Mounir Laggoune
CEO of Finary
Mounir Laggoune
CEO of Finary
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July 27, 2022

Achieve financial independence with Predict

Gone are the days of retiring at 65, the new generation of investors is dreaming of financial freedom. With Predict, we put technology at the service of your future. A world first.

Discover Predict

At Finary, our mission is to enable every investor to reach their financial goals. We democratize customized asset management by making it accessible to all investors, whether they are beginners or experienced.

We started by creating the best app and web platform to centralize and automatically track one's portfolio. Today, we're taking a major step forward by adding a new string to Finary's bow: optimizing your investment strategy.

The best investors plan their goals precisely. They build their allocations to reach those goals as quickly as possible. Precise monitoring allows them to adjust their strategy according to market conditions and to keep their portfolio evolving.

To better understand your goals and needs, we surveyed 1500 of our users. The results of this study are fascinating:

  • the number 1 goal of the Finary community is to achieve financial independence
  • 57% of investors who want to achieve this goal do not have the tools to plan for it
  • 67% say they have difficulty measuring their progress towards this goal

Creating your goals, modeling hazards, wasting a lot of time in Excel, lack of confidence in the results... We've studied all your frustrations when trying to plan a goal. Your message is clear: there is no satisfactory solution.

That's where Predict comes in.

Predict makes financial independence accessible

Because we like to simplify our users' lives, we decided to invent a new way to plan for your future.

Predict is the first (and only) 100% automated and intelligent solution that allows you to create your personalized goals and track your progress. You benefit from the power of our Monte Carlo model, usually reserved for private bank clients. It will take you less than 60 seconds to plan your financial independence.

What is financial independence for Finary? It's being able to spend a fixed monthly amount of money with the confidence that your capital will never be completely consumed, until the end of your life (hopefully as late as possible). No need to work, your investments finance your independence!

This is the dream of many members of the Finary community. With Predict, you can bring it to life.

Predict models your financial independence

Predict, planning without the hassle

With Predict, you'll be able to build your financial independence plan like a pro, while saving precious time.

You'll start by defining your version of financial independence in less than 60 seconds. Key elements:

  • Expected monthly budget once financially independent
  • Assets allocated to this goal
  • Monthly savings effort

Predict launches 5000 simulations, based on our proprietary algorithms, to find the answer to the question you are all asking: at what age will you be financially independent?

Once our calculations are complete, the results are displayed.

It's a real guide to your independence:

  • Your future age of financial freedom
  • The accumulated capital you will be able to enjoy
  • A simulation of the evolution of your capital, before and after your independence
  • The real evolution of your capital (for your future follow-up)
  • The probability of achieving your independence
Predict: your guide toward independence

Discover predict

A fully customized high-level simulation

To achieve this result, we have evolved our algorithm, based on the probabilistic Monte Carlo model, so that it can analyze all financial independence scenarios.

The algorithm uses the historical performance of assets to simulate 5000 successive scenarios. The repetition of these random simulations provides a statistically reliable result, which also models extreme events like financial crises or exceptionally good years.

By compiling these scenarios, Predict is able to determine your age of independence. In other words: the algorithm goes through each possible age until it identifies the one that has a probability of more than 90% to become reality.

Since Predict is based on the assets you have specifically allocated to this goal, the result is completely personalized. Each member of the community will have a different version, corresponding exactly to their desires and assets.

We go even further by modeling future inflation, one of the key parameters of the coming years. We adjust your post-independence budget so that your purchasing power is not eroded by inflation.

Your capital evolution according to Predict

You're always on track

Remember the headache of tracking your goals? That's a thing of the past.
Predict automatically tracks the evolution of your capital, in real-time and 100% automatically. No more manual updates and no more hours spent fiddling with files!

Your objective is also kept up to date at all times. We re-calculate the probability of success according to the evolution of the market. Is the crisis getting worse? Your scenario is updated. The market rebounds strongly? Ditto!

Let's take an example: an initial simulation predicted your independence at age 38, with a capital of 1M€. An extended bear market triggers a new calculation. Our algorithm now predicts an independence date of 40 years, with slightly lower capital.

This is simply unique in the world!

When do you prepare for independence?

Predict is available on the Finary app today. You are only 60 seconds away from creating your optimized plan.

We're already working on other important goals for our community like growing wealth, preparing for a retirement supplement, or financing a real estate project.

Co-construct Predict with us by voting for the next goal and sharing your feedback with our community! (in 🇫🇷)

Discover Predict

Finary Predict simulates a projection of your wealth until your financial independence, based on historical data. This projection is not a forecast of the future performance of your investments. As a result, (i) the value of your investment may deviate from this projection, either up or down, and (ii) gains and losses may exceed the amounts shown. Finary also suggests ways to improve your performance based on this projection, but you alone are responsible for the decisions you make on this basis.

Edited by
Mounir Laggoune
CEO of Finary
Written by
Mounir Laggoune
CEO of Finary
Mounir is the co-founder and CEO of Finary. He is passionate about personal finances and shares his knowledge every Friday on BFM Business on the show Tout pour Votre Argent as well as twice a week on the Finary YouTube channel.

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