Folio AI identifies how you'll actually behave.
We bridge the gap between stated risk and revealed behavior to build portfolios you can actually stick with.
Risk tolerance scored at 70% revealed behavior + 30% stated intent. The gap is the insight.
20-ticker shortlist drawn from broad ETFs, fixed income, large/mid/small caps, commodities, and BTC/ETH.
Plain English for first-timers. Alpha, beta, and correlation for the technically fluent.
Decades of behavioral finance research prove that stated risk tolerance is a weak predictor of actual behavior during a drawdown.
Folio AI focuses on what you did during a 30% market drop, as past action is far more predictive than today's intent.
Two hypothetical investors. Same $100,000 portfolio. Same crashes. Different behavior.
A loss only becomes real when you sell. Here's what that looked like across two historic crashes.
Locked in losses twice. Never caught the full recovery.
Survived the drawdowns. Compounded through both recoveries.
Illustrative & educational only. Hypothetical scenarios based on broad market index drawdowns and recoveries during the 2008 Global Financial Crisis and 2020 COVID crash. Not investment advice. Past performance does not guarantee future results.
Folio AI is built to close the gap between who you think you are as an investor and how you actually behave.
The average investor earned 6.81%/yr vs the S&P 500's 9.65% over 20 years. The gap is almost entirely explained by panic selling at the wrong time.
71% of investors who described themselves as aggressive or moderate still sold during the 2020 COVID crash.
Standard risk questionnaires predict actual investor behavior during downturns with only 15–20% accuracy.
Losses feel twice as painful as equivalent gains feel good — which is why investors sell even when they know they shouldn't.
Statistics cited for educational purposes. Sources: Dalbar QAIB 2023, FINRA Investor Education, Journal of Financial Planning, Kahneman & Tversky 1979.
View all research & sources →The investor's chief problem — and even his worst enemy — is likely to be himself.
The real key to making money in stocks is not to get scared out of them.
Quotes attributed for educational and illustrative purposes.
Plain answers to the questions most people ask before they try Folio AI.
No. Folio AI builds you a portfolio plan, not a minimum-balance account. The plan works whether you have $100 or $100,000 to invest. You decide how much to put in, and where.
An ETF is a single basket that holds many stocks or bonds at once. Buying one share of an ETF is like buying a tiny slice of dozens or hundreds of companies — instant diversification, low cost, easy to trade.
Yes. We never ask for your Social Security number, bank login, or any account access. Your answers stay in your browser during the session and are not saved to a profile or sold to anyone.
A behavioral profile that describes how you really invest, plus a 20-ticker shortlist matched to that profile, plus a downloadable PDF report you can share with an advisor or use on your own.
We create a custom investment strategy that fits your real-world logic, not just a textbook profile.