Sillage Fondivo continuously analyzes financial markets using predictive models, in order to adjust your investments without ever charging management fees on your earnings. You keep all of your profits.
Understand the impact of fees
Traditional establishments generally charge between 1% and 2% management fees per year. This figure seems low at the time, but it is repeated every year and mechanically reduces the amount that remains invested and which can, in turn, generate gains. Over twenty years, this cumulative effect can represent a significant part of the potential growth of a portfolio.
Sillage Fondivo operates without commissions on transactions or annual management fees. Allocation decisions are made by artificial intelligence models that analyze market data continuously, allowing active management to be maintained without passing the cost on to your savings.
Fees accumulated over 20 years, for an initial capital of €50,000
Illustrative estimate based on hypothetical average growth of 6%/year before fees. Simulated performances are not indicative of future results.
What the platform does
Each functionality has a concrete objective: to better anticipate, better protect and better react, to preserve savings built over several years.
Our models analyze long series of market data to spot trends before they become visible to the general public, and adjust your positions accordingly.
Every decision goes through automated risk control, which limits your portfolio's exposure during periods of high volatility in order to preserve accumulated savings.
Allocations are recalculated several times per day and each adjustment is reported to you, without you having to constantly monitor your investments.
How it works
The logic behind each decision remains the same, whether it's a small rebalancing or a more significant change in strategy.
We aggregate global financial flows: market prices, macroeconomic indicators and historical volatility, updated continuously.
This data is compared to thousands of historical scenarios to identify correlations relevant to your investment profile.
The strategy chosen is applied directly to your portfolio, without commission charged, depending on your horizon and your family objectives.
Proof by calculation
Here is a numerical example, for educational purposes, to compare the effect of management fees on the same amount invested.
| 10-year scenario | Sillage Fondivo | Traditional banking |
|---|---|---|
| Initial capital | €10,000 | €10,000 |
| Hypothetical average growth | 6%/year | 6%/year |
| Annual management fees | 0% | 1.5% |
| Estimated value after 10 years | €17,900 | €15,530 |
| Fee variance | ≈ €2,370 remaining in your savings | |
In this illustrative scenario, the difference of €2,370 does not come from any additional risk-taking: it corresponds solely to the absence of commission charged each year. Over longer periods, this gap continues to grow.
Example for educational purposes, based on a hypothesis of constant growth. It constitutes neither a guaranteed projection nor personalized investment advice.
Frequently asked questions
Your funds are held by a depository institution separate from Sillage Fondivo, in accordance with industry practices. Data exchanges between your account and our platform are encrypted, and access requires enhanced authentication.
Our analysis infrastructure is shared on a large scale, which greatly reduces the processing cost per user. Our income comes from additional services intended for institutional investors, without any commission ever being taken from individual accounts.
Yes. The platform was designed to be accessible without a high minimum amount or prior financial knowledge. Each allocation adjustment is explained in plain language, so you always understand the logic behind it.
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