Bubble Portfolio puts a true quantitative portfolio manager in your pocket—without ever taking control of your accounts. An AI copilot, illustrative flat fees (€0–10/month), and pro‑grade tools that quietly shift power back to individual investors.
Bubble Portfolio: the AI copilot that helps you manage your portfolio… without ever taking control of your money
Imagine a tool that works like a professional portfolio manager, but stays a pure copilot: it helps you think, runs the numbers, suggests ideas… and you keep 100% control over your accounts and your decisions.
That is exactly what Bubble Portfolio does.
Bubble Portfolio is an AI‑powered investing platform that helps you:
- find stocks or ETFs that match your ideas;
- test different strategies on historical data;
- see how everything fits into your overall wealth;
- turn those decisions into concrete orders at your brokers;
- monitor and adjust your portfolio over time.
All this with a fixed, illustrative subscription of €0 to €10 per month, instead of percentage‑based fees on your assets.
1. A 100% conversational experience
You do not need to code or master market‑finance jargon.
You simply talk to a conversational agent:
- You can say: “I want to add Japanese tech stocks, what should I look at?”
- The agent returns a list of candidates (stocks or ETFs) with simple explanations.
- You refine: you can exclude some names, ask for more dividends, more stability, or, on the contrary, more growth.
The idea is to start from your intuition and turn it into an understandable investment selection, without unnecessary jargon.
2. Testing strategies without being a quant
Once you have a list of stocks or ETFs, the real question becomes:
“How should I allocate between them? Which approach would have worked best in the past?”
Bubble Portfolio lets you test several approaches over more than 15 years of history, for example:
- a strategy that favours strong upward trends (momentum);
- a more cautious strategy that combines performance and financial strength;
- a more defensive approach that focuses on limiting major drawdowns.
The AI agent:
- compares these strategies over the long term;
- highlights a few key numbers (average return, largest drawdown, volatility) and translates them into plain language;
- explains the trade‑offs: higher returns but more roller‑coaster behaviour, or a smoother ride with potentially lower performance.
You do not need to know the formulas – what matters is understanding the overall behaviour of each approach.
3. Fitting these ideas into your real‑life portfolio
You never invest in a vacuum: these new ideas sit on top of a portfolio you already have (savings, tax‑advantaged accounts, brokerage accounts, etc.).
Bubble Portfolio looks at your overall situation and helps you answer questions like:
- “Do I already have a lot of US equities?”
- “Am I adding more risk, or re‑balancing things?”
- “What share of my total wealth do I want to dedicate to this theme?”
The AI agent proposes target allocations that are easy to read, for example:
- 60% of the portfolio in a diversified ETF core;
- 20% in a specific theme (for instance, Japanese tech);
- 20% in a more defensive pocket.
You can accept, lower, or adjust these proposals until they fit your risk tolerance and your goals.
4. From theory to concrete orders at your brokers
Once you are comfortable with the strategy and the percentages, there is still the most tedious part to do by hand: turning all this into concrete orders.
Bubble Portfolio helps you:
- compute the number of shares to buy or sell for each ETF or stock, given your account size;
- avoid impossible cases (for example, an order for 1.23 shares when the broker only accepts whole shares);
- prepare ready‑to‑use order files or clear step‑by‑step instructions you can follow in your broker interface.
When brokers support APIs (Interactive Brokers, Alpaca, Saxo, etc.), Bubble can automate this step for its own internal accounts, and in the future for users once the required regulatory approvals are obtained.
In every case:
- your accounts remain at your brokers;
- Bubble never becomes a bank or a custody platform for your assets.
5. A copilot for monitoring and rebalancing
Investing does not stop on the day you place your orders.
Over time, some assets rise and others fall: your portfolio drifts away from its original target.
Bubble Portfolio:
- tracks how your portfolio evolves versus your objectives;
- alerts you when the drift becomes significant (for example, when a position has grown too large);
- suggests clear rebalancing actions: what to trim, what to reinforce, and why.
You always remain the one who approves or rejects any action.
6. One platform, several user types
Bubble Portfolio uses the same engine for everyone, but the interface and use cases change depending on who you are.
6.1. Individual investors
For individuals, Bubble looks like:
- a financial chatbot that speaks normally;
- a clear dashboard showing your progress, allocations, and main risks.
You can use the platform to:
- understand the impact of fees over 10–20 years;
- compare simple investment strategies;
- build an ETF portfolio that matches your projects.
Plans are designed like a software subscription (illustratively €0–10 per month), not as a percentage of your assets.
6.2. Wealth advisors
For independent advisors and small firms, Bubble is:
- a multi‑client dashboard;
- a library of strategies that can be adapted to the advisor’s convictions;
- a way to industrialise the calculation work while keeping human advice at the centre.
The goal is for advisors to spend less time wrestling with spreadsheets, and more time explaining and guiding.
