Personalized risk assessment model has been significantly upgraded, ushering in a new era of precise investment adaptation
TSAI
TSAI's new personalized risk assessment model embodies the outstanding achievements of many cutting-edge artificial intelligence technologies. Its core algorithm architecture has undergone deep optimization and innovative reconstruction. It not only continues the precise analysis of key factors such as traditional financial data (such as asset size, income level, debt situation, etc.), investment goals (short-term return expectations, long-term wealth planning, etc.) and investment time span, but also breaks through the inclusion of a series of multi-dimensional non-traditional data factors. Among them, the user's consumption behavior data covers rich information such as consumption frequency, consumer category preferences, and consumption amount fluctuations, which can reflect the user's consumption habits and financial stability from the side; the career stability data comprehensively considers the development trend of the user's industry, the competition in the employment market, the personal career promotion trajectory and other factors, and deeply understands the sustainability of the user's income source; it even innovatively introduces the user's daily psychological stress level data, and uses advanced psychological monitoring technology and data analysis models to evaluate the potential impact of psychological factors on risk preferences in the investment decision-making process.
To ensure the high accuracy and wide applicability of the model, TSAI has invested massive computing resources and professional manpower to conduct in-depth mining and repeated verification of detailed data of more than one million users. In this huge and complex data processing process, the model continuously self-learns and self-optimizes, gradually building a more comprehensive, accurate and dynamically adaptive risk assessment system.
After rigorous testing and comparative analysis, the model has achieved remarkable accuracy improvement in assessing users' risk tolerance. Compared with the previous old model, the accuracy has jumped by 90%. Taking the high-net-worth user group as an example, in the risk test under the simulated market extreme volatility scenario (such as the global major financial markets plummeting by more than 30% in a short period of time), the new model's recognition error rate of the user's real risk tolerance boundary has dropped sharply from the original 20% to less than 2%. This means that in the face of a complex and changing financial market environment, the TSAI platform can gain unprecedented insight into the user's risk tolerance bottom line and provide a nearly accurate and correct decision-making basis for the formulation of investment strategies.
From the actual application data, in the large-scale simulated portfolio configuration test of user groups with different wealth levels and investment backgrounds, the investment strategy built based on the new risk assessment model has shown significant advantages in both risk control and return achievement. For users with medium risk preferences, the annualized volatility of the investment portfolio is 18% - 22% lower than that of the old model, and under the same risk level constraint, the annualized rate of return is increased by 12% - 15%; for aggressive users with high risk preferences, although the overall risk level has increased slightly, the stability of returns has increased by 25% - 30%, effectively avoiding the risk of huge losses caused by excessive pursuit of high returns.
By providing more accurate risk assessment results that fit the actual situation of users, it lays a solid foundation for tailoring the most suitable investment strategy for each investor, leading investors to move forward steadily in the complex and changing financial market, accurately grasp every investment opportunity, and calmly respond to every market challenge, opening a new and glorious chapter of intelligent investment personalized services, and will further consolidate TSAI's leading position in the intelligent investment industry, attract more users who pursue excellent investment experience and professional services to join, and promote the entire intelligent investment ecosystem to flourish in a higher level of precision and personalization.