Predictive Risk Management
Zoeflax copy-trades from established, top-performing AI strategies and applies automated risk thresholds, so your capital is managed with the same discipline in a falling market as in a rising one.
Designed for UK investors aged 55 and over who prioritise capital preservation over speculative upside.
The Challenge of Market Timing
Most retirees are not short of financial knowledge; they are short of time to watch markets minute by minute. Decisions made under stress — selling after a drop, or holding too long out of hope — are well documented causes of underperformance over a full market cycle.
Zoeflax removes the emotional step from day-to-day positioning. The underlying strategies are selected and monitored by predictive models that evaluate thousands of data points continuously, then recommend adjustments based on defined thresholds rather than sentiment.
The Mechanics
Each component below exists to limit exposure to a single misjudgement — whether human or algorithmic — by distributing decisions across data, assets, and defined boundaries.
Market data, volatility indicators and macroeconomic signals are processed continuously, allowing the system to detect shifts well before they appear in a weekly statement.
Capital is spread across multiple vetted strategies rather than a single approach, so underperformance in one area is offset by others rather than compounding losses.
Every strategy operates within fixed drawdown and exposure limits. When a threshold is reached, positions are automatically reduced rather than left to discretion.
Onboarding
Connect an existing brokerage account or open a new one through our supported partners. No funds are moved until you have reviewed the proposed allocation.
Choose from a short list of strategies, each graded by historical volatility and drawdown profile, matched to a stated capital preservation objective.
Review performance and risk metrics through a monthly summary, with the option to adjust strategy weighting or pause automated trading at any time.
Evidence and Methodology
Human decision-making is subject to recency bias and loss aversion, both of which are well studied in behavioural finance. Predictive models do not avoid error entirely, but they apply the same criteria consistently, across every market condition, which removes a significant source of variance from long-term outcomes.
Price history, volatility indices, interest rate movements and sector correlation data are refreshed throughout each trading session.
Strategies are back-tested against multiple historical cycles, including periods of sustained downturn, before being made available for copy-trading.
Model outputs are periodically compared against realised performance, and strategies that drift outside expected parameters are flagged for review.
Analysts monitor the model's recommendations; automation handles execution speed, not final accountability.
Illustrative representation of strategy drawdown recovery across a simulated market cycle. Actual results vary by strategy and market conditions; past performance does not guarantee future returns.
Common Questions
Funds remain held with your connected, FCA-regulated brokerage account at all times. Zoeflax does not take custody of client funds; it provides the analytical signals that direct trades within the account you control.
Withdrawals are governed by the terms of your brokerage account, not by Zoeflax. You may pause automated trading or close positions whenever your broker's standard settlement terms allow.
Each strategy operates against a defined set of risk and performance thresholds. When market data crosses one of these thresholds, the system recalculates exposure and executes a rebalancing trade, without requiring a manual decision at that moment.
Review the available strategies, their historical drawdown profiles, and how automated diversification applies to your circumstances. No commitment is required at this stage.
Review the Strategy