Data Analysis of Personalized Investment Decision Making Using Robo-Advisers

Abstract

Introduction.Nowadays, the problem of the optimal balance between consumption and savings, transformed into investments is solved by using automated systems for making investment decisions, such as roboadvice ser vices which have the mathematical algorithm based on the main principles of consumptionsavings theories.Problem Statement. The task assignment of developed IT service is to maintain a constant level of client's consumption during lifelong period through automated analysis of how much he/she has to consume and save each year. Results of consumption and savings proposals can be modified if initial financial data changes.Purpose. To develop investment plan of investors' profiles taking into account their risk preferences using data analysis of roboadviser service.Materials and Methods. SWOTanalysis of roboadvice (RA) services and comparative characteristics of roboadvisers explain advantage of RA services. Microservice for calculating stable consumption, finance con sulting model of roboadvisor to ensure a constant level of consumption for the client are developed using the following technologies: Python 3.6, Django 2.0, Django Rest framework, AngularJs, HTML5, CSS 3, Bootstrap.Results. We considered consumptionsaving ratio in economics, emerging trends of roboadvice (RA) services for making investment decisions. A mathematical model of roboadvisor in longrun period was developed and the support of investment decision making was described using microservice of roboadvisor.Conclusions. The development RA is intended primarily for private persons (investors) who invest in long term financial instruments in order to provide them with a permanent passive income based on their chosen sa vings period and the moment of retirement. K e y w o r d s : roboadvisor, data analysis, long life decision making, annuity.the problem of the optimal balance between consumption and savings, transformed into investments, is one of the most important issues on all levels of economic system. this is explained by the fact that the equivalence between consumer and savings flows provides for internal and external equilibrium in the economics, and, therefore, a balanced economic growth and increase of economic and social welfare. as a result, the scholarly ap-

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Data Analysis of Personalized Investment Decision Making Using Robo-Advisers

“…Main types of investors include risk-averse investors (2), risk seeking investors (3) and hybrid type of investors (4) which combines previous ones. These types of investors are correspondingly described by following conditions [24,25]:…”

Data Analysis of the Profitability of Financial Instruments to Develop Financial Solutions to Investors With Different Risk Attitudes

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“…Ця штучна інтелектуальна система, спрямована на прийняття рішень основана на алгоритмах, які збирають великі кількості даних. Головний принцип послуг робо-едвазингу -це складання профілю клієнтів та виявлення допустимого рівня ризику, ґрунтуючись на результатах он-лайн анкетування, кластеризації основних груп клієнтів за профілем їх уподобань щодо доходності і ризику та отримання користувачем рекомендованого портфелю, складеного, здебільшого, з дешевих акцій біржевих інвестиційних фондів (ETFs) [6][7][8].…”