6.3. Asset managers and funds
For asset managers, Bubble is used as:
- an idea generation and portfolio construction engine;
- a tool to create target allocations that are then executed in their own internal systems.
They keep their existing execution, compliance, and reporting processes, while relying on Bubble’s engine for the analytical layer.
7. What Bubble does… and what it does not
It is important to be clear about Bubble’s role.
7.1. What Bubble does
- Analysis: the AI helps analyse markets, compare strategies, and understand how different portfolios behaved historically.
- Portfolio construction: Bubble suggests pockets, ETF/stock combinations, and risk levels adapted to your profile.
- Monitoring: the platform watches for drift versus your targets and suggests adjustments.
- Education: every recommendation comes with a plain‑language explanation.
7.2. What Bubble does not do
- ❌ Bubble is not a bank: your accounts stay with your brokers (Interactive Brokers, Alpaca, Saxo, etc.).
- ❌ Bubble is not a discretionary manager: you stay responsible for your decisions; the platform provides decision‑support tools.
- ❌ Bubble is not a raw data provider: it relies on external data sources (such as Yahoo Finance or specialist screeners) and adds its own scoring and portfolio logic on top.
- ❌ Bubble does not promise to “beat the market every time” or to deliver guaranteed returns.
The ambition is not to replace your judgement, but to give you the same tools as professionals, with a level of transparency that traditional finance rarely offers.
8. A philosophy: discipline, transparency, long‑term thinking
Behind the product lie a few simple principles:
- Discipline: do not invest based on gut feeling, but with clear rules tested over the long term.
- Transparency: explain the strategies, show their limits, and acknowledge that markets remain uncertain.
- Accessibility: make professional‑grade tools usable by someone who has not studied finance.
- Alignment of interests: favour an illustrative fixed subscription (€0–10 per month) rather than percentage fees that grow with your wealth.
8.1. Why this is real investment democratisation
For a long time, “serious” investing rested on three privileges:
- Access to expertise: you needed to know a portfolio manager, a private banker, an advisor.
- Access to tools: screeners, backtests, optimisers lived in trading rooms, not on people’s phones.
- Fee structure: the wealthier you were, the more you paid in absolute euros.
Bubble takes these three privileges and flips them:
- expertise is embedded in an AI agent that explains its choices instead of hiding them;
- professional tools (portfolio construction, historical tests, risk monitoring) sit behind a chat interface, without jargon;
- fees become a software‑like subscription, decoupled from the amount of assets you have.
In other words, what used to be reserved for a small, well‑equipped minority (in time, network, and capital) becomes a basic service that anyone can use to make better decisions.
8.2. How this indirectly redistributes capital… and power
When the best tools are concentrated in a few hands, finance works like a pyramid:
- at the top, a small layer of institutions with sophisticated models, data, and traders that capture a large share of the value;
- at the bottom, millions of savers who get standard products, high fees, and partial information.
By giving individuals:
- the same quality of analysis as a professional manager;
- a clear view of fees and their cumulative impact over 10–20 years;
- the ability to keep their own accounts and decisions while benefiting from an advanced quantitative engine,
Bubble gradually helps to:
- reduce the share of value captured by intermediaries (through lower recurring fees);
- increase the share that stays in savers’ pockets, as capital that is no longer eaten away every year;
- give individuals a stronger voice in how their money is allocated (themes, sectors, regions, ethical constraints, etc.).
This is not an overnight revolution; it is a slow but deep shift:
as tools spread, the power to decide where and how capital is invested moves from a handful of concentrated actors… to millions of better‑equipped people.
Bubble is designed as an open laboratory: a platform that grows with its users, shares what it learns, and stays honest about what it can do – and what it will never be able to predict.
9. In short
Bubble Portfolio is:
- an AI copilot to build and monitor your portfolio, without ever taking control of your accounts;
- a way to turn simple questions (“I want to invest in Japanese tech”) into structured decisions;
- quantitative strategies wrapped in a conversational, understandable experience;
- a fixed, illustrative fee model (€0–10/month) that looks more like software pricing than traditional asset‑management.
If you have ever thought “I would like to invest more professionally, but I do not have the time or expertise”, Bubble Portfolio is built exactly for that situation: keeping you in the pilot seat, with a copilot that handles the heavy technical lifting for you – without ever taking your decisions away from you.
10. What next? Join the early‑access waitlist
Bubble Portfolio is still under construction, but the key pieces of this future copilot are already in place.
If you want to:
- be among the first to test a new way to manage your portfolio;
- see the concrete impact of fees and strategy choices over 10–20 years;
- help shape a tool built for individual investors rather than intermediaries,
you can join the “early access” waitlist and be among the first to access upcoming versions.
👉 Join the Early Access waitlist
The more investors are equipped with professional‑grade tools, the more finance starts to look like what it should always have been: a system serving the people who put their money into it, not the other way around.
