Rowan Kapithal applies predictive data analysis to long-term portfolios, helping you understand risk before it becomes a problem. We charge no fees on trades, so the returns our analysis helps you capture stay in your pocket, not ours.
Many platforms quietly reduce your returns through percentage-based fees on every trade. Over twenty or thirty years, that adds up to a significant sum taken from money you worked a lifetime to save. We have removed that layer entirely.
There is no commission, no spread mark-up, and no percentage taken from your gains. What our analysis helps you earn, you keep in full.
Our models process far more market data than a person could review in a day, flagging changes in conditions while they are still small.
Every recommendation is accompanied by a plain explanation of the data behind it, so you understand the "why", not just the "what".
Rowan Kapithal was built around a simple observation: retirees are not looking for the fastest possible growth, they are looking for growth they can trust. Our analysts and our models work from the same principle, favouring steady, well-reasoned decisions over speculative ones.
We explain our findings in plain English, in writing, before any decision is made on your behalf. If something is not clear, we would rather slow down and explain it again than let confusion stand in the way of a good decision.
We avoid jargon wherever we can. Here is, in four plain steps, what happens between a piece of market data arriving and a recommendation reaching your account.
Market prices, economic indicators and fund disclosures are collected continuously from established public and licensed sources.
Our models look for patterns across years of comparable data, estimating how a given holding might behave under a range of future conditions.
Scenarios that show a high chance of capital loss are weighted down or excluded, keeping the focus on stability rather than speculation.
A short, written recommendation is produced, outlining the reasoning and the expected range of outcomes in ordinary language.
We understand that for most people reading this, the priority is not maximum growth, it is protecting what has already been saved. Our predictive risk analysis is designed around that priority.
The AI component of our platform exists to process volumes of market and economic data that no individual could reasonably review day to day. Its role is to identify early warning signs of instability, such as unusual volatility or shifting correlations between assets, before they affect your holdings. Human analysts then review those findings and decide how, or whether, to act on them.
A representative measure of how steady a portfolio's value has remained relative to broader market swings over the past 12 months. Past patterns do not guarantee future stability.
We do not charge commission or spread mark-ups on trades. Our service is funded through a separate, clearly stated arrangement that is explained in full during your consultation, before any account is opened. There are no hidden percentages taken from your returns.
No. The AI identifies patterns and flags risk, functioning as a protective layer that reviews far more data than a person could manage alone. Every recommendation it produces is reviewed before it is presented to you, and no change to your holdings happens without your agreement.
Your information is stored and processed in accordance with UK data protection law. Access is limited to the systems and individuals directly involved in preparing your analysis, and data is never sold or shared with third parties for marketing purposes.
Yes. No predictive model can remove risk entirely, and markets can move in ways that are difficult to foresee. Our approach is built to reduce the likelihood and scale of avoidable losses, not to eliminate risk altogether, and we are open about that limitation from the outset.
We review your current savings, your goals, and your comfort with risk. There is no obligation to proceed afterwards, and no pressure to make a decision on the day.
We align our data handling and client communications with UK financial conduct and data protection standards, and we are happy to discuss our specific safeguards in detail during a consultation.
Speak with us about your current pension arrangements and see what a zero-fee, data-led approach could mean for your long-term plans.
Discover our approachNo obligation, and no commitment is required to have an initial conversation.