BiRobot

An automated wealth management solution combining personalized allocation with conditional rebalancing.

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In recent years, robo-advisors have become a mainstream way to invest and manage wealth.

Robo-advisor systems ask a series of straightforward questions,
covering the client's investment experience and attitude toward gains and losses,
to understand the risk level the investor can take on,
and finally the system automatically delivers a recommended portfolio.

SoftBI takes robo-advisory to a new level

The leading robo-advisor provider in Greater China

Our robo-advisor covers a wide range of investment themes and products, and tailors the most suitable portfolio to each individual based on subjective factors (age, investment sophistication, total AUM, etc.) and risk profile.
When combined with BiSQS and the BiIAS investment advisory service, AI models and big-data analytics identify the markets with the most favorable forward outlook, then screen high-quality products inside those markets to build portfolios balancing risk and expected return.
Rebalancing keeps a client's investments in good shape over the long run. Beyond the periodic automatic rebalancing, the system continuously monitors each client's portfolio against hundreds of preconfigured trigger conditions, rebalancing as market conditions demand, so the client's gains are properly protected.

Key Features of the SoftBI Robo-Advisor

Diverse Planning Types & Products

Short-, medium-, and long-term investment planning; thematic planning (income-paying, industry themes, market themes, etc.); and retirement planning. Supported products span mutual funds, ETFs, bonds, and more.

Style Portfolio + Individualized Allocation

Tailored allocation by age, investment sophistication, total AUM, and other factors — combined with different planning types (investment, retirement, goal-based, etc.) and time-horizon-specific allocations. The result is a personalized asset allocation that fits the client's needs at every life stage.

Dynamic Know-Your-Customer (KYC)

The system dynamically expands or contracts the KYC questionnaire based on the client's earlier answers, giving a more precise understanding of the client's profile and investment situation — and producing better-fitting automated recommendations.

Automated Investment Proposals

Once the robo-advisor produces a recommended allocation, the system mirrors the content into an electronic document that clients can download, review, or share on social media.

Comprehensive Personal Dashboard

Shows the client's full investment status — total current value, total cumulative P&L, per-portfolio current value and cumulative return, other account data, transaction history queries, and other planning features.

Easy Transaction Management

Clients can configure each investment plan as lump-sum or regular-fixed-amount, look up account-level management fees or other fees, and review and confirm all pending rebalancing orders to complete the trade.

Real-Time Investment Notifications

Surfaces investment updates — trade-status acknowledgements, debits, order notifications, portfolio rebalancing adjustments, and periodic top-up reminders.

Before: research teams overloaded with painstaking work

Research teams working alone

  • Product screening
  • Forming a market view
  • Forecasting the outlook for global investment markets
  • Constructing portfolios across categories

Each of these tasks takes a research team a significant amount of time — and after their day-to-day work is done, there often isn't enough time or energy left to take any of them on.

After: less research time, more complete system service

Combined with BiSQS and the BiIAS investment advisory service

With the powerful SoftBI BiSQS system, experts can complete the work above effortlessly, sharply reducing the time and energy needed to support the robo-advisor. If experts need additional support, the BiIAS investment advisory service delivers a fully compliant solution — the bank's experts only need to review and approve the output produced by BiIAS. Several banks already work with SoftBI in exactly this model.

Who Uses the System

Banks and brokerages

Success Stories

Robo-Advisor
BiRobot: SoftBI Robo Advisor

Bank O

Taiwan's first online automated wealth management service

Taiwan's first robo-advisor system

The SoftBI Robo Advisor was Taiwan's first robo-advisor system. It uses AI market forecasting models to identify the best markets, applies the mainstream mean-variance return/risk optimization for asset allocation, picks top-performing products using a fully objective SmartBeta framework, and then puts nearly a hundred monitoring triggers in place to watch the portfolio. SoftBI's BiRobot system gave Bank O Taiwan's first online automated wealth management service — and to this day it remains the most distinctive and capable robo-advisor service in the market.

Bank M International Commercial

Portfolio allocation in 3 minutes

The robo-advisor service of choice

The robo-advisor SoftBI built for Bank M International Commercial precisely captures client information through dynamic Know-Your-Customer. Paired with a wide range of planning types and products — from short- to medium- and long-term, across every kind of theme — investors get more diverse options that map more closely to their personal needs. On top of that, the SoftBI BiRobot system can automatically generate investment proposals, so investors get an electronic file of the recommended allocation right away. The first choice for robo-advisor services.