PatnorelLéi continuously reviews your financial data to provide you with prudent recommendations, without ever replacing the judgment of an advisor.
The market context
Market movements in recent years have made it more difficult to estimate a consistent retirement income. An allocation that has been frozen for ten years does not always react appropriately to a different rate or inflation context.
PatnorelLéi processes these variations in the background, updating its models every business day and alerting you to significant deviations before they affect your capital, rather than leaving you to react after the fact.
What the platform does
The model cross-references market indicators, your portfolio composition and your withdrawal horizons to flag excessive exposure before it translates into an actual loss.
Your positions are updated at each session close. You see a clear summary table, without technical jargon, rather than a raw data feed.
When the weighting of an asset class deviates from your initially defined prudence profile, a rebalancing proposal is submitted to you for validation.
Our method
You link your existing accounts and contracts, or send us your statements. The platform consolidates everything into a single, automatically updated view.
The algorithm evaluates your portfolio's sensitivity to different market scenarios and compares the result to your stated risk tolerance.
A readable report is given to you each month. Any recommendation for adjustment remains subject to your agreement, with the support of an advisor if you wish.
About PatnorelLéi
PatnorelLéi was designed to address a specific concern: to give savers close to retirement a clear view of their risk exposure, without overwhelming them with technical terminology.
Our models do not make any decisions for you. They prepare the information, put it into perspective and give it to an advisor or you for a final decision.
See the benefits in detailFrequently asked questions
The model produces recommendations, never automatic irreversible decisions. Each adjustment suggestion is presented to you with its reasoning and awaits your validation before any execution.
Yes. The platform does not tie up your capital in blocked investments. You maintain the liquidity provided by the contracts and accounts you have chosen upstream.
No. The interface has been designed for simple consultation on computer or tablet, with telephone support available if you prefer an advisor to guide you step by step.
An initial discussion allows us to understand your financial serenity objectives and to check whether our approach corresponds to your financial situation, without commitment on your part.
Our advisors answer you from Monday to Friday.
Full contact details available on the “About” page.