EUR 67,196 | 14,249 EUR |
| 15 years | 103,946 EUR | 77,898 EUR | 26,048 EUR |
| 20 years | 132,665 EUR | EUR 90,305 | 42,360 EUR |
The calculation assumes a constant gross yield of 5% per year and a fee calculated on total assets. Actual returns depend on market conditions and may be lower or higher than the stated assumptions.
Dobitura was developed as an analytical layer between the user and the market. The platform processes portfolio data, market movements and volatility and generates recommendations based on risk assessment models rather than price direction predictions.
The goal of the system is not the maximization of short-term returns, but the stability of capital over a long period of savings, with a transparent presentation of each recommendation and the reason behind it.
The algorithm does not try to guess the direction of the market. Instead, it continuously assesses the level of risk in the portfolio and suggests adjustments that reduce exposure before volatility becomes a problem.
Instead of ratings and testimonials, we explain what the decision consists of. Each recommendation can be traced back to the specific input data and the rule that triggered it.
The interface is deliberately simplified. Each decision remains under the control of the user, with a clear insight into the reason for each recommendation.
The user enters the existing portfolio, the time horizon of savings and the level of acceptable risk. The procedure takes a few minutes and does not require technical knowledge.
The system processes the data and proposes portfolio adjustments with a clear explanation, presented in simple language, without financial jargon.
After confirmation by the user, the transaction is executed without charging a management or execution fee, with a record of the change available in the account history.
The fee-free model often raises doubts, so here we directly explain the business model and platform limitations.
Operating costs are covered through a high degree of process automation and contractual relationships with partner brokerage houses that execute transactions, which makes the cost per user significantly lower than traditional portfolio management with human supervision of each position.
Not. The algorithm assesses risk continuously, in real time, while traditional portfolio management typically involves periodic, less frequent review. The absence of a fee refers to the billing model, not the level of analysis.
That. Each risk model works on the basis of historical and current data and cannot exclude the possibility of error or an unexpected market event. That is why the user always confirms the execution before the change is implemented.
Not. Any investment involves the risk of loss of value. The system is designed to reduce exposure to sudden falls, but does not eliminate investment risk entirely.
Users who want to manage retirement savings at a low cost and clear insight into the logic of decisions, without the need for daily market monitoring.
Time spent out of the market or under high fees is not recoverable — every year of delay means a smaller base for future interest returns.