NarivoxaroPro dashboard visual representing automated market analysis for retirement portfolios
AI-Driven Allocation Timing

Automated Investment Timing for Retirement Portfolios

NarivoxaroPro analyses market data continuously and allocates capital using predictive entry models, replacing fixed-date contribution schedules with data-driven timing.

Market data refreshed every 60 seconds
Methodology

Automated Dollar-Cost Averaging, Guided by Predictive Entry Points

Instead of investing a fixed amount on a fixed date, NarivoxaroPro spreads contributions across smaller, model-timed entries. Each entry is placed when short-term volatility indicators suggest reduced downside exposure.

  • 01

    Data Collection

    Price, volume, and volatility data are pulled from linked market feeds on a rolling basis.

  • 02

    Entry Point Analysis

    A predictive model scores current conditions against historical volatility patterns.

  • 03

    Automated Execution

    Contributions are released in tranches when the entry score clears the configured threshold.

Spreading entries reduces the impact of any single poorly timed contribution. This does not remove market risk, but it lowers the risk associated with timing.
NarivoxaroPro analyst reviewing market data used for automated allocation decisions
Technical Capabilities

Three Modules Behind Every Allocation Decision

Each module runs independently and reports into the allocation engine, which makes the final entry or hold decision.

Real-Time

Real-Time Analysis Module

Ingests live price and volume data to detect short-term volatility shifts as they occur, rather than at end-of-day.

Refresh cycle60 seconds
Forecasting

Predictive Modelling Module

Scores current conditions against historical volatility patterns to estimate the relative risk of entering now.

OutputEntry score 0–100
Execution

Automated Execution Module

Places tranche purchases once the entry score clears your configured threshold, without manual intervention.

Trigger basisThreshold-based
Transparency

How Entry Points Are Identified

The table below shows the general logic categories the model applies. It is illustrative of the decision framework, not a record of specific trades.

Market Reading Signal Interpretation Allocation Response
Stable price, low volatility Neutral conditions Standard tranche released
Sharp decline, elevated volume Potential value entry Increased tranche released
Rapid rally, thin volume Possible overextension Tranche held, reassessed next cycle
Extended volatility spike Elevated uncertainty Allocation paused pending confirmation

Decision Logic Flow

Every cycle follows the same sequence, so the process stays auditable and consistent.

Data InputVolatility CheckEntry ScoreExecution or Hold

Security & Access

Account linkage is read-only for analysis; execution permissions are scoped separately and can be revoked at any time.

256-bit encryption Read-only account linkage Two-factor authentication
Use Cases

Two Common Retirement Scenarios

The allocation logic adjusts depending on whether you are contributing capital or drawing an income from it.

Lump Sum Allocation

After a pension transfer or maturing investment, a single deposit is split into staged entries over a defined period, rather than invested on one date.

This applies within Stocks & Shares ISAs, SIPPs, and General Investment Accounts.

SetupSame business day

Drawdown Management

For those already withdrawing income, remaining capital is re-balanced using the same volatility-aware logic, aiming to avoid forced sales during downturns.

Withdrawal schedules can run alongside the allocation engine.

Review cycleContinuous
Questions

Safety, Liquidity, and AI Autonomy

These are the questions we hear most often from people considering automated allocation for retirement funds.

Can the AI lose access to my funds?

No. Execution permissions are limited to placing trades within your linked account. NarivoxaroPro cannot withdraw funds to an external account, and access can be revoked at any time from your settings.

Is my capital held by NarivoxaroPro directly?

No. Capital remains within your own ISA, SIPP, or General Investment Account at your chosen custodian. NarivoxaroPro connects to that account to analyse data and place allocation instructions.

How liquid is my money while the model is working?

Uncommitted portions of a lump sum remain in cash equivalents until an entry signal is triggered. Already-invested amounts follow the liquidity terms of the underlying holdings.

Does the AI act without any oversight?

The model operates within thresholds you set, such as maximum tranche size and pause conditions. You can review every allocation decision and adjust or suspend the strategy at any time.

What happens during extreme market volatility?

The execution module includes a pause condition for extended volatility spikes, holding new entries until conditions stabilise, as shown in the methodology table above.

Which account types are supported?

Stocks & Shares ISAs, SIPPs, and General Investment Accounts are currently supported for read-only linkage and automated execution.

Have a question not covered here? Contact our team via the About page.

Next Step

Review Your Allocation Strategy Before Your Next Contribution

Set up read-only account linkage, define your allocation thresholds, and let the model handle entry timing from there.

Compatible with: Stocks & Shares ISAs, SIPPs, and General Investment Accounts.

Start Automated Allocation

Leave your details and we will guide you through account linkage and threshold setup.